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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Fitriyana, Amaliya
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Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Pengaruh Literasi Keuangan, Gaya Hidup Hedonis, dan Self-Control Terhadap Perilaku Konsumtif Pengguna Shopee Paylater Fitriyana, Amaliya; Nur Chasanah, Amalia; Jati Kusuma, Pradana; Santi Samasta, Almira
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 3 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i3.11158

Abstract

This study aims to examine financial analysis, hedonic lifestyle, and self-control on the consumer behavior of Shopee Paylater users. The rapid development of e-commerce in Indonesia has also increased BNPL services, especially the Shopee Paylater platform, among Generation Z in Semarang City. The study used an associative quantitative approach implementing purposive sampling and online data presentation, and the data was processed using Smart PLS 3, with analysis using SEM-PLS techniques. The results showed that financial literacy and self-control had a negative and significant effect on consumer behavior, while a hedonic lifestyle had a positive and significant effect. The results prove that optimizing financial literacy and self-control skills play a significant role in reducing consumer behavior among Paylater service users.
Co-Authors Chasanah, Amalia Nur Jati Kusuma, Pradana Santi Samasta, Almira