PENGARUH FRAMING EFFECT, SELF-CONTROL, DAN MENTAL BUDGETING TERHADAP KEPUTUSAN PEMBELIAN MENGGUNAKAN QRIS

Pietra Magena Bua Mone(1), Anastasia Filiana Ismawati(2*),

(1) Universitas Sanata Dharma
(2) Universitas Sanata Dharma
(*) Corresponding Author

Abstract


Penelitian ini bertujuan untuk mengetahui pengaruh framing effect, self-control, dan mental budgeting terhadap keputusan pembelian menggunakan QRIS. Peningkatan penggunaan QRIS sebagai metode pembayaran digital mendorong perubahan perilaku konsumen dalam pengambilan keputusan pembelian. Penelitian ini didasarkan pada teori prospek, teori regulasi diri, dan teori akuntansi mental yang menjelaskan bahwa keputusan pembelian tidak hanya dipengaruhi oleh pemikiran rasional, tetapi juga oleh cara individu memandang informasi, kemampuan mengendalikan diri, dan penganggaran mental atas keuangan pribadi. Penelitian ini menggunakan metode kuantitatif dengan teknik simple random sampling. Jumlah sampel penelitian adalah 203 responden. Teknik analisis data yang digunakan adalah regresi linear berganda. Hasil penelitian menunjukkan bahwa framing effect, self-control, dan mental budgeting berpengaruh terhadap keputusan pembelian menggunakan QRIS.


Keywords


framing effect, self-control, mental budgeting, keputusan pembelian, QRIS

Full Text:

PDF

References


Ali, M. F., & Sendjaja, T. (2025). “Penggunaan QRIS Sebagai Inovasi Transaksi Digital”: Literature Review Muhammad. Jurnal multidisiplin Saintek, 4(1), 1–8.

Ali, S. A., Aslam, S., Majeed, M. U., & Usman, M. (2024). “The Interplay of Mental Budgeting , Self-Control , and Financial Behavior : Implications for Individual Financial Well-Being”. 12(02), 1038–1049. https://doi.org/10.52131/pjhss.2024.v12i2.2102

Amalia, D. S., & Yuliati, A. (2025). Jurnal Maneksi (Management Ekonomi Dan Akuntansi ) “Analisis Pengaruh Financial Technology, Financial Self Efficacy , Self Control dan Impulsive Buying Terhadap Manajemen Keuangan Pribadi Mahasiswa”. 14(2), 878–889.

Anisah, P. N., Hapsari, W., & Kusumatuti, W. (2025). Jurnal Psikologi dan Bimbingan Konseling. “Hubungan Antara Kontrol Diri Dengan Kecenderungan Pembelian Impulsif pada Gen Z Pengguna Digital Payment di Kota X” 11(2), 1–10.

Anjelita, N. W., & Andarini, S. (2026). “Pengaruh Fear Of Missing Out (Fomo) Dan Self Control Terhadap Keputusan Pembelian Pada Kopi Tuku Surabaya Timur Merr”. 08.

Arif, K., Hafeez, M., Tahir, M. T., & Parveen, S. (2025). “Cognitive Biases and Financial Decision Making: The Role of Digital Finance and Financial Literacy”. Journal of Social Sciences Advancement, 6(1), 27–42. https://doi.org/10.52223/jssa25-060104-121

Averill, J. (1973). “Personal Control Over Aversive Stimuli And Its Relationship To Stress”. Psychological Bulletin, 80, 286–303. https://doi.org/10.1037/h0034845

Bai, R. (2023). “Impact of financial literacy, mental budgeting and self control on financial wellbeing: Mediating impact of investment decision making”. PLOS ONE, 18(11), e0294466.

Barus, S. D. P. (2024). “Pengaruh self control terhadap perilaku impulsive buying pada mahasiswa Universitas Medan Area” (Skripsi, Universitas Medan Area). Repository Universitas Medan Area.

Baumeister, R. F. (2002). “Yielding to Temptation: Self-Control Failure, Impulsive Purchasing, and Consumer Behavior”. Journal of Consumer Research, 28(4), 670–676. https://doi.org/10.1086/338209

Baumeister, R. F., & Heatherton, T. F. (1996). “Self-Regulation Failure: An Overview”. Psychological Inquiry, 7(1), 1–15. https://doi.org/10.1207/s15327965pli0701_1

Chun, S., & Johnson, D. S. (2021). The effects of mental budgeting and pain of payment on the financial decision making of socially excluded people. International Journal of Bank Marketing, 39(5), 886–899. https://doi.org/10.1108/IJBM-09-2020-0499

Faraz, N., & Anjum, A. (2025). Spendception: The Psychological Impact of Digital Payments on Consumer Purchase Behavior and Impulse Buying. Behavioral Sciences, 15(3), 1–20. https://doi.org/10.3390/bs15030387

Giuliani, F., Cannito, L., Gigliotti, G., Rosa, A., Pietroni, D., & Palumbo, R. (2023). The joint effect of framing and defaults on choice behavior. Psychological Research, 87(4), 1114–1128. https://doi.org/10.1007/s00426-022-01726-3

Guo, X. (2025). Framing Effects on Consumer Decision-Making in Online Retail. 63, 179–186.

Hafizhah, S. (2025). The Influence of Psychological Factors, Framing Effects, and Incidental Emotions on Young People’s Stock Investment Decisions: A Case Study of Investment Education Content on TikTok. 8(3), 7661–7676.

Hardani, Andriani, H., Ustiawaty, J., Utami, E. F., & Istiqomah, R. R. (2020). Metode Penelitian Kualititatif & Kuantitatif.

