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The Effect of Financial Literacy on the Intention to Use Peer-to-Peer (P2P) Lending (Case Study of MSMEs Assisted by Rumah Berdaya Cilegon) Nuresa, Difa; Fauziyah, Azizah; Rachmani, Nizza Nadya
The Future of Education Journal Vol 5 No 1 (2026)
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah Yayasan Pendidikan Tumpuan Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61445/tofedu.v5i1.1665

Abstract

Fintech peer-to-peer lending has become a popular alternative source of business funding for MSMEs, but its use is not matched by adequate financial literacy skills. The purpose of this study is to determine the effect of financial literacy on the intention to use peer-to-peer lending among MSMEs under the guidance of Rumah Berdaya Cilegon. This study uses an explanatory quantitative approach. The sampling technique uses probability sampling, and the application of the Slovin formula results in a sample size of 77. Data were collected through questionnaires and analyzed using descriptive analysis, classical assumption tests, simple linear regression analysis, T-tests, and coefficient of determination tests. The results of the study indicate that financial literacy has a positive and significant effect on the intention to use peer-to-peer lending.
The Influence of Fear of Missing Out on Impulsive Buying Behaviour in Generation Z UPI Tasikmalaya: Case Study of TikTok Shop Users Natadilaga, Arya Abdillah; Fauziyah, Azizah; Yusup, Ismail
The Future of Education Journal Vol 5 No 1 (2026)
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah Yayasan Pendidikan Tumpuan Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61445/tofedu.v5i1.1678

Abstract

The expansion of social commerce has reshaped consumer decision-making, particularly among Generation Z as digital natives who are highly engaged with social media platforms. TikTok Shop integrates entertainment, social interaction, and instant purchasing features that may intensify psychological stimuli such as Fear of Missing Out (FOMO), thereby encouraging impulsive buying behavior. This study investigates the level of FOMO and impulsive buying among Generation Z students at Universitas Pendidikan Indonesia (UPI) Tasikmalaya who use TikTok Shop, and empirically examines the effect of FOMO on impulsive buying behavior. Employing a quantitative descriptive-verificative design, data were collected through structured questionnaires from 339 respondents selected using purposive sampling. Simple linear regression analysis was applied to test the proposed hypothesis. The findings reveal that Fear of Missing Out has a positive and statistically significant effect on impulsive buying behavior among Generation Z TikTok Shop users. This indicates that psychological concerns related to social exclusion and trend avoidance play a critical role in accelerating unplanned purchasing decisions within digital commerce environments. The study contributes empirical evidence to consumer behavior research in social commerce contexts and highlights the importance of understanding psychological drivers in shaping responsible consumption and effective digital marketing strategies.
Co-Authors Adam Hermawan Agustian, Tito Ahdi, Ahdi Al Aziz, Ilham Medi Aldi Akbar Ramadhan Allicia Deana Santosa Amelia Nurisnaeni Arifianisa, Afina Arya Abdillah Natadilaga Astri Srigustini Aulia Indah Permatasari Romadhona Putri Belina Nur Panilan Chatarina Umbul Wahyuni Cindi Ibriani Citra Putri Desmona Clymenia, Agripina Daffaputra, Idzhar Dede Kurnia Dede Kurnia Dede Kurnia, Dede Dede Lela Difa Nuresa Dinanti, Nadira Disman, Disman Dwi Nuryanti Dwi Ramdani Ery Adam Primaskara Falah, Zatsiah Sekar Falia Musi Ardani Fathurrahman, Hanif Zirly Fauzan Hartono, Muhammad Fauzi, Rizki Fauziah, Dela Aprilia Ghaida, Ghia Ghia Ghaida Kanita, Ghia Ghaida Gusganda Suria Manda Hanafi, Mohamad Hani Aliya Wardani Hani Aliya Wardani Hari Sulistiyo Harun Basalamah, Salma Hasanah, Hajar Sri Hengki Vieri Panogari Vincentius Simarmata Ibrahim Hasan Ihsanul Kamil Imas Purnamasari Indirwan Satria Purnama Indriati, Dewi Nabila Irma Suryaningsih Irvan Juliyano Ismail Yufus Ismail Yusuf Ismail Yusuf Ismail Yusuf Ismail Yusuf, Ismail Ismail Yusup Ismail, Redi Jamilah, Dinny Julajizah , Nita Kahla, Talitha Kathleen, Sabrina Kencana Wulan Khazanah, Latifah Khintari, Muhammad Amien Kodrat Sapto Adjie Koeswandi, Tika Koeswandi, Tika Annisa Koeswandi, Tika Annisa Lestari Komalasari, Fira Kurjono, Kurjono Kurniawan Kurniawan Larasati, Irene Putri Lili Latipah Lulu Alya Rudiyanto Luthfi Hakim Choiri Maesaroh, Syti Sarah Marpaung, Sanny Margaretha Br Medi, Ilham Millania, Jehan Fitri Mira Nurfitrya Muhamad Delvin Azzahra Muhamad Rizki Akbar Muhammad Rizqi Mardiansyah Mulyani, Ira Adinda Sri Mutiara Nur Ihsan Muttaqin, Muhammad Tajul Nandang Nandang Nanu Hasanuh Natadilaga, Arya Abdillah Nizza Nadya Rachmani Nofisks, Dara Jingga Puti Nugraha, Imam Rizki Nur, Dini Hajah Nuraida, Siti Nurbayanti, Resti Nuresa, Difa Nurfauziyyah, Siti Maritza Nurfitriya, Mira Nurmiptah, Vina Nursabela, Chintya Perdiana, Rizal Hendri Pintanawati, Septia Primaskara, Ery Adam Puput Puji Lestari Putri Rizki Fitriani Putri, Fellicia Tiara Putri, Sezara Indah Rachmani, Nizza Nadya Rahman, M. Auliya Rahmawati, Linda Rahmawati, Silma Ramadhani, Dimas Bagus Rasyid, Rizva Kirana Redi Ismail Reflin, Pasya Mutia Repita Dewi Riansyah, Mochamad Anwar Ridwan, Ilham Daffa Rifan Irawan Rifandi, Rifan Ahmad Rismawan, Arip Rizkiyadi, Aldi Alfa Rosalia, Indah Ryan Fazri Sidiq S. Sarah Safira Nada Januar Salwa Salsabila Aulia Rahmani Savitri, Raissa Risty Seni Pitriani Septia Pintanawati Silvia Fajari Rasyieda Siti Alifah Nur Jamil Sonny Rustiadi Sri Hardianti Sartika, Sri Hardianti Sugiharti, Harpa Sujaya, Krisna Sulastri Sulastri Suryaningsih, Irma Syafariyah, Meisya Syilmi, Alfi Nur T. Koeswandi Tika Koeswandi Ujang Tajul Uswatun Hasanah Wanda Puspa Dewi Astuti R Yanwar, Choirul Umam Yayi Suryo Prabandari Yusuf, Ismail Yusuf Zulkarnaen, Tania Navisca