Article Per Year (5 Year)
p-Index From 2020 - 2025
2.307
P-Index
This Author published in this journals
All Journal JPAP (Jurnal Penelitian Administrasi Publik) (e-Journal) Jurnal Keperawatan Widya Gantari Indonesia Jurnal Ilmiah Manajemen Kesatuan Nursing Sciences Journal Journal of Applied Veterinary Science and Technology JOURNAL OF COMMUNITY ENGAGEMENT AND EMPOWERMENT Nursing and Health Sciences Journal (NHSJ) Jurnal Manajemen Perbankan Keuangan Nitro JURNAL SABHANGA Golden Ratio of Data in Summary Journal of Scientific Research, Education, and Technology PESIRAH: Jurnal Administrasi Publik Jurnal Teknik Sipil Pertahanan Cigarskruie
SUJATMIKO
Unknown Affiliation
Religion Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Medicine & Pharmacology Neuroscience Nursing Public Health Social Sciences Veterinary Other

Published : 17 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : Jurnal Ilmiah Manajemen Kesatuan

 1 
Paylater Adoption as a Mediator Between Financial Literacy, Risk Perception, and Financial Behavior Sujatmiko; Kausar, Al
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 3 (2025): JIMKES Edisi Mei 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i3.3248

Abstract

Technology-based financial services, such as paylater, are increasingly popular in Indonesia as a payment flexibility solution for consumers. However, the level of financial literacy and risk perception are key factors influencing the adoption of these services. This study aims to analyze the influence of financial literacy, risk perception, and paylater adoption on consumer financial behavior in Makassar using the Theory of Planned Behavior (TPB) approach. Data were collected through a survey of 100 respondents who had used paylater services for the past six months. The results showed that financial literacy had a significant influence on paylater adoption (coefficient 0.759; p < 0.001) and financial behavior (through mediation of paylater adoption). Paylater adoption also had a significant influence on financial behavior (coefficient 0.358; p = 0.026). Meanwhile, risk perception influenced paylater adoption (coefficient 0.181; p = 0.018), but did not directly influence financial behavior. This study emphasizes the importance of financial literacy in increasing consumer awareness of the risks and benefits of paylater services. These findings provide insights for financial service providers to improve consumer education to encourage responsible adoption.
Co-Authors A Syahrul Makkuradde Aditiawan Wisnu Susilo Putra Agni, Agasi Akir, Akir Amir, Yurni Sari Angdy Ayu Mustika Cucuk Suwandi Engki Zelpina Giovanni Iga Firmanda Ilahi, Yusra Isnaeni, Ely Jan Tarigan Kausar, Al Lukis, Prima Agusti Mali, Matheus Gratiano Nasir Hamzah, Muhammad Nur Pratiwi, Wahyu Oktaffrastya W. Septafani Oktovianus Sauw Putri, Ii Amelia Renny Mointi Rita Dewi Sunarno Saputra, Hendra Lana Septina Margareta, Sheylla Shella Mangga Trusilawati Sheylla Septina Margareta Sriastutik, Wahyu Suliha Titiek Endah Puspa Rini Wahyu Nur Pratiwi Wahyu Sri Astutik Yuan Guruh Pratama Yuni Kurniasih