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All Journal Jurnal Riset Ilmu Akuntansi Journal of University Community Engagement
Natasya, Syafiqah Fitri
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Economics, Econometrics & Finance

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PENGARUH LITERASI KEUANGAN, MANFAAT SHOPEEPAY LATER, DAN PENGGUNAAN SHOPEEPAYLATER TERHADAP PERILAKU KEUANGAN GENERASI Z : STUDI PADA UIN SUNAN AMPEL SURABAYA Natasya, Syafiqah Fitri; Nawangsari, Ajeng Tita
Jurnal Riset Ilmu Akuntansi Vol. 7 No. 1 (2026): Volume 7 Nomor 1 Tahun 2026: Maret 2026
Publisher : Program Studi Akuntansi Universitas Flores

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37478/jria.v7i1.6870

Abstract

This study examines the influence of financial literacy, perceived benefits of ShopeePayLater, and the frequency of ShopeePayLater usage on the financial behavior of Generation Z students at UIN Sunan Ampel Surabaya. The study is motivated by the rapid growth of Buy Now Pay Later (BNPL) services in Indonesia, where ShopeePayLater is the most widely used platform with an adoption rate of about 89% among e-commerce users. The rising popularity of this service among students has raised concerns about impulsive spending and default risks. According to PT Pefindo Credit Bureau (2023), from total national non-performing loans of IDR 2.12 trillion, around IDR 460 billion (21.7%) originated from Generation Z—the most active paylater users. This study applies a quantitative approach using a survey of 228 active Generation Z students at UIN Sunan Ampel Surabaya who have used ShopeePayLater. The sampling technique is purposive sampling, and data are analyzed using the Partial Least Squares (PLS) method. The results show that: (1) financial literacy positively and significantly affects financial behavior (t = 5.83; p = 0.000), indicating better management with higher literacy; (2) perceived benefits of ShopeePayLater negatively and significantly affect financial behavior (t = 3.14; p = 0.002), suggesting greater usefulness encourages consumptive behavior; and (3) ShopeePayLater usage negatively affects financial behavior (t = 4.31; p = 0.000). Theoretically, this study strengthens the Financial Literacy Framework and Technology Acceptance Model (TAM) in explaining young consumers’ financial behavior in the digital era.
Pemberdayaan Masyarakat melalui Pendekatan Participatory Action Research (PAR) dalam Pengelolaan Lingkungan dan Penguatan Ekonomi Desa Kembang, Bondowoso Auliya, Febi Rahma; Natasya, Syafiqah Fitri; Maziana, Ilma Luthfia; Agustin, Yara Sabin; Himami, Fatikul
Journal of University Community Engagement Vol. 2 No. 1 (2026): December
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/juce.v2i1.114

Abstract

This article discusses a Participatory Action Research (PAR)-based community empowerment model integrating environmental management and local economic development in Kembang Village, Tlogosari District, Bondowoso Regency. The program addressed two main issues: inadequate household waste management and limited marketing of local MSME products. The study employed the PAR approach supported by Participatory Rural Appraisal (PRA) techniques, including assessment, mapping, transect, problem tree analysis, Venn diagrams, and Focus Group Discussions (FGDs). All stages involved the village government, PKK, BUMDes, MSME actors, and local communities. The results produced two priority programs: the construction of a incinerator as an appropriate technology for biomass waste management and the development of digital marketing through the BUMDes Shopee store. These initiatives enhanced community participation in environmental management, strengthened village institutions, and expanded market access for local MSME products. The integrated PAR model demonstrates the potential to support sustainable rural development through collaborative environmental and economic empowerment.
Co-Authors Agustin, Yara Sabin Ajeng Tita Nawangsari Auliya, Febi Rahma Himami, Fatikul Maziana, Ilma Luthfia