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All Journal Holistic Journal Of Management Research Ekspektra: Jurnal Bisnis & Manajemen IJBE (Integrated Journal of Business and Economics) JWP (Jurnal Wacana Politik) AFEBI Management and Business Review SEIKO : Journal of Management & Business IKRA-ITH ABDIMAS Indonesian Treasury Review: Jurnal Perbendaharaan, Keuangan Negara dan Kebijakan Publik Almana : Jurnal Manajemen dan Bisnis Journal of Political Issues Jurnal Ekonomi Pembangunan Jurnal Abdi Insani JIIP (Jurnal Ilmiah Ilmu Pendidikan) Community Development Journal: Jurnal Pengabdian Masyarakat Equity: Jurnal Ekonomi Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Yumary: Jurnal Pengabdian kepada Masyarakat International Journal of Business, Technology, and Organizational Behavior (IJBTOB) Prima Abdika: Jurnal Pengabdian Masyarakat Studi Ilmu Manajemen dan Organisasi Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Wiga : Jurnal Penelitian Ilmu Ekonomi Jurnal Impresi Indonesia Sinomika Journal: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi Journal of Social Science Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Journal of Artificial Intelligence and Digital Business Innovative: Journal Of Social Science Research JURNAL EKONOMI BISNIS DAN MANAJEMEN Indonesian Journal of Accounting and Business Riwayat: Educational Journal of History and Humanities Jurnal Ekonomi Bisnis dan Manajemen Journal of Community Service and Society Empowerment Journal of Innovative and Creativity Advances in Management & Financial Reporting Journal of Management, Economic, and Financial Society Jurnal Riset Multidisiplin Edukasi Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan Jurnal Organisasi dan Manajemen Indonesia
Nizwan Zukhri
Universitas Bangka Belitung
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Journal : Advances in Management

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Determinants of Credit Default Among Generation Z Paylater Users in Pangkal Pinang City, Indonesia Olivia, Adinda Okta; Zukhri, Nizwan; Saputra, Darman
Advances in Management & Financial Reporting Vol. 4 No. 2 (2026): February - May
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.
Co-Authors AGUSTINI, AISYAH PUTRI Ahfanza Nugraha El Pambajeng Aisyah Putri Agustini Alvi Pradanita Zahri Andini, Mutia Andriyansah . Anggraeni Yunita Antonio Lisiadi Ari Agung Nugroho Ari Agung Nugroho Ari Agung Nugroho, Ari Ari Agung Nugroho, Ari Agung Arieska Mellynia, Mega Arviza Zulfara Augusti Ulina Awliya Aqdas Belinda Belinda Christianingrum Christine Christine Christine Christine Christine Christine Christine* Darman Saputra Darman Saputra Darman Saputra Darman Saputra Darus Altin Desi Nazarulita Devi Valeriani Dian Prihardini Wibawa Dini Oktariani Dony Yanuar, S.E., M.M. Erinazila Erinazila Erinazila, Erinazila Erita Rosalina Erita Rosalina Fenza, Ilham Putra Feyza Yudhistira frisca widya lestari Gani, Azza Faulin Hamsani Hamsani, Hamsani Hendrian Hendrian Hidayati Hidayati Hidayati Hidayati Holipah Septrianingsih Husril Husril Ibrahim Ibrahim Ibrahim Ibrahim Imanda, Yurliza Indah Noviyanti Ismail , Tubagus Jaka Anggara Jovian, Handi Julio Julio Lindiyani Lindiyani Lindiyani, Lindiyani MANIK, JEANNE DARC NOVIAYANTI Mastira, Ovina Maya Yusnita Muhamad Hijran Muhammad Haikal Faran Fajri Muhammad Hamka Muhammad Hamka Mustofa Thohari Mustofa Tohari Muthia Rahma Mutia Andini Nanang Wahyudin Novalia, Karina Nur Ahmad Ricky Rudianto Nurhayati Nurhayati Oktapiani Oktapiani Olivia, Adinda Okta Pambajeng, Ahfanza Nugraha El Prakarsa, Yuristian Eka Pronika, Yeni Rendy Rendy Rendy Rendy Reniati Reniati Rin Marka, Kemas Rini Yayuk Priyati, Rini Yayuk Rini Yayuk Proyati Rulyanti Susi Wardhani Ryand Daddy Setyawan Safriansah Safriansah Saputra , Darman Saputra, Darman Sari, Wari Kartika Shella Pratamawati Shella Pratamawati Sri Rahayu Sri Rahayu Suci Wulandari Sukamto, Ika Sumiyarsi Sulistari Sulistari Sumar, Sumar Syahbari, Ummi Kalsum Tiara Fitari Tsulis Amirudin Zahri Umar Sumardi Ummi Kalsum Syahbari Wendi Wendi Wendi Wendi Wenni Anggita, Wenni Willa Fatika Sari Wulandari, Megia Yanuar, Dony Zahri, Alvi Pradanita Zulfara, Arviza