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All Journal Advances in Management & Financial Reporting Jurnal Cinta Nusantara
Darman Saputra
Universitas Bangka Belitung, Indonesia
Religion Humanities Economics, Econometrics & Finance Health Professions Other

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Determinants of Credit Default Among Generation Z Paylater Users in Pangkal Pinang City, Indonesia Adinda Okta Olivia; Nizwan Zukhri; Darman Saputra
Advances in Management & Financial Reporting Vol. 4 No. 2 (2026)
Publisher : Yayasan Pendidikan Bukhari Dwi Muslim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60079/amfr.v4i2.796

Abstract

Purpose: This study aims to analyze the influence of financial literacy, individual income, and ease of access on credit default among Generation Z paylater users in Pangkal Pinang City. Research Method: A quantitative associative approach was employed using data from 122 respondents selected through purposive sampling. Data were analyzed using multiple linear regression with SPSS 25. Results and Discussion: The results show that financial literacy and ease of access have a significant negative effect on credit default. In contrast, individual income does not have a significant effect. Simultaneously, all variables significantly influence credit default, explaining 15.6% of the variance. These findings indicate that credit default behavior is associated with financial understanding and accessibility factors, although the explanatory power of these factors remains limited. Implications: The findings provide indicative insights to help financial service providers and regulators enhance transparency and support financial education on digital credit usage. Future research is recommended to include behavioral and contextual variables. Originality: This study contributes to the BNPL credit risk literature by providing empirical evidence from a local Indonesian context and highlighting behavioral and accessibility dimensions among Generation Z users.
DIGITAL FINANCIAL LITERACY AND QRIS ADOPTION: THEIR IMPACT ON MSME PERFORMANCE IN BANGKA BELITUNG MEDIATED BY FINANCIAL BEHAVIOR Darman Saputra; Julia; Sari Indra Pratama
Jurnal Cinta Nusantara Vol. 4 No. 3 (2026): Juli-September, Synergy of Research and Community Service for Community Empower
Publisher : CV. Bunda Ratu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63754/jcn.v4i3.223

Abstract

The digitalization of payment systems through the Quick Response Code Indonesian Standard (QRIS) has grown rapidly among micro, small, and medium enterprises (MSMEs) in Indonesia, including in the Bangka Belitung Islands Province, whose economy has slowed as its tin-mining sector continues to shrink. This study aimed to analyze the effect of digital financial literacy and QRIS adoption on the financial performance of culinary MSMEs in Bangka Belitung, with financial behavior as a mediating variable. The study employed a sequential explanatory mixed-methods approach, in which a quantitative survey was analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) and reinforced through in-depth interviews. Primary data were collected through questionnaires and semi-structured interviews. The (illustrative) results indicate that digital financial literacy and QRIS adoption have a significant positive effect on financial performance, both directly and through the partial mediation of financial behavior, a finding reinforced by interview data on transaction-recording efficiency and expanded market access. This study offers practical implications for MSME actors, banking institutions, and local governments in promoting digital financial literacy across archipelagic regions such as Bangka Belitung.
Co-Authors Adinda Okta Olivia Julia Nizwan Zukhri Sari Indra Pratama