PENGARUH LITERASI KEUANGAN DAN GAYA HIDUP TERHADAP MINAT MAHASISWA MENGGUNAKAN PAYLATER (STUDI PADA MAHASISWA UNIVERSITAS MUHAMMADIYAH SORONG)
DOI:
https://doi.org/10.37478/als.v14i2.4548Abstract
This research aims to find out whether financial literacy and Lifestye influence students' tendency to use Paylater. The independent variables in this research are financial literacy (X1) and lifestyle (X2), and the dependent variable in this research is interest in using Paylater (Y). This research uses a quantitative approach using descriptive and correlation methods. The sample in this study was taken using non-probability techniques with the Quota Sampling technique. The respondents used in this research were 264 Muhammadiyah Sorong University students who were drawn using the quota sampling technique. The research results show that the independent variables of financial literacy and lifestyle variables have a simultaneous and partial effect on the dependent variable Student interest in using Paylater.
Downloads
Keywords:
Literasi Keuangan, Gaya Hidup, Minat PaylaterReferences
Ardianto, K., & Azizah, N. (2021). Analisis Minat Penggunaan Dompet Digital Dengan Pendekatan Technology Acceptance Model (TAM) Pada Pengguna di Kota Surabaya. Jurnal Pengembangan Wiraswasta, 23(1), 13. https://doi.org/10.33370/jpw.v23i1.511
Hidayah, N. (2023). The Effect of Brand Equity on the Decision of BMT Al-Hijrah Madukoro Financing Customers in Sorong City. Ar-Ribh Jurnal Ekonomi Islam, 6(1), 45-52, https://doi.org/10.26618/jei.v6i.1.10633
Laksono, D. D., & Iskandar, D. A. (2018). Pengaruh Gaya Hidup Dan Pendapatan Terhadap Keputusan Pembelian Helm Kbc. Jurnal Riset Manajemen Dan Bisnis (JRMB) Fakultas Ekonomi UNIAT, 3(2), 145–154. https://doi.org/10.36226/jrmb.v3i2.113
Lusardi, A. (2011). Household Saving Behavior: The Role of Financial Literacyy, Information, and Financial Education Programs. SSRN Electronic Journal, January 2007. https://doi.org/10.2139/ssrn.1094102
Nurfikri, A., & Jahrizal. (2019). Pengaruh Gaya Hidup dan Teknologii Terhadap Sikap dan Keputusan Penggunaan Kartu Kredit Pada Bank Negara Indonesia Cabang Kota Pekanbaru. Tepak Manajemen Bisnis, XI(2), 242–257.
Otoritas Jasa Keuangan. (2022). Hasil slink per kategori 62,42%. Otoritas Jasa Keuangan, 2013.
Otoriitas Jasa Keuangan (OJK). (2023). Literasi Keuangan. Otoritas Jasa Keuangan.
Priambodo,.S., & Prabawani, B. (2016). Pengaruh persepsi manfaat, persepsi kemudahan penggunaan, dan persepsi resiko terhadap minat menggunakan layanan uang elektronik (Studi kasus pada masyarakat di Kota Semarang). Jurnal Ilmu Administrasi Bisnis, 5(2), 127-135. https://ejournal3.undip.ac.id/index.php/jiab/article/view/11294
Robaniyah, L., & Kurnianingsih, H. (2021). Pengaruh persepsi Manfaat, Kemudahan Penggunaan dan Keamanan terhadap Minat mengunakan Aplikasi Ovo. Image : Jurnal Riset Manajemen, 10(1), 53-62.https://doi.org/10.17509/image.v10i1.32009
SHOLEH, B. (2019). Pengaruh Literasii keuangan Terhadap Perilaku Keuangan Mahasiswa Program Studi Pendidikan Ekonomi Universitas Pamulang. Pekobis : Jurnal Pendidikan, Ekonomi, dan Bisnis, 4(2), 57.https://doi.org/10.32493/pekobis.v4i2.p57-67.4306
Sufyati HS, & Alvi Lestari. (2022). Pengaruh Literasi Keuangan, Inklusi keuangan dan Gaya hidup terhadapPerilaku Keuangan pada Generasii Milenial. Jurnal Multidisiplin Madani, 2 (5), 2415-2430. https://doi.org/10.55927/mudima.v2i5.396
Sugiyono, P. D. (2018). Metode Penelitian Kuantitatif, Kualitatif, Dan R&D. ALFABETA. www.cvalfabeta.com
Wibowo, A.F., & Riyadi, E.S.H. (2017). Pengaruh Gaya hidup, Prestiese Dan Kelompok Referensi terhadap Keputusan Pembelian (Studi Pada Konsumen Taiwan Tea House Semarang). Prosiding Seminar Nasional Riset manajemen & Bisnis,ISBN : 978-602-361-067-9, 97-113.
Downloads
Published
How to Cite
Issue
Section
License
Copyright Notice
An author who publishes in ANALISIS agrees to the following terms:
- Author retains the copyright and grants the journal the right of first publication of the work simultaneously licensed under the Creative Commons Attribution-ShareAlike 4.0 License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal
- Author is able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book) with the acknowledgement of its initial publication in this journal.
- Author is permitted and encouraged to post his/her work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of the published work (See The Effect of Open Access).