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All Journal Jurnal Pengabdian Masyarakat dan Riset Pendidikan Journal of Creative Power and Ambition (JCPA)
Muhammad Khairul Anam
Politeknik Negeri Pontianak
Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Other

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The Influence of Financial Literacy on Mitigating the Use of Paylater in the Student Environment (Case Study in the Accounting Department of PSDKU Pontianak State Polytechnic, Sanggau Campus) Syarif Muhammad Ilham; Edi Saputra; Muhammad Khairul Anam
Journal of Creative Power and Ambition (JCPA) Vol. 4 No. 02 (2026): Journal of Creative Power and Ambition (JCPA)
Publisher : CV Edujavare Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70610/jcpa.1624

Abstract

The rapid development of Buy Now Pay Later (BNPL) services as part of financial technology (fintech) innovation has provided greater convenience in digital transactions. However, it also increases financial risks when not accompanied by adequate financial literacy. This study aims to examine the effect of financial literacy, consisting of financial knowledge, financial attitude, financial behavior, and usage control, on the mitigation of Buy Now Pay Later (paylater) usage among students of the Diploma III Accounting Study Program at PSDKU Politeknik Negeri Pontianak, Sanggau Campus. This research employed a quantitative approach using a survey method. The sample was selected through purposive sampling, resulting in 22 respondents who had previously used pay later services out of a total population of 62 students. Data were collected using a Likert-scale questionnaire and analyzed with SPSS version 26 through descriptive analysis, validity and reliability tests, classical assumption tests, multiple linear regression analysis, partial hypothesis testing (t-test), simultaneous hypothesis testing (F-test), and coefficient of determination (R²) analysis. The findings indicate that all research instruments met the validity criteria, while most variables were found to be reliable. The partial test revealed that only the usage control variable had a positive and significant effect on the mitigation of pay later usage, whereas financial knowledge, financial attitude, and financial behavior did not have significant effects. Simultaneously, all independent variables significantly affected the mitigation of pay later usage, with an F-value of 10.288 and a significance level of 0.000. Furthermore, the coefficient of determination (R²) of 0.708 indicates that 70.8% of the variation in pay later usage mitigation can be explained by the variables included in the research model, while the remaining 29.2% is influenced by other factors outside the model. These findings suggest that students' ability to control their use of paylater services is the most influential factor in mitigating the financial risks associated with paylater usage.
Transformasi Keuangan UMKM melalui Digitalisasi: Pelatihan dan Pendampingan Pencatatan Keuangan pada UMKM di Kabupaten Sanggau: Pengabdian Andika Patria; Arief Rio Maulana; Muhammad Khairul Anam; Rahman Sastrawan; Siti Lestari; Ermina Toliang; Nia Pratiwi; Edi Saputra; Whilis Aziz Panji Pamungkas; Anesti Viantika Gea
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 5 No. 1 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 5 Nomor 1 (Juli 2026 -
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v5i1.7559

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan pengetahuan dan keterampilan pelaku UMKM yang dibina oleh Rumah BUMN Sanggau dalam menerapkan pencatatan keuangan secara digital. Isu utama yang dihadapi mitra adalah rendahnya pemahaman tentang pentingnya manajemen keuangan usaha, kurangnya keteraturan dalam pencatatan transaksi, serta terbatasnya kemampuan dalam menggunakan aplikasi digital untuk pencatatan keuangan. Metode pelakasanaan kegiatan mencakup penyampaian materi, praktik langsung penggunaan spreadsheet untuk pencatatan transaksi keuangan, pendampingan, serta FGD untuk membahas tantangan dan solusi dalam penerapan pencatatan keuangan digital. Evaluasi dilakukan dengan pre-test dan post-test untuk menilai peningkatan pemahaman serta keterampilan para peserta. Hasil kegiatan menunjukkan peningkatan pengetahuan dan keterampilan peserta pada dengan semua indikator khusunya dalam penggunaan spreedsheet dan formula otomatis untuk pencatatan keuangan yang meningkat dari 11,1% menjadi 88,9%. Dengan ini, kegiatan dapat meningkatkan literasi keuangan digital dan kemampuan peserta dalam mencatat keuangan yang lebih terorganisir sehingga mendukung pengeloaan usaha yang lebih efisien dan berkelanjutan.
Co-Authors Andika Patria Anesti Viantika Gea ARIEF RIO MAULANA Edi Saputra Nia Pratiwi Rahman Sastrawan B51109060 Siti Lestari Syarif Muhammad Ilham Toliang, Ermina Whilis Aziz Panji Pamungkas