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All Journal IJBE (Integrated Journal of Business and Economics) JIM UPB (Jurnal Ilmiah Manajemen Universitas Putera Batam) BAREKENG: Jurnal Ilmu Matematika dan Terapan JURNAL PENDIDIKAN TAMBUSAI YUME : Journal of Management Almana : Jurnal Manajemen dan Bisnis PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Journal of Political Issues Yumary: Jurnal Pengabdian kepada Masyarakat International Journal of Business, Technology, and Organizational Behavior (IJBTOB) Studi Ilmu Manajemen dan Organisasi Indonesian Journal of Social Science Research Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Jurnal For Management Student (JFMS) Innovative: Journal Of Social Science Research Paradoks : Jurnal Ilmu Ekonomi International Journal of Magistravitae Management Advances in Management & Financial Reporting Journal of Management, Economic, and Financial TRJ (Tourism Research Journal) Benefit: Jurnal Manajemen dan Bisnis
Saputra, Darman
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Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Mechanical Engineering Physics Public Health Social Sciences Transportation Other

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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 Alvito, Alvito Angraini, Suci Ari Agung Nugroho, Ari Agung Aryansyah, Ary Fakturrachman Azelya, Iis Christine Christine Desy Yuliana Dalimunthe, Desy Yuliana Dian Prihardini Wibawa Gunawan, Vebiola Guspian, Iza Hamsani Hamsani, Hamsani Herdiyanti, Herdiyanti Herman Aldila Imanda, Yurliza Ineu Sulistiana, Ineu Julia Julia Julia Khairiyansyah, Khairiyansyah Kusumah, Echo Perdana Mastira, Ovina Mursyid Hasan Basri Musa, Jacqueline Aprilia Nanang Wahyudin Nizwan Zukhri Noviyanti, Indah Oktavia Oktavia Olivia, Adinda Okta Pratama, Sari Indra Pririzki, Sisilia Jesika Reniati Reniati Sari, Willa Fatika Sumar, Sumar Wirdayanti Yasmin Yasmin