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Faktor-Faktor yang Mempengaruhi Propensity to Indebtedness Pengguna Shopee Paylater di Jakarta Farrenlie, Jesslyn Mirabel; Pamungkas, Ary Satria
Jurnal Manajerial Dan Kewirausahaan Vol. 6 No. 2 (2024): Jurnal Manajerial dan Kewirausahaan
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmk.v6i2.29840

Metode pembayaran PayLater kini kian populer disebabkan karena banyaknya masyarakat yang mulai beralih dari penggunaan kartu kredit ke layanan PayLater dan hal ini didominasi oleh Generasi Z. Kemudahan pembayaran yang disediakan oleh banyak e-commerce ini memicu pengguna untuk semakin melakukan pembelian yang tidak bijak dan akhirnya terjebak dalam kredit. Penelitian ini bertujuan untuk mengetahui pengaruh financial literacy, materialism, money value, dan compulsive buying terhadap propensity to indebtedness. Sampel yang diambil adalah 360 Generasi Z pengguna Shopee PayLater dan berdomisili di Jakarta. Data dikumpulkan melalui kuesioner dengan menggunakan teknik pengambilan sampel purposive sampling. Data yang terkumpul kemudian diolah menggunakan metode analisis data PLS-SEM. Hasil penelitian ini menunjukkan terdapat pengaruh negatif financial literacy terhadap propensity to indebtedness, terdapat pengaruh positif materialism terhadap propensity to indebtedness, dan terdapat pengaruh positif compulsive buying terhadap propensity to indebtedness. Namun, tidak terdapat pengaruh money value terhadap propensity to indebtedness. The PayLater payment method is becoming increasingly popular due to the fact that many people are starting to switch from using credit cards to PayLater services and this is dominated by Generation Z. The ease of payment provided by many e-commerce sites triggers users to increasingly make unwise purchases and eventually get stuck in credit. This study aims to determine the effect of financial literacy, materialism, money value, and compulsive buying on propensity to indebtedness. The samples taken was 360 Generation Z users of Shopee PayLater and domiciled in Jakarta. Data was collected through a questionnaire using a purposive sampling technique. The collected data was then processed using the PLS-SEM data analysis method. The results of this study indicate that there is a negative influence of financial literacy on propensity to indebtedness, there is a positive influence of materialism on propensity to indebtedness, and there is a positive influence of compulsive buying on propensity to indebtedness. However, there is no influence of money value on propensity to indebtedness.

Pengaruh Financial Literacy dan Financial Attitude terhadap Financial Well-Being Melalui Financial Behavior Andrene, Jocelyn; Pamungkas, Ary Satria
Jurnal Manajerial Dan Kewirausahaan Vol. 7 No. 1 (2025): Jurnal Manajerial dan Kewirausahaan
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmk.v7i1.33013

Saat ini, laju penurunan kemiskinan dan kesenjangan di daerah perkotaan bergerak dengan lambat. Sebagai provinsi dengan tingkat penduduk yang padat, Provinsi Jawa Barat masih menghadapi ketimpangan sosial dan masalah kesejahteraan. Data Badan Pusat Statistik (BPS) menunjukkan Kabupaten Bogor memiliki jumlah penduduk miskin terbanyak di Provinsi Jawa Barat untuk tahun 2024. Penelitian ini dilakukan dengan tujuan untuk menguji pengaruh financial literacy dan financial attitude terhadap financial well-being dengan dimediasi oleh financial behavior. Populasi yang digunakan dalam penelitian ini adalah seluruh masyarakat Kabupaten Bogor yang telah berpenghasilan dan telah menyelesaikan jenjang pendidikan Strata 1 (S1) dimana sampel yang digunakan pada penelitian ini berjumlah 303 responden. Teknik analisis data yang digunakan dalam penelitian ini adalah Structural Equation Modeling (SEM) dengan software SmartPLS versi 4.1.0.8 digunakan untuk mendukung pengelolaan data. Hasil penelitian ini menunjukkan bahwa financial literacy dan financial behavior berpengaruh positif terhadap financial well-being, financial literacy dan financial attitude berpengaruh positif terhadap financial behavior, financial attitude tidak berpengaruh terhadap financial well-being, serta financial behaviormemiliki peran memediasi pengaruh financial literacy dan financial attitude terhadap financial well-being. Currently, the rate of poverty reduction and inequality in urban areas is moving slowly. As a province with a high population density, West Java still faces social inequality and welfare issues. Data from Central Bureau of Statistics West Java shows that Bogor Regency has the highest number of poor residents in West Java for the year 2024. This research was conducted with the aim of examining the effect of financial literacy and financial attitude on the financial well-being of the people of Bogor Regency, mediated by financial behavior. The population in this research consists of all residents of Bogor Regency who already have an income and have completed a bachelor's degree (S1), with a sample size of 303 people used in this research. The data analysis technique used in this research is Structural Equation Modeling (SEM) with SmartPLS version 4.1.0.8 as the software that is used to support data processing. The results of this research show that financial literacy and financial behavior have a positive effect on financial well-being, financial literacy and financial attitude have a positive effect on financial behavior, financial attitude does not affect financial well-being, and financial behavior mediates the effect of financial literacy and financial attitude on financial well-being.

