Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Proceeding Seminar Nasional Riset Terapan Administrasi Bisnis dan Mice (SNRT)
Linda Agustina
a:1:{s:5:"en_US";s:22:"UPN VETERAN JAWA TIMUR";}

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Analisis Perilaku Keuangan Mahasiswa Dalam penggunaan fitur Paylater pada E-commerce Linda Agustina
Seminar Nasional Riset Terapan Vol. 15 No. 01 (2026): SNRT XV TAHUN 2026
Publisher : Administrasi Niaga Politeknik Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32722/snrtbisnis.v15i01.8049

Abstract

This study evaluates the operational mechanics of digital financial instruments, specifically PayLater features within e-commerce networks, and their direct influence on student financial behavior. Utilizing a rigorous quantitative approach via Structural Equation Modeling (SEM-PLS), data were processed to understand how cognitive and psychological constraints filter external commercial stimuli. The findings demonstrate that internal self-regulation dynamic acts as the primary barrier against systematic overspending, outperforming generic financial knowledge indexes. The study details specific behavioral patterns emerging from continuous digital credit exposure among young consumer cohorts.
Co-Authors