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All Journal Ekomania International Journal of Accounting Innovation
Malludin
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Economics, Econometrics & Finance Other

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PENGARUH PEMAHAMAN LITERASI KEUANGAN DAN PENGGUNAAN PAYLATER TERHADAP PERILAKU IMPULSIVE BUYING BAGI PENGGUNA E-COMMERCE DI KALANGAN GENERASI Z Putri, Natasha; Wany, Eva; Malludin
Ekomania Vol. 11 No. 2 (2024): Desember 2024
Publisher : Ekomania

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29062/ekomania.v11i2.99

Abstract

This research aims to analyze the impact of the Using paylater as a payment method can change people's lifestyles, especially among generation Z who were born in 1995-2010. Paylater payment method offers can attract generation Z who basically have an understanding in the latest technology. Besides that, the majority of generation Z still do not have an income. However, they have a high desire to shop using PayLater. It is not impossible for generation Z to be able to use paylater wisely, but most of them have difficulty managing paylater bills. Therefore, the aim of this research is to review the influence of financial literacy and the use of paylaters on impulsive buying behavior among generation Z. By using 50 generation Z respondents at the Faculty of Economics and Business, Wijaya Kusuma University, Surabaya, the results showed that financial literacy and impulsive buying behavior has a significant influence among generation Z. Meanwhile, the use of paylater has no effect on impulsive buying behavior among generation Z.
THE INFLUENCE OF FINANCIAL LITERACY, LIFESTYLE, AND INCOME ON THE FINANCIAL BEHAVIOR OF ACCOUNTING STUDENTS AT WIJAYA KUSUMA UNIVERSITY SURABAYA Maharani, Kendra Dima Puspa; Wany, Eva; Malludin
International Journal of Accounting Innovation Vol. 1 No. 1 (2025): February
Publisher : PT ANTIS INTERNATIONAL PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61796/ijai.v1i1.6

Abstract

Objective: This study aims to examine the influence of financial literacy, lifestyle, and income on the financial behavior of accounting students at Wijaya Kusuma University Surabaya. It seeks to determine the extent to which these factors contribute to shaping students' financial decision-making and management practices, highlighting the role of financial literacy in fostering responsible financial behavior. Methods: The research adopts a quantitative approach, utilizing primary data collected through questionnaires distributed via Google Forms. A sample of 44 accounting students was selected using the judgment sampling method. Data collection employed a Likert scale to measure variables, and the analysis was conducted using SmartPLS 4.0 software to test the relationships between financial literacy, lifestyle, income, and financial behavior. Results: The analysis reveals that financial literacy (X1) positively influences financial behavior (Y), indicating that students with higher financial literacy demonstrate better financial decision-making. Conversely, lifestyle (X2) and income (X3) do not significantly affect financial behavior. These findings suggest that financial behavior is more strongly linked to knowledge and understanding of financial principles rather than lifestyle choices or income levels. Novelty:  This research contributes to the understanding of financial behavior among university students by emphasizing the critical role of financial literacy. Unlike many studies that focus on broader populations, this study specifically examines accounting students, who are presumed to have some foundational knowledge of finance. The findings highlight gaps in the influence of lifestyle and income, providing a basis for further exploration of external factors and educational interventions.
Co-Authors Eva Wany, Eva Maharani, Kendra Dima Puspa PUTRI, NATASHA