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Edy Suryadi
Universitas Muhammadiyah Pontianak, Pontianak, Indonesia
Economics, Econometrics & Finance

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The Influence of Financial Behavior, Income, and Risk on the Use of Shopee PayLater among the People of Singkawang City with Locus of Control as a Moderating Variable Elfi Hiddaryah; Edy Suryadi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.8029

Abstract

This study aims to analyze the influence of financial behavior, income, and risk on the use of Shopee PayLater services in Singkawang City, with locus of control serving as a moderating variable. The research employs an associative quantitative approach. A total of 150 active Shopee PayLater users were selected as respondents using purposive sampling. The research instruments were tested for validity and reliability, followed by data analysis through multiple linear regression and Moderated Regression Analysis (MRA). The results indicate that financial behavior and income have a significant positive effect on the use of Shopee PayLater, while risk does not show a significant influence. Locus of control is proven to moderate the relationship between financial behavior and income with the use of Shopee PayLater, but it does not moderate the relationship between risk and the use of the service. These findings suggest that individuals with a high level of self-control tend to use digital credit services more wisely. This study offers a meaningful contribution to understanding the psychological and financial factors that influence consumer behavior in using digital financial services in the era of financial technology.
The Influence of Financial Knowledge, Financial Attitude, and Financial Inclusion on Financial Management Behavior Among F&B MSME Actors in Pontianak Rangga Adrianur; Edy Suryadi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the influence of financial knowledge, financial attitude, and financial inclusion on financial management behavior among F&B MSME actors in Pontianak City. The research employs a quantitative associative method involving 150 respondents, with data analyzed using multiple linear regression in SPSS 25. The results show that the model is significant (F = 341.453; Sig. 0.000) with a strong relationship (R = 0.936) and high explanatory power (R² = 0.875). Partially, financial knowledge (t = 7.365; Sig. 0.000) and financial inclusion (t = 4.413; Sig. 0.000) have a positive and significant effect on financial management behavior, while financial attitude has no significant effect (t = 0.447; Sig. 0.642). In conclusion, enhancing financial literacy and access to financial services can improve the financial behavior of MSME owners. Future research is recommended to include additional variables such as self-control or social norms, expand the study to other sectors or regions, and adopt a longitudinal design to capture behavioral dynamics over time.
Co-Authors Elfi Hiddaryah Rangga Adrianur