STUDI FAKTOR PENENTU RISKY CREDIT BEHAVIOR DALAM PENGGUNAAN PAY LATER GENERASI Z
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Abstract
Pay later merupakan salah satu metode pembayaran yang sedang mengalami pertumbuhan pada beberapa periode terakhir ini. Salah satu pengguna utama dari pay later yaitu Generasi Z atau masyarakat dengan umur 17-25 tahun. Hal ini menjadi suatu kekhawatiran karena penggunaan pay later berlebih dapat menimbulkan perilaku kredit berisiko yang dapat mempengaruhi finansial Generasi Z. Oleh karena itu, dibutuhkan ilmu yang dapat membantu mereka agar terhindar dari perilaku kredit berisiko (risky credit behavior) seperti literasi keuangan, financial self-efficacy, dan financial stress. Tujuan dilakukannya studi yaitu untuk menganalisis pengaruh antara literasi keuangan, financial self-efficacy, dan financial stress pada perilaku kredit berisiko pada penggunaan pay later pada Generasi Z Kota Bandung. Untuk mengumpulkan data, peneliti menyebarkan kuesioner kepada Generasi Z sebagai pengguna pay later di Kota Bandung dan terkumpul sebanyak 320 responden sebagai sampel penelitian. Data yang terkumpul kemudian peneliti analisis menggunakan SEM-PLS yang diolah dengan SmartPLS versi 4. Hasil analisis menginformasikan literasi keuangan merupakan faktor yang dapat memengaruhi risky credit behavior, financial self-efficacy tidak memberikan pengaruh pada perilaku tersebut, dan financial stress bukan variable moderasi pada risky credit behavior Generasi Z di Kota Bandung. Oleh karena itu, studi ini memiliki saran kepada Generasi Z di Kota Bandung untuk menambah literasi keuangan dengan tetap memperhatikan financial self-efficacy dan mengurangi financial stress agar dapat terhindari dari risky credit behavior.
Pay later is a payment method that is experiencing growth in recent periods. One of the primary users of pay later is Generation Z or individuals aged 17-25. This raises concerns because excessive use of pay later can lead to risky credit behavior that may affect the financial well-being of Generation Z. Therefore, knowledge is needed to help them avoid risky credit behavior, such as financial literacy, financial self-efficacy, and financial stress. The purpose of the study is to analyze the influence of financial literacy, financial self-efficacy, and financial stress on risky credit behavior on the use of pay later in Generation Z in Bandung City. To collect data, researchers distributed questionnaires to Generation Z as pay later users in the city of Bandung and collected 320 respondents as the research sample. The data collected was then analyzed by researchers using SEM-PLS which was processed with SmartPLS version 4. The results of the analysis indicate that financial literacy is a factor that can influence risky credit behavior, financial self-efficacy does not have an influence on this behavior, and financial stress is not a moderating variable on the risky credit behavior of Generation Z in Bandung City. Therefore, this study has suggestions for Generation Z in Bandung City to increase financial literacy while still paying attention to financial self-efficacy and reducing financial stress to avoid risky credit behavior.
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