Pengaruh Self Control dan Financial Attitude terhadap Financial Management Behavior pengguna Layanan Buy Now Pay Later
Studi Pengguna Shopee Paylater di Kota Surabaya
Abstract
This study aims to analyze the significant influence between self control and financial attitude on the financial management behavior of users of buy now pay later services. This research uses quantitative research with a descriptive approach. The population in this study are residents of the city of Surabaya who use Shopee Paylater. The number of samples in this study were 115 respondents. In this study using the Non-Probability Sampling technique with purposive sampling technique. The analysis technique used is multiple linear regression analysis. The results of this study indicate that the self-control variable partially has a significant effect on the financial management behavior of buy now pay later service users, the financial attitude variable partially has a significant effect on the financial management behavior of buy now pay later service users, self control and financial attitude variables simultaneously have an effect. significant to the financial management behavior of users of the buy now pay later service.
Keywords: self control, financial attitude, financial management behavior, buy now pay later
References
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Strömbäck, C., T. Lind, K. Skagerlund, D. Västfjäll, dan G. Tinghög. 2017. Does self control predict financial behavior and financial well-being? Journal of Behavioral and Experimental Finance 14: 30–38.
Adiputra, I. G., dan E. Patricia. 2020. The effect of financial attitude, financial knowledge, and income on financial management behavior. In Tarumanagara International Conference on the Applications of Social Sciences and Humanities (TICASH 2019), 107–112. Atlantis Press.
Ameliawati, M., dan R. Setiyani. 2018. The influence of financial attitude, financial socialization, and financial experience to financial management behavior with financial literacy as the mediation variable. KnE Social Sciences: 811–832.
Asih, S. W., dan M. Khafid. 2020. Pengaruh financial knowledge, financial attitude dan income terhadap personal financial management behavior melalui locus of control sebagai variabel intervening. Economic Education Analysis Journal 9 (3): 748–767.
Bank Indonesia, . 2021. Perkembangan Sistem Pembayaran di Indonesia. https://www.bi.go.id/id/fungsi-utama/sistem-pembayaran/default.aspx#floating-1.
Besri, A. A. O. 2018. Pengaruh Financial Attitude, Financial Knowledge Dan Locus Of Control Terhadap Financial Management Behavior Mahasiswa S-1 Fakultas Ekonomi Universitas Islam Indonesia Yogyakarta.
Dwiastanti, A. 2017. Analysis of financial knowledge and financial attitude on locus of control and financial management behavior. MBR (Management and Business Review) 1 (1): 1–8.
Idris, I. N. S. 2021. Pengaruh Self Control dan Literasi Keuangan terhadap Financial Satisfaction dengan Financial Behavior sebagai Variabel Intervening pada Pekerja Kota Makassar. Universitas Islam Negeri Alauddin Makassar.
Jannah, N. 2021. Pengaruh Financial Attitude dan Kontrol Diri Terhadap Pengelolaan Keuangan Mahasiswa S1 Pendidikan Ekonomi Universitas Negeri Malang Angkatan 2018. Jurnal Pendidikan Ekonomi 14 (2): 167–178.
Al Kholilah, N., dan R. Iramani. 2013. Studi financial management behavior pada masyarakat surabaya. Journal of Business and Banking 3 (1): 69–80.
Kilas Jatim, . 2019. Jatim Daerah Ketiga Terbesar dalam Penggunaan Mobile Payment di Pulau Jawa. https://kilasjatim.com/jatim-daerah-ketiga-terbesar-dalam-penggunaan-mobile-payment-di-pulau-jawa/.
Maison, D. 2019. The psychology of financial consumer behavior. Springer.
Mien, N. T. N., dan T. P. Thao. 2015. Factors affecting personal financial management behaviors: Evidence from Vietnam. In Proceedings of the Second Asia-Pacific Conference on Global Business, Economics, Finance and Social Sciences (AP15Vietnam Conference), 10:1–16.
Novendra, B., dan S. S. Aulianisa. 2020. Konsep Dan Perbandingan Buy Now, Pay Later Dengan Kredit Perbankan Di Indonesia: Sebuah Keniscayaan Di Era Digital Dan Teknologi. Jurnal Rechts Vinding: Media Pembinaan Hukum Nasional 9 (2): 183.
Pratika, Y., S. Salahudin, D. W. U. Riyanto, dan T. Ambarwati. 2020. Analysis of Pay Later Payment System on Online Shopping in Indonesia. Journal of Economics, Business, & Accountancy Ventura 23 (3): 329–339.
Prins, D., A. Mulcahy, and A. Cregan. 2019. Payment Methods Report 2019 Innovations in the Way We Pay.
Rompas, R. C. E. E., S. Pangemanan, dan J. E. Tulung. 2020. BUY NOW, PAY LATER: DETERMINANTS OF PAY LATER SERVICE AFFECTING THE LIFESTYLE OF SOCIETY. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi 8 (4).
Sampoerno, A. E., dan N. Asandimitra. 2021. Pengaruh financial literacy, income, hedonism lifestyle, self control, dan risk tolerance terhadap financial management behavior pada generasi milenial. Jurnal Ilmu Manajemen (JIM) 9 (3): 1002–1014.
Sari, R. 2021. Pengaruh Penggunaan Paylater Terhadap Perilaku Impulse Buying Pengguna E-Commerce di Indonesia. Jurnal Riset Bisnis dan Investasi 7 (1): 44–57.
Setyowati, D. 2021. Paylater di E-Commerce Makin Diminati, Akan Gantikan COD? https://katadata.co.id/desysetyowati/digital/60c07040442ad/paylater-di-e-commerce-makin-diminati-akan-gantikan-cod.
Siswanti, I., dan A. M. Halida. 2020. Financial knowledge, financial attitude, and financial management behavior: Self–control as mediating. The International Journal of Accounting and Business Society 28 (01): 71–98.
Strömbäck, C., T. Lind, K. Skagerlund, D. Västfjäll, dan G. Tinghög. 2017. Does self control predict financial behavior and financial well-being? Journal of Behavioral and Experimental Finance 14: 30–38.
Published
2022-04-28
How to Cite
PUTRI, Namira Maulida Eka; ANDARINI, Sonja.
Pengaruh Self Control dan Financial Attitude terhadap Financial Management Behavior pengguna Layanan Buy Now Pay Later.
Jurnal Ekonomi Akuntansi dan Manajemen, [S.l.], v. 21, n. 1, p. 60-74, apr. 2022.
ISSN 2459-9816.
Available at: <https://jurnal.unej.ac.id/index.php/JEAM/article/view/30594>. Date accessed: 25 apr. 2024.
doi: https://doi.org/10.19184/jeam.v21i1.30594.
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