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All Journal International Journal of Economy, Education and Entrepreneurship (IJE3) Winter Journal: IMWI Student Research Journal Jurnal Ilmiah Akuntansi dan Keuangan (JIAKu)
Neng Selviana
Universitas Sains Indonesia
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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FINANCIAL STRESS AND ITS IMPACT ON RISKY CREDIT BEHAVIOUR: EVIDENCE FROM GENERATION Z PAYLATER USERS IN SUKABUMI Selviana, Neng; Zulkarnain, Zulkarnain
International Journal of Economy, Education and Entrepreneurship (IJE3) Vol. 5 No. 3 (2025): International Journal of Economy, Education and Entrepreneurship
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/ije3.v5i3.414

Abstract

This study aims to examine the effect of financial stress on risky credit behaviour among Generation Z paylater users in Sukabumi City. A quantitative method was applied using a questionnaire distributed to 397 respondents. The data were analysed using multiple linear regression with SPSS 27. The results show that financial stress has a positive and significant effect on risky credit behaviour. This means that individuals experiencing higher financial stress tend to make impulsive financial decisions, such as borrowing excessively or delaying payments. The coefficient of determination (R²) value of 0.173 indicates that financial stress explains 17.3% of the variation in risky credit behaviour, while other factors explain the rest. This finding highlights the importance of managing financial pressure to prevent irresponsible credit usage among Generation Z in the digital era.
STUDI PERILAKU KREDIT BERISIKO MAHASISWA DALAM PENGGUNAAN LAYANAN PAYLATER Neng Selviana; Zulkarnain
Jurnal Ilmiah Akuntansi dan Keuangan (JIAKu) Vol 4 No 4 (2025): Oktober
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24034/jiaku.v4i4.7437

Abstract

This study aims to analyze risky credit behavior among university students, focusing on the use of paylater. This behavior is measured through two main indicators: risky borrowing and risky paying. The study used an online survey distributed to 112 student respondents in Sukabumi. The results show that students in Sukabumi have a significant level of risky credit behavior, with the combined average score for the risky borrowing indicators being 57,44%. This behavior is manifested through a strong tendency to be tempted by discounts (67,68%), make impulsive purchases (54,46%), and use paylater without considering their ability to pay (50,18%). For the risky paying, it was found that for the tendency to be late in making payments was 48,57%, while for ignoring fines reached 50,71%. This indicates that a significant portion of students lack discipline in managing their debt obligations. Further analysis shows a significant difference based on gender, where female have higher scores on almost all risky behavior indicators, such as in impulsive purchases (57,46%) and the tendency to ignore fines (55,87%) compared to males. Therefore, it is suggested that university and financial service providers collaborate to improve students' financial literacy, concerning debt management and the consequences of irresponsible credit behavior.
Gen Z’s Risky Credit Behavior: A Study of Paylater Usage Among Employees Zulkarnain Zulkarnain; Neng Selviana
Winter Journal: IMWI Student Research Journal Vol. 7 No. 2 (2026): Winter Journal: IMWI Student Research Journal
Publisher : Institut Manajemen Wiyata Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52851/wt.v7i2.119

Abstract

The rapid expansion of PayLater services has increased financial flexibility among young consumers while also raising concerns about risky credit behavior, particularly among Generation Z employees. This study aimed to describe risky credit behavior among Gen Z employees who use PayLater services in Sukabumi City and to identify behavioral differences based on gender. A descriptive quantitative approach was applied to 152 Gen Z employees selected as respondents. Data were collected through structured questionnaires measuring two dimensions: risky borrowing behavior and risky payment behavior. The findings revealed that respondents demonstrated notable risky borrowing patterns, including using PayLater without adequately considering repayment capacity (score 58.16), purchasing unnecessary items due to transaction convenience (56.84), and being strongly influenced by large discount offers (68.29). Risky payment behavior was also identified through late bill payments (55.00) and limited consideration of penalties resulting from delayed payments (55.39). Gender differences were observed, with women generally showing higher tendencies toward risky borrowing and greater disregard for late-payment penalties, whereas men demonstrated slightly higher tendencies for delayed payments. These findings indicate that convenience, promotional incentives, impulsive consumption behavior, and weak repayment discipline contribute to risky PayLater usage. The study concluded that strengthening financial literacy, improving self-control, and establishing clearer consumer protection mechanisms are necessary to encourage healthier credit behavior among Gen Z employees.
Co-Authors Zulkarnain Zulkarnain