FAKTOR-FAKTOR YANG MEMENGARUHI FINANCIAL MANAGEMENT BEHAVIOR PADA PENGGUNA PAYLATER

SARI WIDYANINGTYAS PUTRI, . (2024) FAKTOR-FAKTOR YANG MEMENGARUHI FINANCIAL MANAGEMENT BEHAVIOR PADA PENGGUNA PAYLATER. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Tujuan penelitian ini adalah untuk menguji pengaruh financial literacy, financial socialization, dan financial self-efficacy terhadap financial management behavior pengguna PayLater wilayah Jabodetabek. Metode pengambilan sampling menggunakan convenience sampling. Pengumpulan data menggunakan metode survei dengan penyebaran kuesioner. Dalam penelitian ini diperoleh 100 responden yang memenuhi kriteria dengan analisis statistik menggunakan Structural Equation Modelling – Partial least square (SEM – PLS). Hasil penelitian menunjukkan bahwa ketiga variabel independen berpengaruh terhadap financial management behavior. Dari hasil penelitian diharapkan bagi masyarakat pengguna paylater untuk meningkatkan pemahaman keuangan dan belajar mengelola keuangan dengan bijak, seperti membuat perencanaan keuangan, membayar tagihan paylater tepat waktu, dan membatasi diri dalam penggunaan paylater berlebih. Perilaku Pengelolaan keuangan yang baik dapat menghindarkan individu dari masalah keuangan dan risiko gagal bayar tagihan paylater.*****The purpose of this study was to examine the effect of financial literacy, financial socialization, and financial self-efficacy on the financial management behavior of PayLater users in the Jabodetabek area. The sampling method uses convenience sampling. Data collection uses a survey method by distributing questionnaires. In this study, 100 respondents were obtained who met the criteria with statistical analysis using Structural Equation Modeling Partial least square (SEM - PLS). The results showed that the three independent variables had an effect on financial management behavior. From the research results, it is hoped that paylater users will improve their financial understanding and learn to manage finances wisely, such as making financial plans, paying paylater bills on time, and limiting themselves in using excess paylater. Good financial management behavior can prevent individuals from financial problems and the risk of defaulting on paylater bills.

Item Type:	Thesis (Sarjana)
Additional Information:	1). Dr. Ayatulloh Michael Musyafi, S.E., Ak., M.Ak ; 2). Gentiga Muhammad Zairin, S.E., M.Ak., CA, CPSAK
Subjects:	Ilmu Sosial > Keuangan Manajemen > Perilaku Konsumen
Divisions:	FE > S1 Akuntansi
Depositing User:	Users 23699 not found.
Date Deposited:	07 Aug 2024 00:42
Last Modified:	07 Aug 2024 00:42
URI:	http://repository.unj.ac.id/id/eprint/48836

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