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All Journal Biotika: Jurnal Ilmiah Biologi Pendidikan Bahasa dan Sastra Indonesia Guru Membangun Folia Medica Indonesiana Pro-Life Sriwijaya University Learning and Education International Conference Jurnal Manajemen Pendidikan Jurnal Bindo Sastra Jurnal IPA Terpadu Distribusi Indonesian Aquaculture Journal PROSIDING SEMINAR NASIONAL PROGRAM PASCASARJANA Care : Jurnal Ilmiah Ilmu Kesehatan Journal of Case Reports in Dental Medicine JURNAL KESEHATAN MERCUSUAR JATI EMAS (Jurnal Aplikasi Teknik dan Pengabdian Masyarakat) JPEKA: Jurnal Pendidikan Ekonomi, Manajemen dan Keuangan PRAJA: Jurnal Ilmiah Pemerintahan Bulletin of Counseling and Psychotherapy Jurnal Pengabdian kepada Masyarakat Nusantara Window of Community Dedication Journal Jurnal Pengabdian Masyarakat (ABDIRA) Agrikan: Jurnal Agribisnis Perikanan Jurnal Pengabdian Masyarakat Nusantara Journal of Training and Community Service Adpertisi Sahabat Sosial: Jurnal Pengabdian Masyarakat Barongko : Jurnal Ilmu Kesehatan International Journal of Health Sciences Jurnal Motivasi Pendidikan dan Bahasa ABDIMAS KAUNIAH Jurnal Manajemen Rekayasa (Journal of Engineering Management) Journal of Agro Complex Development Society Jurnal Konseling Komprehensif: Kajian Teori dan Praktik Bimbingan dan Konseling
Harlina Harlina
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Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Journal : Distribusi

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FINANCIAL LITERACY AND STUDENTS' FINANCIAL BEHAVIOR: MODELING THE MEDIATING IMPACT OF PAYLATER PERCEPTIONS Sumardi, Umar; Harlina, Harlina
Distribusi - Journal of Management and Business Vol. 13 No. 2 (2025): Distribusi, September 2025
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/distribusi.v13i2.656

Abstract

The purpose of this study is to determine how students' financial literacy influences their financial behavior through their impact and perceptions in using paylater. This research is a quantitative research using data obtained through the distribution of questionnaires to be further analyzed using the Structural Equation Modeling (SEM) – Partial Least Square (PLS) statistical test. The analysis results show that financial literacy has a positive but insignificant effect on financial behavior. Meanwhile, financial literacy has a positive and significant effect on impact and perception. Furthermore, impact and perception are also found to have a positive and significant effect on financial behavior. Finally, the effect of financial literacy on financial behavior is demonstrated through the impact and perception of financial use.paylater has a positive but not significant relationship. This study provides a new perspective by introducing the impact and perception of paylater use as a mediating variable. Furthermore, the hypothesis testing results successfully identified the complexity of the relationship between financial literacy and financial behavior, with the analysis concluding a positive but insignificant effect. The implications of this study imply that financial literacy is a fundamental factor that shapes how individuals act towards financial decisions. The results showing that the impact and perception of paylater use have a positive and significant influence on financial behavior indicate that impact and perception can act as mediating variables, indicating that to change financial behavior, it is important to first focus on how individuals process information and form their views about finances.
Co-Authors A.A. Ketut Agung Cahyawan W ABDUL MANAF abdullah, vera iriani Abnas, Rizqi J. Ade Kartika, Ade Adiaksa, Baso Witman Ali Yusran, Ali Amal Akbar Andi Parenrengi Aryadi, Anggi Aryani, Monica Asbath Said Ashar, Ainun Wafiyah Astari, Siti Aisyah Auliyah, Andi Nur B, Sari Arie Lestari B. Mage, Aisyah Aliyah Rahmah Bakeng, Hasmiriyanti Beddu Tang Cahyati, Deti Chamsanah, Chamsanah Damayanti Tinduh Debi Novita Siregar Dewi, Riska Purnama Djunaedi Djunaedi Edi Pramono Elyana Asnar Emidar Emidar Emma Suryati Ernaningsih Ernaningsih Erni Erni Erni Marlina, Erni Evi Nurlija Silaban Fatimah, Jeanny Mariah Gracelyta, Theadora Hadijah Hadijah Haeruddin, Hasriani Hafsah Hafsah Hamdillah, Andi Handawiyah, Robiatul Herawaty , Herawaty Herawaty, Herawaty Hi Panu, Rasmi Ibrah Fastabiqi Bawana Mukti Ibrahim, Azizah Ida Lestari Iin Handayani Ikraman, Rina Andika Ilmian, Ilmian Irmawati Irmawati Islamiati, Tri Septiana Israyani, Israyani Izzulhaq, Muh Sulfan Jasruddin Daud Malago Jayadi Jayadi Kamaruddin Kamaruddin Kamaruddin Kartini Kartini Khalid, Hasbuddin La Ode Maman M, Warda Madani, Ultra Mahi, Faizah Marwono, Marwono Mediaty Meillisa Carlen Mainassy MELISA KARLYN PUTRI, MELISA KARLYN Muchtar, Andi Asikin Muhammad Anwar Muhammad Aqil Rusli, Muhammad Aqil Muhammad Farid Muhammad Saenong Musdalifah Musdalifah Nadivah, Nadivah Nova Friska Tamba Novia Juita Novita Aryani Novita Sari NUR FITRIANI Nurhuda, Fitri Afra Nurul Mukhlishah Ohorella, Usman Barus Panduwinata, Vina Pannyiwi, Rahmat Patiju, Ashmad Pramono, Dominggus Ruku Yudit Pudyastuti, Rita Rena Puriani, Risma Anita Purwamiluyah, Purwamiluyah Putri, Andi AM. RACHMAT RAMLI Raehan, Raehan Rahmi Sofah, Rahmi Ramlawati Ramlawati Rani Mega Putri Rasdayanti, Nur Ratna Sari Dewi Rina Yanti Siagian Rohmatiah, Siti Rosmiati Rosmiati Rustam Rustam Sabriana, Riska SAHABUDDIN SAHABUDDIN Sahendra, Yani Sinaga, Ucok Siti Hadijah SITTI AIDA AZIS Sitti Hadijah, Sitti St Hadijah, St Sucipto, Sigit Dwi Sudirman , Sudirman Sumardi, Umar Sumintarti Sumintarti, Sumintarti Susi Susanti Syahrul Syarifuddin Syarifuddin Thalib, Kiki Uniatri Tiomin, Nurul Anisa Usman, Nur A. Vivin Hardyanty Wardarita, Ratu Wijayanti, Lumastari Ajeng Wulandari Ayu Ningsih Yermi, Yermi Yosef, Yosef Zulbahri, Zulbahri Zunarmin Zunarmin