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All Journal SJEE (Scientific Journals of Economic Education)
Agni Yanti Nur Septi Pratiwi
Economic Education Program Study, FKIP, Universitas Siliwangi, Tasikmalaya
Economics, Econometrics & Finance Education Other

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Financial Literacy, Self-Control, and Debt Attitude Predict BNPL Indebtedness among Generation Z Agni Yanti Nur Septi Pratiwi; Gugum Gumilar; Edi Fitriana Afriza
SJEE (Scientific Journals of Economic Education) Vol 10, No 2 (2026): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/sjee.v10i2.426

Abstract

The rapid growth of Buy Now Pay Later (BNPL) services among Generation Z has raised concerns about increasing indebtedness due to easy access and flexible payment features. Without adequate financial literacy, self-control, and appropriate attitudes toward debt, Generation Z is more vulnerable to excessive borrowing behavior. This study aims to analyze the effect of financial literacy, self-control, and debt attitude on the propensity to indebtedness among Generation Z students using BNPL. This research employed a quantitative approach with a survey method involving 318 Generation Z students from the 2023 cohort at Universitas Siliwangi, selected through simple random sampling. Data were collected through questionnaires and analyzed using multiple linear regression. The results show that financial literacy, self-control, and debt attitude have a positive and significant effect on the propensity to indebtedness, both partially and simultaneously. These findings indicate that cognitive and behavioral factors play an important role in shaping Generation Z students’ tendency to incur debt in BNPL usage.
Co-Authors Edi Fitriana Afriza Gugum Gumilar