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Nov 22, 2023
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Abstract
Paylater is the latest payment system issued by e-commerce that we can shop for anything and paylater (buy now pay later). However, this convenience makes people more consumptive. This study aimed to determine how financial literacy, locus of control, and lifestyle factors influence the financial behavior of Paylater users in Surabaya. The sample will consist of 100 respondents who will be chosen using the Cochran method and a purposive sampling technique. The data analysis method applied is Partial Least Square (PLS). The results of this study indicate that financial literacy, locus of control, and lifestyle all play a role in influencing financial behavior.
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This work is licensed under a Creative Commons Attribution 4.0 International License.
How to Cite
Berlianti, S. N., & Suwaidi, R. A. (2023). The Effect of Financial Literacy, Locus of Control and Life Style on the Financial Behavior of Peer to Peer Lending Paylater User In Surabaya City. International Journal of Multidisciplinary: Applied Business and Education Research, 4(11), 4126-4134. https://doi.org/10.11594/ijmaber.04.11.29
References
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Wahyu, D., & Anwar, M. (2021). Pengaruh Literasi Keuangan Terhadap Perilaku Menabung Dengan Self Control Sebagai Variabel Mediasi Pada Mahasiswa S1 FEB UPN “Veteran” Jawa Timur. SEIKO: Jour-nal of Management & Business, 5(4), 81–92.
Wiranti, A. (2022). Pengaruh Financial Tech-nology, Financial Literacy, Financial Knowledge, Locus Of Control dan In-come Terhadap Perilaku Keuangan. Jurnal Ilmu Manajemen, 10(2), 475–488.
Yuniningsih. (2020). Perilaku Keuangan Da-lam Berinvestasi. http://repository.upnjatim.ac.id/54/1/perilaku_keuangan.pdf
Zarkasyi, M. I., & Purwanto, E. (2021). Pengaruh Literasi Keuangan, Financial Technology, dan Gaya Hidup terhadap Perilaku Keuangan Guru Taman Kanak-Kanak. Al-Kharaj : Jurnal Ekonomi, Keu-angan & BisnisSyariah, 4(2), 290–307. https://doi.org/10.47467/alkharaj.v4i2.640
Anwar, M. (2020). Role of Sociodemography Moderates The Effect of Financial Lit-eration on Personal Financial Behav-ior (Study of Students of PTN Man-agement Masters Program in Surabaya).
Dewanti, V. P., & Asandimitra, N. (2021). Pengaruh Financial Socialization, Fi-nancial Knowledge, Financial Experi-ence terhadap Financial Management Behavior dengan Locus of Control se-bagai Variabel Mediasi pada Pengguna Paylater. Jurnal Ilmu Mana-jemen, 9(3), 863–875. https://doi.org/10.26740/jim.v9n3.p863-875
Fadilah, S. J., & Purwanto, E. (2022). Pengaruh Locus of Control, Perencanaan dean Literasi Keuangan terhadap Per-ilaku Keuangan UMKM. Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, 4(5), 1476–1488. https://doi.org/10.47467/alkharaj.v4i5.1003
Haqiqi, A. F. Z., & Pertiwi, T. K. (2022). Pengaruh Financial Technology, Literasi Keuangan dan Sikap Keuangan terhadap Perilaku Keuangan Generasi Z di Era Pandemi Covid-19 pada Mahasiswa UPN “Veteran” Jawa Timur. SEIKO : Journal of Management & Business, 5(2), 2022–2355. https://doi.org/10.37531/sejaman.v5i2.2301
Ilham, M., Arifin, P., & Suwaidi, R. A. (2023). Analysis of Investment Interest in Chicken Farm in Kaligede Village, Senori District, Tuban Regency. 2(2), 391–399. https://doi.org/10.55299/ijec.v2i2.533
Mariana, D., Purwanto, E., & Wikartika, I. (2022). Pengaruh Perilaku Pengelolaan Keuangan terhadap Penerima Kartu In-donesia Pintar pada Mahasiswa UPN ”Veteran” Jawa Timur. Jurnal Ilmiah Uni-versitas Batanghari Jambi, 22(3), 1536. https://doi.org/10.33087/jiubj.v22i3.2554
N. Indra, S., & Anwar, M. (2023). Pengaruh Media Sosial, Literasi Keuangan, dan Tren E-Commerce Selama Pandemi Covid 19 Terhadap Perilaku Konsumtif Mahasiswa (Studi Pada Mahasiswa Uni-versitas Pembangunan Nasional “Veter-an” Jawa Timur). Jurnal Ilmiah, 10(2), 1–94. https://doi.org/10.33087/jiubj.v23i1.3219
Nafitri, S. D., & Wikartika, I. (2023). Pengaruh Pendapatan, Gaya Hidup dan Literasi Keuangan Terhadap Perilaku Keuangan pada Mahasiswa Manajemen Universitas Pembangunan Nasional “Veteran” Jawa Timur. Management Studies and Entre-preneurship Journal, 4(2), 766–774. http://journal.yrpipku.com/index.php/msej
Riya Maninggar, F., & Yuniningsih, Y. (2023). Analysis of Financial Behavior on Peer To Peer Lending Application in Measuring Transaction Intention of Millennials Generation in Sidoarjo. Www.Ijbmm.Com International Jour-nal of Business Marketing and Management, 8(1), 2456–4559. www.ijbmm.com.
Pertiwi, T. K., & Purwanto, E. (2021). Tri Kartika Pertiwi and Eko Purwan-to UPN “Veteran”JawaTimur, Indonesia http://doi.org/10.35409/IJBMER.2021.3257. 4(03),36–47.
Pratiwi, A., Perlu, I., Nilai, T., Internet, B. Di, Pengaruh, M., Sale, F., Cashback, D., Jurnal, T., Dan, B., Management, C. R., Kualitas, D., Terhadap, P., Pengguna, K., Pay, S., Pratiwi, T. E., Srisusilawati, P., Manggala, I., Prinsip, I., Islami, K., … Shopee, J. (2021). Pengaruh Cashback, Locus of Control, dan Financial Knowledge pada pengguna Shopee Paylater dengan Islamic Ethic Sebagai Variabel Moderasi.
Wahyu, D., & Anwar, M. (2021). Pengaruh Literasi Keuangan Terhadap Perilaku Menabung Dengan Self Control Sebagai Variabel Mediasi Pada Mahasiswa S1 FEB UPN “Veteran” Jawa Timur. SEIKO: Jour-nal of Management & Business, 5(4), 81–92.
Wiranti, A. (2022). Pengaruh Financial Tech-nology, Financial Literacy, Financial Knowledge, Locus Of Control dan In-come Terhadap Perilaku Keuangan. Jurnal Ilmu Manajemen, 10(2), 475–488.
Yuniningsih. (2020). Perilaku Keuangan Da-lam Berinvestasi. http://repository.upnjatim.ac.id/54/1/perilaku_keuangan.pdf
Zarkasyi, M. I., & Purwanto, E. (2021). Pengaruh Literasi Keuangan, Financial Technology, dan Gaya Hidup terhadap Perilaku Keuangan Guru Taman Kanak-Kanak. Al-Kharaj : Jurnal Ekonomi, Keu-angan & BisnisSyariah, 4(2), 290–307. https://doi.org/10.47467/alkharaj.v4i2.640