Pengaruh Literasi Keuangan dan Financial Self-Efficacy terhadap Risky Credit Behaviour dalam Penggunaan PayLater

Firman Firman, Ramlawati Ramlawati, Suriyanti Suriyanti, Sahabuddin Sahabuddin

Abstract


Penelitian ini dilakukan dengan tujuan untuk mengetahui pengaruh literasi keuangan terhadap risky credit behaviour generasi milenial Indonesia dalam penggunaan fitur pay later. Selain itu penelitian ini juga bertujuan untuk mengetahui pengaruh financial self-efficacy sebagai variabel mediasi antara literasi keuangan dan risky credit behaviour. Populasi penelitian ini adalah generasi milenial Indonesia dan sampel penelitian adalah penduduk yang lahir pada tahun 1990-2000 yang pernah menggunakan fitur pay later dalam jangka waktu satu tahun terakhir. Metode analisa data menggunakan analisa Partial Least Square. Hasil penelitian menemukan bahwa literasi keuangan subjektif dan literasi keuangan objektif berpengaruh positif signifikan terhadap Financial self-efficacy, literasi keuangan objektif dan financial self-efficacy berpengaruh signifikan negatif terhadap risky credit behaviour, literasi kueangan subjektif tidak berpengaruh signifikan terhadap risky credit behaviour dan financial self-efficacy memediasi hubungan antara literasi keuangan subjektif, literasi keuangan objektif terhadap risky credit behaviour.

Kata kunci: Generasi Milenial; Financial Self-Efficacy; Literasi Keuangan; Pay later; Risky credit behaviour

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DOI: https://doi.org/10.37531/sejaman.v6i2.5815

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