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All Journal JHSS (Journal of Humanities and Social Studies)
Ranila Suciati
Universitas Pembangunan Nasional "Veteran" Jakarta, Jakarta, Indonesia
Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Buy Now, Pay Later And Generation Z Financial Well-Being: A Systematic Literature Review Dhea Aulia Islami; Yudi Nur Supriadi; Ranila Suciati
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol. 10 No. 03 (2026): JHSS (Journal of Humanities and Social Studies) (SI)
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v10i03.291

Abstract

This study synthesizes evidence on how Buy Now, Pay Later (BNPL) affects financial stress and financial well-being among Generation Z. A systematic literature review was conducted using publications retrieved from Scopus through Publish or Perish, Google Scholar, and SINTA. The search covered studies published from 2018 to 2025. After title, abstract, keyword, and full-text screening against predefined inclusion and exclusion criteria, 30 relevant studies were analyzed through thematic synthesis. The literature consistently shows that BNPL expands short-term purchasing access and increases transaction value by reducing the perceived immediacy of payment. However, installment framing, promotional intensity, and frictionless checkout can encourage impulsive buying, overspending, multiple repayment obligations, and over-indebtedness. The effect on financial well-being is therefore conditional rather than uniformly negative or positive. Responsible financial behavior and self-control emerge as central mechanisms, while financial literacy is most effective when it is translated into budgeting, repayment discipline, and deliberate credit use. The review proposes a conditional framework in which BNPL usage influences financial stress and well-being through behavioral and psychological pathways. The findings support stronger consumer protection, transparent product design, risk-sensitive credit limits, and targeted financial education for young users.
The Effect of Sales Growth, Profitability, and ESG Disclosure on Company Value with Firm Size Moderation (Study on Mining Companies at IDX) Popi Dwiyanti; Ranila Suciati
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol. 10 No. 01 (2026): JHSS (Journal of Humanities and Social Studies) (SI)
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the influence of sales growth, profitability, and ESG disclosure on company value with company size as a moderation variable in mining sector companies listed on the Indonesia Stock Exchange for the period 2020–2024. This study uses a quantitative approach with panel data regression methods and moderated regression analysis (MRA). The research sample consisted of 20 companies with a total of 100 observations. The results of the study show that sales growth has no effect on company value, profitability has a positive effect on company value, and ESG disclosure has an effect on company value. The results of the moderation test showed that the size of the company was able to moderate the influence of sales growth on the company's value, but was unable to moderate the influence of profitability and ESG Disclosure on the company's value. This research implies that investors not only consider the efficiency of the asset, but also the sustainability performance and ability of the company to generate profits
Co-Authors Dhea Aulia Islami Popi Dwiyanti Yudi Nur Supriadi