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All Journal Studi Ilmu Manajemen dan Organisasi Journal of Infinity
Syara Purnama Sari
Sekolah Tinggi Ilmu Ekonomi Al-Madani, Lampung, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Analisis Faktor-Faktor yang Menentukan Minat Generasi Z Menggunakan PayLater pada Aplikasi Shopee di Provinsi Lampung Sinta Hidayanti; Ria Octavia; Syara Purnama Sari; Shafitranata Shafitranata
Jurnal Inovasi, Keuangan, Manajemen dan Akuntansi Vol 2 No 1 (2026): Jurnal Infinity Januari 2026
Publisher : Sekolah Tinggi Ilmu Ekonomi Al-Madani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65894/joinfinity.v2i1.26

Abstract

Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi minat Generasi Z dalam menggunakan layanan Shopee PayLater serta mengidentifikasi faktor yang paling dominan. Populasi dalam penelitian ini adalah Generasi Z di Provinsi Lampung dengan jumlah sampel sebanyak 100 responden. Metode pengambilan sampel yaitu non probability sampling dengan teknik purposive sampling. Data diolah dan dianalisis menggunakan software SPSS versi 25 untuk menguji karakteristik responden dan metode analisis data menggunakan uji Cochran Q Test. Hasil penelitian ini menunjukkan bahwa faktor-faktor yang paling dominan memengaruhi minat generasi z menggunakan PayLater pada aplikasi Shopee, diperoleh 4 butir pernyataan yaitu menggunakan PayLater saat berbelanja di Shopee, memberikan kemudahan dalam bertransaksi, mengikuti perkembangan fitur ini melalui media sosial atau sumber lainnya, mencari informasi tentang promo menarik. Dari 4 atribut tersebut terdapat faktor yang paling dominan dalam menentukan minat generasi z menggunakan PayLater pada aplikasi Shopee di Provinsi Lampung yang menjawab Ya sebanyak 94 Responden terkait Shopee PayLater dalam memberikan kemudahan transaksi.
Potensi Masalah Pinjaman Online Akibat Ilitrasi Keuangan : Indonesia Syara Purnama Sari; Lailatul Qodri
Studi Ilmu Manajemen dan Organisasi Vol 6 No 1 (2025): April
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/simo.v6i1.3870

Abstract

Purpose: The objectives of this study are: to examine the influence of financial literacy on financial attitudes, financial literacy on self-efficacy, financial attitudes on financial skills, self-efficacy on financial skills and financial skills on financial behavior. Methodology: This research is a quantitative research. The data source used in the research process is primary data. The population in this study is all Micro, Small and Medium Enterprises (MSMEs) in Lampung Province. Sampling in this study uses the purposive sampling method with the following criteria: 1. MSMEs that have been run for at least 6 months, 2. MSMEs that sell food and beverages, 3. MSMEs whose source of funds comes from online loans. Using the Slovin formula, the sample used was 200 respondents. Statistical tests use AMOS 24 with the Structural Equation Model (SEM) approach. Result: The results of the study showed that financial literacy had an effect on financial attitudes, financial literacy had an effect on self-efficacy, self-efficacy had an effect on financial skills and financial skills had an effect on financial behavior. While financial attitudes have no effect on financial skills. Conclusion: The Financial Literacy variable has an effect on the Financial Attitude variable, the Financial Literacy variable has an effect on the Self-Efficacy variable. Limitations:. The sample of this study is only limited to food and beverage MSMEs in Lampung Province, it is hoped that future research can use a wider and more sample. Contribution: The impact for MSMEs due to low financial illiteracy is difficulties in making financial statements, conducting financial records and managing debts. As a result, many MSMEs are often late in paying and are subject to fines. Even if MSMEs are unable to pay the loan, they will be included in the Financial Services Authority (OJK) blacklist.
Co-Authors Lailatul Qodri Ria Octavia Shafitra Nata Nata Sinta Hidayanti