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All Journal Jurnal Pendidikan Ekonomi (JUPE) Jurnal Konseling dan Pendidikan Jurnal Pengabdian UntukMu NegeRI Jurnal Ilmiah Universitas Batanghari Jambi EKONOMIS : Journal of Economics and Business J-MAS (Jurnal Manajemen dan Sains) JURNAL PENDIDIKAN TAMBUSAI ILTIZAM Journal of Sharia Economic Research Develop EDUKATIF : JURNAL ILMU PENDIDIKAN Jurnal EDUCATIO: Jurnal Pendidikan Indonesia Perspektif Pendidikan dan Keguruan JPEKA: Jurnal Pendidikan Ekonomi, Manajemen dan Keuangan Journal On Teacher Education (Jote) Jurnal Pengabdian Masyarakat Khatulistiwa BERNAS: Jurnal Pengabdian Kepada Masyarakat Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Pengabdian kepada Masyarakat Jurnal Development Empowerment Journal Edu Sosial : Jurnal Pendidikan Ilmu Pengetahuan Sosial Estungkara: Jurnal Pengabdian Pendidikan Sejarah Jurnal Pengabdian Masyarakat dan Riset Pendidikan Eduscape: Journal of Education Insight West Science Islamic Studies Journal of Innovative and Creativity Jurnal Penelitian Pendidikan Indonesia Jurnal Abdimas UM Jambi Jurnal Simki Economic
Putra, Iwan Eka
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Journal : Jurnal Simki Economic

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Literasi Keuangan, Manfaat Paylater, dan Locus of Control: Studi Perilaku Penggunaan Shopee Paylater di Kota Jambi Ella Meiza Putri; Iwan Putra; Romi Kurniadi
Jurnal Simki Economic Vol 8 No 2 (2025): Volume 8 Nomor 2 Tahun 2025
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v8i2.1368

Abstract

Given the growing popularity of online shopping, this study uses the concept of control as a moderating variable to examine how financial knowledge and Paylater benefits influence Shopee Paylater usage among Generation Z in Jambi City. 224 Generation Z students residing in Jambi City and frequently using Shopee Paylater were selected using a purposive selection procedure for this study. The data used to support this study were primarily derived from an online survey administered to participants. Using the SmartPLS version 4.0 application, the data were analyzed using Structural Equation Modeling-Partial Least Square (SEM-PLS). This study found that knowing how to manage money has a positive and substantial impact on how people use Shopee Paylater. Shopee Paylater usage is positively and significantly influenced by Paylater benefits. Furthermore, it influences behavior when using Shopee Paylater and has a positive and substantial impact on Locus of Control. Shopee Paylater benefits from financial knowledge, but locus of control does little to mitigate its impact. Expanding the study's unit of analysis, considering other new variables, and using qualitative methods are suggestions made for future studies that can help fill the gap in our knowledge about Shopee Paylater usage behavior by Generation Z in Jambi City.
Co-Authors Abd Halim Ade Irma Suryani Adi Putra Agesha Marsyaf AGESHA MARSYAF Ahmad Nasori Ahmad Nasori Ahmad Nasori Ahmad Nasori Ahmad Soleh Alfiyana, Alfiyana Ali Fahmi Andykawiratama wira Arniwita Arniwita Arniwita, Arniwita Arpizal Asrini Asrini Aulia Yunicha Harly Auza Tiara Meilliati Azizah Septia Ningrum Deca Veronica Deliana Ardhani Dwijayanti, Novia Sri Ediansa, Oka Ekawarna . Ella Meiza Putri Ermaini Ermaini Etik Winarni Etik Winarni Etik Winarni, Etik Fachruddiansyah Muslim faizal riza Gustinar Gustinar Hario Tamtomo Hendra Kurniawan Hendri Purnandi Henny Sari Artha Purba Hidayati Hidayati Hidayati Hidayati Hidayatul Arief Ika Dwi Maya Ikhsan Akbar Muslim Ilham Pahlevi Indria Mayesti Iqra Wiarta Irmanelly, Irmanelly Jeni Vira Guswati Jezzyca Ria Paramita Kuswanto Kuswanto Leni Kurnia Mainita Mayasari Mohammad Ridwan Muhammad Amali, Muhammad Muhammad Arif Muhammad Arif Liputo Mukti Munzir Munzir, Munzir Mustika Mustika Mustika Mutia Wita Prasetia Nasori, Ahmad Novia Sri Dwijayanti Novia Sri Dwijayanti Nurmala Sari Nurmala Sari Nurmala Sari Oka Ediansah Oktarina, Desti Piety, Adinda Maharani Putri, Ella Meiza Refnida Rika Neldawati Rika Neldawaty Rini Kartika Sari Riyo Riyadi Rizki Mutiara Afrilia Romi Kurniadi Rosmiati Rosmiati Rosmiati Rosmiati Rosmiati Sahara Sahara Sari, Yolanda Sendy Permana Silaban, Erika Sabatany SIREGAR, DWI RAYANA Siswoyo Sri Muryati Sri Wahyuni Subhanjaya Angga Atmaja Sudarmanto, Eko Sudawan Supriadi Suherman Suherman Vina Alpionita Yaakub, Saleh Yolanda Sari Yorina An’guna Bansa Yuliska Putri Amanda Yunie Rahayu Zulfikri Akbar