Heath, C., & Soll, J. B. (1996). Mental budgeting and consumer decisions. Journal of Consumer Research, 23(1), 40–52. https://doi.org/10.1086/209465

Indonesia, B. (2025). QRIS Jelajah Indonesia 2025 Dorong Digitalisasi Dengan Wisata Budaya. Bank Indonesia.

Insani, D. A. S., & Khirdany, E. N. (2023). Pengaruh Framing Effect Dan Adverse Selection Dalam Pengambilan Keputusan Investasi (Studi Eksperimental). Jurnal Ekonomi, Manajemen dan Perbankan., 09, 241–256.

Istisqa, F., & Sartika, N. (2026). The Influence of Mental Accounting and Financial Behavior on Financial Satisfaction. International Journal of Science and Environment (IJSE), 6(1), 226–231. https://doi.org/10.51601/ijse.v6i1.324

Jusuf Leiwakabessy, Rahman Rahman, Harold J. D. Waas, Ronald D. Hukubun, Gresia Maiseka, & Kelvin Sopahaluwakan. (2023). Edukasi Pemanfaatan Quick Response Code Indonesian Standard (QRIS) di Negeri Leahari. Jurnal Kabar Masyarakat, 1(3), 01–05. https://doi.org/10.54066/jkb.v1i3.443

Kahneman, D., & Tversky, A. (1979). Prospect Theory: An Analysis Of Decision Under Risk. 0100(3469), 263–291.

Karle, H., Schumacher, H., & Vølund, R. (2023). Consumer loss aversion and scale-dependent psychological switching costs. Games and Economic Behavior, 138, 214–237. https://doi.org/10.1016/j.geb.2023.01.001

Kim, K. J., Park, H. G., Kim, Y., & Kim, Y. (2021). Cultural Variability in the Attribute Framing Effect. 12(December). https://doi.org/10.3389/fpsyg.2021.754265

Kotler, P., & Keller, K. L. (2016). Marketing Management 12 Redefining Marketing for 21 Century. Marketing Management.

Li, M., & Feldman, G. (2025). Revisiting mental accounting classic paradigms: Replication Registered Report of the problems reviewed in Thaler (1999). Royal Society Open Science, 12(9). https://doi.org/10.1098/rsos.250979

Lukas, M. F., & Howard, R. C. (2023). The Influence of Budgets on Consumer Spending. Journal of Consumer Research, 49(5), 697–720. https://doi.org/10.1093/jcr/ucac024

Paulino Da Costa Ferreira, & Hwihanus Hwihanus. (2025). Pengaruh Promosi Online Terhadap Perilaku Konsumtif Generasi Z di Market place. Jurnal Manajemen dan Ekonomi Kreatif, 3(1), 93–102. https://doi.org/10.59024/jumek.v3i1.518

Pratmika, W. P., & Parmin, P. (2023). Pengaruh Persepsi Harga, Word of Mouth (WoM), dan Product Quality terhadap Keputusan Pembelian. Jurnal Ilmiah Mahasiswa Manajemen, Bisnis dan Akuntansi (JIMMBA), 5(6), 677–686. https://doi.org/10.32639/jimmba.v5i6.495

Prelec& Simester. (2001). Always Leave Home Without It: A Further Investigation of the Credit-Card Effect on Willingness to Pay. Marketing Letters. 12. 5-12. 10.1023/A:1008196717017.

Rizaldi, H.., Arifiyanto, M.., & Hidayah, N. L.. (2024). “What role do credit cards play in impulse buying?”. Economics and Business International Conference Proceeding, 1(2), 1144–1156.

Sari, A. E., & Ismawati, A. F. (2023). Mental Accounting Dalam Keputusan Pembelian Item Game Online mobile Legends: Bang Bang. Jurnal Ekonomi Manajemen, 8(2), 115–124. https://doi.org/10.37058/jem.v8i2.5204

Shan, L., Diao, H., & Wu, L. (2020). Influence of the Framing Effect, Anchoring Effect, and Knowledge on Consumers’ Attitude and Purchase Intention of Organic Food. Frontiers in Psychology, 11(August 2020), 1–9. https://doi.org/10.3389/fpsyg.2020.02022

Shan, L., Jiao, X., Wu, L., Shao, Y., & Xu, L. (2022). Influence of Framing Effect on Consumers ’ Purchase Intention of Artificial Meat — Based on Empirical Analysis of Consumers in Seven Cities. 13(June). https://doi.org/10.3389/fpsyg.2022.911462

Sugiyono, Prof. D. (2020). Metode Penelitian Kuantitatif, Kualititafi, dan R&D. Bandung: Alfabeta.

Thaler, R. H. (1999). “Mental accounting matters. Choices, Values, and Frames”, 206(September 1998), 241–268. https://doi.org/10.1017/CBO9780511803475.015

Van den Bekerom, L., Donker, M. H., Mainhard, T., & Evers, C. (2025). “Everything under control? Daily dynamics of self-control and emotion regulation”. Motivation and Emotion, 49(1), 15–30. https://doi.org/10.1007/s11031-024-10101-1

Wang, Z. (2025). “A Comparative Analysis of Applications and Implications of the Framing Effect”. 0, 193–197. https://doi.org/10.54254/2754-1169/2025.LH23811




DOI: https://doi.org/10.24071/exero.v8i1.14819

Refbacks

  • There are currently no refbacks.


Copyright (c) 2025 EXERO : Journal of Research in Business and Economics