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All Journal Menara Ilmu Community Engagement and Emergence Journal (CEEJ) Suluah Bendang: Jurnal Ilmiah Pengabdian Kepada Masyarakat Journal of Innovation in Educational and Cultural Research Jurnal Ilmiah Raflesia Akuntansi Jurnal Manajemen Stratejik dan Simulasi Bisnis Journal of Management and Social Sciences Financial Management Studies
Herlinda Fitri Febriyanti
Universitas Negeri Padang
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Social Sciences Transportation Other

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Pengaruh Literasi Keuangan, Gaya Hidup Konsumtif, dan Fear of Missing Out (FOMO) terhadap Penggunaan Utang pada Shopee PayLater Mahasiswa Universitas Negeri Padang Fahra Annisa; Herlinda Fitri Febriyanti
Journal of Management and Social Sciences Vol. 5 No. 1 (2026): Journal of Management and Social Sciences
Publisher : Sekolah Tinggi Ilmu Administrasi (STIA) Yappi Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimas.v5i1.2923

Abstract

This study aims to determine how financial literacy, a lifestyle characterized by excessive spending, and the fear of missing out (FOMO) influence the use of Shopee PayLater among students at Universitas Negeri Padang. A quantitative survey-based approach was employed. The study population consisted of Universitas Negeri Padang students who use the Shopee PayLater service, with a sample of 100 respondents selected via purposive sampling. Data were collected through questionnaires and analyzed using multiple linear regression with SPSS software (version 32). Prior to hypothesis testing, the research instruments underwent validity and reliability checks. Additionally, to assess the model's suitability, classical assumption tests—including normality, multicollinearity, and heteroscedasticity tests—were conducted. The results indicate that financial literacy has a significant positive effect on Shopee PayLater usage. A lifestyle involving excessive purchasing also has a significant positive impact on the use of the service. Similarly, FOMO exerts a significant positive influence on Shopee PayLater usage. Collectively, financial literacy, extravagant spending habits, and the fear of missing out significantly influence how Universitas Negeri Padang students use Shopee PayLater.
Co-Authors Arita, Sri Delfiani, Silvi Fahra Annisa Helga Nuri Honesty Irdha Yusra Irdhani Febrisanti Jefriyanto Jefriyanto Kartika Amalia Arundari Mohamad Shamil Ulwan Ridhaningsih, Fitria Rifaldo Rifaldo Ritonga, Mentari Silvi Delfiani