Penelitian ini bertujuan untuk mengetahui: pola: konsumsi dan tabungan, porsi belanja: pangan dan non pangan. Segmentasi Penggunaan dompet digital dalam konsumsi dan menabung jika dilihat berdasarkan usia dan suku bangsa di Kota Tarakan. Penelitian ini menggunakan metode mix method dengan pendekatan kuantitatif dan kualitatif. Jenis data yang digunakan yaitu data primer yang diperoleh dengan metode accidental sampling melalui penyebaran kuesioner kepada 80 responden ibu rumah tangga. Meliputi empat tempat belanja yang mewakili empat kecamatan di Kota Tarakan yaitu Sinar Terang Baru, SR Baru, HG Mart, dan Big Mart. Analisis data dilakukan dengan dua pendekatan yaitu deskriptif kualitatif dan uji chi square dibantu dengan program SPSS 22. Hasil penelitian ini menunjukkan bahwa pola konsumsi rumah tangga lebih dominan dibandingkan pola menabung, dengan nilai MPC sebesar 0,525 dan MPS sebesar 0,475. Temuan ini memperkuat fakta bahwa hasrat konsumsinya lebih besar dari hasrat menabung. Porsi belanja rumah tangga juga lebih besar dialokasikan untuk kebutuhan pangan, terutama bahan makanan pokok, dengan pengeluaran mayoritas di atas Rp1.500.000. Analisis uji Chi-Square menunjukkan hubungan signifikan antara usia dan suku bangsa dengan pola konsumsi dan tabungan (Asymp. Sig. < 0,05). Semakin muda usia, semakin tinggi tingkat konsumsi yaitu lebih Rp. 1.500.000, yang berdampak pada rendahnya pola tabungan yaitu Rp500.000 – Rp1.000.000 (rendah). Dari sisi suku bangsa, suku Bugis memiliki pola konsumsi tertinggi lebih Rp. 1.500.000 karena pendapatannya tinggi dan tabungan rendah. Sementara itu, kelompok suku Jawa, dan suku Asli Kalimantan berada di rentang Rp500.000 – Rp1.000.000 (rendah). Kelompok suku lainnya seperti sunda, toraja, dan timur menunjukkan pola konsumsi kurang dari Rp500.000 (sangat kecil) dengan pola menabung berada di rentang Rp. 500.000 – Rp. 1.000.000 (rendah) dikarenakan pendapatannya rendah.

Kata Kunci: Dompet-digital, Pola konsumsi-pola tabungan, Segmentasi usia dan suku bangsa

The purpose of this study was to identify trends in savings and consumption, as well as the percentage of spending on food and non-food. Segmentation of Tarakan City's digital wallet usage by age and ethnicity in terms of consumption and saving. This research employed a mixed methodology that combined a qualitative and quantitative approach. Eighty housewives were given questionnaires to complete in order to collect primary data using the incidental sampling method covering four retail establishments, Sinar Terang Baru, SR Baru, HG Mart, and Big Mart that correspond to four sub-districts in Tarakan City. Two methods, qualitative descriptive and chi square tests were used to analyse the data through the SPSS 22 software. The results of this study indicated that household consumption patterns were more dominant than savings patterns, with MPC values of 0.525 and MPS of 0.475. This finding reinforced the fact that the desire to consume was greater than the desire to save. The portion of household spending was also allocated more for food needs, especially staple foods, with the majority of expenditure above IDR 1,500,000. Chi-Square test analysis showed a significant relationship between age and ethnicity with consumption and savings patterns (Asymp. Sig. < 0.05). The younger the age, the higher the level of consumption, which was more than IDR 1,500,000, which had an impact on the low savings pattern, which was IDR 500,000 IDR 1,000,000 (low). In terms of ethnicity, the Bugis tribe had the highest consumption pattern of more than IDR 1,500,000 because their income was high and savings were low. Meanwhile, the Javanese ethnic group and the indigenous Kalimantan ethnic group were in the range of IDR 500,000 - IDR 1,000,000 (low). Other ethnic groups such as Sundanese, Toraja, and East showed a consumption pattern of less than IDR 500,000 (very small) with a savings pattern in the range of IDR 500,000-IDR 1,000,000 (low) because their income was low. Keywords: Digital Wallet, Consumption Patterns-Saving Patterns, Age and Ethnic Segmentation