Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Muhammad Taufiq Saputra
Universitas Dian Nuswantoro
Economics, Econometrics & Finance

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

Found 1 Documents
Search

 1 
Penggunaan PayLater Mahasiswa Universitas Swasta di Kota Semarang: Peran Financial Self-Efficacy dalam Mediasi Pengaruh Literasi Keuangan terhadap Risky Credit Behaviour Muhammad Taufiq Saputra; Linda Ayu Oktoriza; Ariati Anomsari; Diana Puspitasari
Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Vol. 6 No. 3 (2026): November : Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jaemb.v6i3.12131

Abstract

Based on 2025 data, the use of “PayLater” services reached 31% and showed an upward trend among college students. This study aims to analyze the influence of objective and subjective financial literacy on risky credit behaviour, with financial self-efficacy as a mediating variable, among Generation Z students at private universities in Semarang. This study employs the Theory of Planned Behavior (TPB). The methodology used is a quantitative approach with SEM-PLS analysis on 180 respondents selected via purposive sampling. The results indicate that objective financial literacy has a positive effect on risky credit behaviour, while subjective financial literacy and financial self-efficacy have a significant negative effect. Furthermore, objective and subjective financial literacy have a positive influence on financial self-efficacy, and financial self-efficacy mediates the relationship between objective and subjective financial literacy and risky credit behaviour. Therefore, students are advised to improve their financial planning and self-control, and future research should include variables such as consumptive behavior, social influence, and digital financial literacy to yield more comprehensive results.
Co-Authors Ariati Anomsari Diana Puspitasari Oktoriza, Linda Ayu