Faktor Penentu Kecenderungan Berutang Pengguna Shopee Paylater di Jabodetabek
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Abstract
Kemudahan pembayaran dan akses kredit melalui layanan Paylater semakin mempermudah transaksi dan berkontribusi pada peningkatan tren belanja impulsif serta berpotensi meningkatkan risiko gagal bayar dan berdampak pada stabilitas keuangan konsumen. Penelitian ini bertujuan untuk mengetahui pengaruh risk perception dan materialism terhadap propensity to indebtedness dengan mediasi financial behavior. Pengambilan data menggunakan kuesioner dengan teknik pengambilan sampel purposive sampling. Sampel yang digunakan sebanyak 245 Generasi Z Pengguna Shopee Paylater di Jabodetabek. Teknik analisis data yang digunakan adalah PLS-SEM dengan bantuan software SmartPLS 4.0. Hasil dari penelitian ini menunjukkan terdapat pengaruh positif materialism dan financial behavior terhadap propensity to indebtedness, terdapat pengaruh negatif risk perception terhadap propensity to indebtedness, terdapat pengaruh negatif risk perception terhadap financial behavior, terdapat pengaruh mediasi financial behavior dalam memprediksi hubungan risk perception pada propensity to indebtedness.
The ease of payment and access to credit through Paylater services further facilitates transactions and contributes to an increase in impulsive shopping trends and has the potential to increase the risk of default and impact on consumer financial stability. This study aims to determine the effect of risk perception and materialism on propensity to indebtedness with financial behaviour mediation. Data collection using a questionnaire with purposive sampling technique. The sample used was 245 Generation Z Shopee Paylater users in Jabodetabek. The data analysis technique used is PLS-SEM with the help of SmartPLS 4.0 software. The results of this study indicate that there is a positive effect of materialism and financial behavior on propensity to indebtedness, there is a negative effect of risk perception on propensity to indebtedness, there is a negative effect of risk perception on financial behavior, there is a mediating effect of financial behavior in predicting the relationship of risk perception on propensity to indebtedness.
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