Pengaruh Financial Literacy, Risk Tolerance, dan Overconfidence terhadap Investment Decision Investor Saham di Surabaya Salim, Dionisius Zephaniah; Pamungkas, Ary Satria
Jurnal Manajerial Dan Kewirausahaan Vol. 7 No. 2 (2025): Jurnal Manajerial dan Kewirausahaan
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmk.v7i2.34001

Masyarakat mengalami kerugian ratusan miliar karena mengambil keputusan investasi yang salah akibat kurangnya analisis menyeluruh dan perilaku Fear of Missing Out (FOMO). Pengambilan keputusan investasi ini memicu kasus penipuan investasi saham di Surabaya yang menunjukkan adanya permasalahan dalam pengambilan keputusan investasi di kalangan investor Surabaya. Maka dari itu, penelitian ini bertujuan untuk mengetahui pengaruh Financial Literacy, Risk Tolerance dan Overconfidence terhadap Investment Decision investor saham di Surabaya. Populasi dalam penelitian ini adalah seluruh investor saham yang berdomisili di Surabaya dan sudah berpenghasilan. Sampel pada penelitian ini sebanyak 327 responden yang berdomisili di Surabaya, melakukan investasi saham, dan sudah mempunyai penghasilan. Data dikumpulkan melalui kuesioner dengan teknik analisis data PLS-SEM. Hasil penelitian ini menunjukkan bahwa terdapat pengaruh positif Financial Literacy terhadap Investment Decision, terdapat pengaruh positif Risk Tolerance terhadap Investment Decision, dan terdapat pengaruh positif Overconfidence terhadap Investment Decision. People suffer losses of hundreds of billions due to making wrong investment decisions due to lack of comprehensive analysis and Fear of Missing Out (FOMO) behavior. This investment decision-making triggers a case of stock investment fraud in Surabaya which shows problems in investment decision-making among Surabaya investors. Therefore, this study aims to determine the effect of Financial Literacy, Risk Tolerance and Overconfidence on Investment Decisions of stock investors in Surabaya. The population in this study were all stock investors who live in Surabaya and have income. The sample in this study was 327 respondents who live in Surabaya, invest in stocks, and already have income. Data were collected through a questionnaire with the PLS-SEM data analysis technique. The results of this study indicate that there is a positive effect of Financial Literacy on Investment Decisions, there is a positive effect of Risk Tolerance on Investment Decisions, and there is a positive effect of Overconfidence on Investment Decisions.

SAVING BEHAVIOR OF THE MILLENNIAL GENERATION IN JAKARTA Pamungkas, Ary Satria; Herwindiati, Dyah Erny; Taba, Muhammad Idrus
International Journal of Application on Economics and Business Vol. 3 No. 1 (2025): February 2025
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v3i1.1-7

Indonesian people's interest in saving has decreased to only 15.4% as of May 2024. Bank Indonesia invites the public, especially the millennial generation, to get into the habit of saving. This study aims to determine the effect of peer influence, socialization of parents and self-control on saving behavior. The number of samples in this study was 240 people from the millennial generation who already have income in Jakarta. This study used Structural Equation Modelling (SEM) for data analysis. The results of this study show that peer influence, socialization of parents and self-control have a positive effect on saving behavior.

