Pengaruh Intensitas Penggunaan Cashless Payment dan Kontrol Diri terhadap Pengelolaan Dana Darurat Mahasiswa Rantau IPB University

Abstract

Transformasi menuju cashless society mendorong peningkatan intensitas cashless payment, khususnya mahasiswa sebagai pengguna paling aktif. Kondisi ini lebih kompleks bagi mahasiswa rantau yang mengelola keuangan mandiri tanpa pengawasan orang tua, sehingga berpotensi memengaruhi pengelolaan dana darurat apabila tidak diimbangi kontrol diri. Penelitian ini bertujuan menganalisis pengaruh intensitas penggunaan cashless payment dan kontrol diri terhadap pengelolaan dana darurat mahasiswa rantau IPB University. Penelitian menggunakan pendekatan kuantitatif dengan 215 responden mahasiswa aktif program sarjana angkatan 59-62 yang dipilih melalui purposive sampling dan proportionate stratified sampling, dianalisis menggunakan Structural Equation Modeling Partial Least Square (SEM-PLS). Hasil menunjukkan kedua variabel berpengaruh signifikan dan positif terhadap pengelolaan dana darurat, dengan kontrol diri sebagai prediktor lebih dominan. Temuan ini menegaskan pentingnya penguatan kontrol diri finansial mahasiswa rantau, didukung fitur pemisahan dan pemantauan dana pada layanan cashless payment.

The transformation toward a cashless society has driven an increase in the intensity of cashless payment use, particularly among university students as the most active users. This is more complex for migrant students who manage their finances independently without parental supervision, potentially affecting their emergency fund management if not accompanied by adequate self-control. This study analyzed the effect of cashless payment usage intensity and self-control on emergency fund management among migrant students at IPB University. The study employed a quantitative approach with 215 active undergraduate respondents from batch 59-62, selected through purposive sampling and proportionate stratified sampling, analyzed using Structural Equation Modeling Partial Least Square (SEM-PLS). Both variables had a significant and positive effect on emergency fund management, with self-control being the more dominant predictor. These findings affirmed the importance of strengthening migrant students' financial self-control, supported by fund separation and monitoring features in cashless payment services.