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Efriyani Sumastuti
Fakultas Ekonomi Dan Bisnis Universitas PGRI Semarang
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Journal : Indonesian Journal of Business and Entrepreneurship (IJBE)

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Financial Literacy, Usage of Pay-Later Services, and Impulse Buying: The Mediating Role of Shopping Habits Widiastuti, C. Tri; Sumastuti, Efriyani
Indonesian Journal of Business and Entrepreneurship Vol. 11 No. 2 (2025): IJBE, Vol. 11 No. 2, May 2025
Publisher : School of Business, IPB University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/ijbe.11.2.479

Abstract

Background: SPayLater, a Shopee digital payment feature, enables users to buy now and pay later, shaping Generation Z’s shopping habits and contributing to impulsive buying tendencies. Financial literacy plays a crucial role in managing personal finances and avoiding unplanned purchases.Purpose: This study examines the effect of financial literacy and SPayLater usage on impulse buying, with shopping habits serving as a mediating variable among Generation Z consumers in Semarang.Design/methodology/approach: The current study used a quantitative approach, with 100 respondents from Generation Z in Semarang. The survey was conducted using probability sampling with the purposive sampling technique, and the number of respondents was determined using the Cochran formula. Data was collected and analyzed using Smart PLS 3.0.Findings/Results: The results show that financial literacy, SPayLater usage, and shopping habits significantly influence impulse buying. Furthermore, shopping habits mediate the relationships between both financial literacy and SPayLater usage with impulsive buying behavior.Conclusion: Improving financial literacy among Generation Z in Semarang is essential to better regulate shopping habits and reduce impulse buying. Awareness of the risks associated with digital payment tools supports wiser financial decisions.Originality/value: This research emphasizes the mediating role of shopping habits in the relationship between financial literacy and impulse buying, offering new insights into consumer behavior in the context of digital credit services. Keywords: financial literacy, Generation Z, impulse buying, shopping habits, usage of pay-later services
Co-Authors A, Nada Nabiah Putri Adhi, Antono Herry Purnomo Aditya Pamungkas Agusetyaningrum, Theresia Agustin, Zhenia Ahmad Abdul Muiz Ainiyah, Musfirotul Ainun Nafisah, Ainun Ali Imron Amelia, Dhea Rizky Anizir Ali Murad Aulia, Ananda Rahma Avi Budi Setiawan Bagus Roni Setiawan Bahrun Thalib Bahrun Thalib Bayu Kurniawan Bayu Kurniawan C. Tri Widiastuti Choirunnisa, Lutfi Devi Astrika Damayanti Deviyantoro Deviyantoro Dewi Larasati Dhani, Putri Rahma Dhea Rizky A Dhea Rizky Amelia Dhea Rizky Amelia Dina Afrilya Dwi Prastiyo Hadi, Dwi Prastiyo Erika Dwi Athala Eriza Nariyanti Etty Soesilowati Fadila, MutiaNur Fadlila, Inka Fajri Hatim Fajri Hatim Farah Chalida Hanoum Farahillah, Cholidatu Efafa Godlif Sianipar Hanifa Nur Hidayaningsih Harahap, Subur Heri Prabowo Heri Prabowo I Wayan Ruspendi Junaedi Indriasari, Ika Ira Setiawati, Ira ISTIKHOMAH Istiqomah, Ijabah Alim Istiqomah, Ijabah Alim Istiyaningsih, Istiyaningsih Istiyaningsih, R. Iwan Harsono kamala, zubdatul Kamaluddin Kamaluddin kresnamurti, agung Kukuh Setya Pamuji Kurniawan , Bayu Lestari, Putri Indah M Rofi M. Fajar Darmaputra Mahmud Yunus Meiriyanti, Rita Mohamad Rizan Muhammad Saim Nana Kariada Trimartuti Nurrohim, Yusuf Teguh Nuswantoro Setyadi Pradono, Nuswantoro Setyadi Pratiwi, Mita Anggi Prianka Ratri Nastiti Prianka Ratri Nastiti, Prianka Ratri Putri Angelina Putri, Aprilia Niken Ayu Saskia Qristin violinda Rahmawati, Umi Deviyana Rahmayani, Putri Rakhmawaty, Yunissa Ratih Hesty Utami Ratih Hesty Utami Ratih Hesty Utami Puspitasari Ridwan Sya’rani Ridwan Sya’rani Rika Yulianti, Rika Rita Meiriyanti Rizka Ardila Angger Wijayanti Rizka Ariyanti Rizqi Saputra, Muhammad Rr Hawik Ervina Indiworo Saputra, Rizqi Dian Setiadi Setiawan, David Firna Setyorini, Noni Shofif S Akbar Tiara Rosita Putri Ujang Sumarwan Ulul Azmi Ulya, Nurma Nafisatul Umni Atus Afifah Wahyu Widodo Widiastuti, C Tri Widiastuti, C. Tri Wildatur Nurrahmah Wiryawan, Dedik