Anteseden dari risky indebtedness behaviour ketika menggunakan paylater
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This study aims to analyze the impact of materialism and consumer spending self-control on the use of Buy Now Pay Later (BNPL) services, as well as their effects on compulsive buying behavior and risky indebtedness behavior. The ultimate goal of this research is to find ways to reduce the rate of non-performing loans. The study employs a cross-sectional research design with a hypothesis testing approach, where data is collected from individuals who have been actively using BNPL for at least six months. The research findings indicate that materialism has a positive influence on BNPL use, while consumer spending self-control has a negative impact on BNPL use. Additionally, BNPL usage positively affects compulsive buying and risky indebtedness behavior. The study also finds that both materialism and consumer spending self-control are mediated by BNPL use in their influence on compulsive buying. The contributions and managerial implications of this research are significant for companies providing BNPL services. The findings suggest that these companies should develop features and implement usage restriction measures to prevent BNPL users from falling into behaviors that could lead to non-performing loans. Consequently, these measures are expected to improve users' psychological well-being and reduce the growth of non-performing loans on a national scale. This research provides guidance for companies in designing strategies aimed at mitigating the risks associated with uncontrolled BNPL usage, thereby fostering a healthier financial environment for consumers.
Penelitian ini bertujuan untuk menganalisis pengaruh materialism dan consumer spending self-control terhadap penggunaan layanan Buy Now Pay Later (BNPL use), serta dampaknya terhadap perilaku compulsive buying dan risky indebtedness behaviour. Tujuan akhir dari penelitian ini adalah untuk menemukan cara menurunkan angka kredit macet. Penelitian ini menggunakan desain penelitian cross-sectional dengan pendekatan hypothesis testing, di mana data dikumpulkan dari individu yang secara aktif menggunakan BNPL selama minimal enam bulan. Hasil penelitian menunjukkan bahwa materialism memiliki pengaruh positif terhadap BNPL use dan consumer spending self-control berpengaruh negatif terhadap BNPL use. Selain itu, penggunaan BNPL juga memiliki pengaruh positif terhadap compulsive buying dan risky indebtedness behaviour. Penelitian ini juga menemukan bahwa baik materialism maupun consumer spending self-control dimediasi oleh BNPL use dalam pengaruhnya dengan compulsive buying. Kontribusi dan implikasi manajerial dari penelitian ini penting bagi perusahaan penyedia layanan BNPL. Hasil penelitian ini menyarankan agar perusahaan mengembangkan features dan langkah-langkah pembatasan penggunaan BNPL. Tujuannya adalah agar pengguna BNPL tidak terjerumus ke dalam perilaku yang dapat menyebabkan kredit macet. Dengan demikian, langkah-langkah ini diharapkan dapat meningkatkan kondisi psikologis pengguna dan mengurangi pertumbuhan kredit macet secara nasional. Penelitian ini memberikan panduan bagi perusahaan dalam merancang strategi yang bertujuan untuk mengurangi risiko yang terkait dengan perilaku penggunaan BNPL yang tidak terkendali, sehingga dapat menciptakan lingkungan keuangan yang lebih sehat bagi konsumen.
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