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All Journal Syntax Literate: Jurnal Ilmiah Indonesia Jurnal Review Pendidikan dan Pengajaran (JRPP) International Journal of Economics, Business and Accounting Research (IJEBAR) International Journal of Economics Development Research (IJEDR) Jurnal Abdi Insani Quantitative Economics and Management Studies Jurnal ABM Mengabdi International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) TRANSFORMASI : JURNAL PENGABDIAN PADA MASYARAKAT Jurnal Minfo Polgan (JMP) International Journal of Social Science, Education, Communication and Economics International Journal of Education and Digital Learning (IJEDL) Jurnal Indonesia Sosial Sains Asian Journal of Social and Humanities
Sri Utami Ady
Faculty Of Economics And Business, Universitas Dr. Soetomo, Jl. Semolowaru No.84, Kec. Sukolilo, Surabaya, 60118, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Neuroscience Physics Social Sciences Other

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The Role of Financial Literacy and Self-Control in Managing Students' Consumptive Behavior with PayLater Usage Decisions as a Mediating Variable Nova Adhitya Ananda; Sri Utami Ady; Nur Sayidah
International Journal of Social Science, Education, Communication and Economics (SINOMICS Journal) Vol. 3 No. 5 (2024): December
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sj.v3i5.420

Abstract

This study investigates the influence of Financial Literacy on Consumptive Behavior among students, with PayLater Usage as an intervening variable and Self-Control as a moderating variable. The rapid adoption of digital credit services, such as PayLater, has reshaped consumption patterns, particularly among young users, by promoting convenience and flexible payment options. This research aims to understand how financial literacy and self-control interact to influence students’ consumption behavior through PayLater usage. Using Structural Equation Modeling (SEM) with a sample of 100 students from the Faculty of Economics and Business at Universitas Teknologi Sumbawa, the study finds that Financial Literacy has a positive influence on both PayLater Usage and Consumptive Behavior. Interestingly, while financial literacy is generally expected to mitigate consumptive tendencies, it indirectly contributes to impulsive spending by encouraging the use of PayLater. PayLater Usage is identified as an intervening variable that strengthens the relationship between Financial Literacy and Consumptive Behavior, highlighting the role of convenience and perceived purchasing power in promoting consumption. Moreover, Self-Control negatively moderates the relationship between PayLater Usage and Consumptive Behavior, indicating that students with high self-control are less likely to exhibit impulsive spending despite using PayLater.
Co-Authors Abdur Rachman Alkaf Alvy Mulyaningtyas Andy Hendra Suryaka Arianto Liwang Arifin Sirfefa Duvan Hermansyah Yudi Astono Eddy Yunus Fany Meyranda Putri Fathur Rosi Ilya Farida Joko Iswandono Litafira Syahadiyanti Mar'atus Sholikhah Maria Agustini Maulida Jofa Dini Meykel Djuuna Miftha Choirul Akbar Mustika Winedar Nelvika Darlia Nova Adhitya Ananda Nur Sayidah Nur Sayidah Nur Sayidah Nur Sayidah Nur Sayidah Nur Sayidah Nur Sayidah Sahri Sahri Sri Susilowati Sukanti Swastikawati Sunarto Suratman Tomy Wibiksono Wahyu Widayati Yulius Sampouw