SAVING BEHAVIOR OF THE MILLENNIAL GENERATION IN JAKARTA Pamungkas, Ary Satria; Herwindiati, Dyah Erny; Taba, Muhammad Idrus
International Journal of Application on Economics and Business Vol. 3 No. 2 (2025): May 2025
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v3i2.732-738

Indonesian people's interest in saving has decreased to only 15.4% as of May 2024. Bank Indonesia invites the public, especially the millennial generation, to get into the habit of saving. This study aims to determine the effect of peer influence, socialization of parents and self-control on saving behavior. The number of samples in this study was 240 people from the millennial generation who already have income in Jakarta. For data analysis, this study used Structural Equation Modelling (SEM). The results of this research show that peer influence, socialization of parents and self-control have a positive effect on saving behavior.

THE INFLUENCE OF INVESTMENT MOTIVATION, INVESTMENT KNOWLEDGE, AND FINANCIAL LITERACY ON INVESTMENT INTEREST Fortunatus, Angela Eunike; Pamungkas, Ary Satria
International Journal of Application on Economics and Business Vol. 1 No. 3 (2023): Agustus 2023
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v1i3.1722-1731

The purpose of this study is to ascertain how investment motivation, investment knowledge, and financial literacy contribute to the millennial generation's interest in investing in Bandung. This study's sample consists of Bandung's millennials who are interested in stock investing. The purposive sampling method was used to select 220 respondents for the study's sample. Structural Equation Modelling (SEM) was used for data analysis techniques. Using the quantitative research method, a descriptive research design was used in this study. This study found that investment interest is influenced by investment motivation, investment knowledge, and financial literacy.

THE INFLUENCE OF FINANCIAL LITERACY, REGRET AVERSION BIAS, AND OVERCONFIDENCE ON INVESTMENT DECISION Tifany, Angela; Pamungkas, Ary Satria
International Journal of Application on Economics and Business Vol. 1 No. 3 (2023): Agustus 2023
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v1i3.1732-1739

Investment decision is a policy taken by investors as an alternative to achieve future profits. By comparing the average salary of formal employees in Jakarta with the cost of living in Jakarta, a question arises about how investors in Jakarta who work as worker make their investment decisions based on their investment capital. The purpose of this study is to examine the effect of Financial Literacy, Regret Aversion Bias, and Overconfidence on Investment Decision among workers in Jakarta. The sample of this study are the workers who work and live in Jakarta that make investment in the capital market. The number of samples in this study was 228 respondents that were obtained by purposive sampling method. This study used Structural Equation Modelling (SEM) for data analysis and using Likert scale as the measurement scale. The result of this study indicated that Financial Literacy, Regret Aversion Bias, and Overconfidence have a positive effect on Investment Decision.

THE EFFECT OF INVESTMENT MOTIVATION, PERCEIVED RISK AND FINANCIAL LITERACY ON INVESTMENT INTENTION Kurniawati, Merry; Pamungkas, Ary Satria
International Journal of Application on Economics and Business Vol. 1 No. 4 (2023): November 2023
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v1i4.2142-2151

Single investors in the capital market are only 2.73% of the total population of Indonesia. This means that there are still many Indonesians who have not invested, which can be caused by a lack of investment intention. Generation Z in West Kalimantan is still small, and one of the reasons is the attitude, behavior, and consumptive lifestyle of Generation Z, which has an impact on their intention in investing. This study was to determine whether there is an effect of Investment Motivation, Perceived Risk and Financial Literacy on Investment Intention. The research design used in this study is a descriptive research design with a quantitative approach. The sample in this study were generation Z (born 1997-2012), domiciled in West Kalimantan, have an intention in investing in the capital market but have never invested before. The number of samples used in this study were 347 respondents who were selected using a purposive sampling technique. Data analysis was carried out using the Structural Equation Modeling technique. The results of this study show that there is a positive effect of Investment Motivation on Investment Intention, there is a positive effect of Perceived Risk on Investment Intention, and there is a positive effect of Financial Literacy on Investment Intention.

FINANCIAL LITERACY, RISK PERCEPTION, MATERIALISM AND PROPENSITY TO INDEBTEDNESS Pamungkas, Ary Satria; Herwindiati, Dyah Erny; Taba, Muhammad Idrus
International Journal of Application on Economics and Business Vol. 2 No. 1 (2024): February 2024
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v2i1.3044-3050

The purpose of this paper is to study the influence of financial literacy, risk perception and materialism on propensity to indebtedness. The number of samples in this study was 200 respondents who were credit card users who already had income in the Jakarta area. For data analysis, this study used Structural Equation Modelling (SEM). The result of this study indicated that Financial Literacy and Risk Perception has a negative effect on Propensity to Indebtedness, while Materialism has a positive effect on Propensity to Indebtedness.

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