Pengaruh Financial Knowledge, Financial Attitude, dan Income terhadap Financial Management Behavior Pengguna Shopee PayLater

The Influence of Financial Knowledge, Financial Attitude, and Income on Financial Management Behavior of Shopee PayLater Users

PayLater menjadi salah satu metode pembayaran yang banyak diminati dan digunakan dalam e-commerce. Tren penggunaan platform PayLater meningkat dikarenakan platform ini merupakan layanan pembayaran alternatif yang menawarkan fleksibilitas, Di tengah keuntungan yang ditawarkan paylater nyatanya dapat menimbulkan perilaku seperti keterlambatan atau kegagalan dalam pembayaran. Masalah dalam penggunaan PayLater muncul dikarenakan financial management behavior yang buruk dari pengguna paylater. Maka dari itu penelitian ini bertujuan meneliti pengaruh antara variabel financial knowledge, financial attitude, dan income terhadap variabel financial management behavior dari pengguna Shopee PayLater. Populasi dari penelitian ini adalah 68 mahasiswa S1 perguruan tinggi di Surabaya yang dihitung dengan isaac dan newton menggunakan teknik probability sampling yang kemudian di analisis dengan analisis deskriptif dan analisis regresi linier berganda menggunakan program IBM SPSS versi 25. Temuan dari penelitian ini financial attitude memiliki pengaruh signifikan positif terhadap financial management behavior. Mahasiswa S1 perguruan tinggi di Surabaya yang menggunakan Shopee PayLater dengan sikap keuangan yang positif akan memiliki perilaku keuangan yang baik. Sedangkan temuan lainnya financial management behavior tidak dipengaruhi oleh financial knowledge dan income. Tinggi rendahnya financial knowledge dan income tidak mempengaruhi baik buruk financial management behavior mahasiswa S1 perguruan tinggi di Surabaya yang menggunakan Shopee PayLater.

PayLater is one of the popular payment methods used in e-ommerce. The trend of using the paylater platform is increasing because this platform is an alternative payment service that offers flexibility. In the midst of the benefits offered by PayLater, in fact, it can cause behavior such as delays or failures in payment. Problems with using paylater arise due to the poor financial management behavior of PayLater users. As a result, this study aims to investigate the relationship between financial knowledge, financial attitude, and income variables on Shopee PayLater users' financial management behavior. The population of this study were 68 undergraduate college students in Surabaya, who were calculated by Isaac and Newton using probability sampling techniques, which were then analyzed by descriptive analysis and multiple linear regression analysis using the IBM SPSS version 25 program. The results of this study show that financial attitude has a significant positive effect on financial management behavior. Undergraduate college students in Surabaya who use Shopee PayLater with a positive financial attitude will have good financial behavior. While other findings financial management behavior is not influenced by financial knowledge and income. High and low financial knowledge and income do not affect the good and bad financial management behavior of undergraduate college students in Surabaya who use Shopee PayLater.