Faktor-Faktor yang Mempengaruhi Propensity to Indebtedness Pengguna Shopee Paylater di Jakarta

Farrenlie, Jesslyn Mirabel
Pamungkas, Ary Satria

Jurnal Manajerial Dan Kewirausahaan
Vol. 6 No. 2 (2024): Jurnal Manajerial dan Kewirausahaan

Metode pembayaran PayLater kini kian populer disebabkan karena banyaknya masyarakat yang mulai beralih dari penggunaan kartu kredit ke layanan PayLater dan hal ini didominasi oleh Generasi Z. Kemudahan pembayaran yang disediakan oleh banyak e-commerce ini memicu pengguna untuk semakin melakukan pembelian yang tidak bijak dan akhirnya terjebak dalam kredit. Penelitian ini bertujuan untuk mengetahui pengaruh financial literacy, materialism, money value, dan compulsive buying terhadap propensity to indebtedness. Sampel yang diambil adalah 360 Generasi Z pengguna Shopee PayLater dan berdomisili di Jakarta. Data dikumpulkan melalui kuesioner dengan menggunakan teknik pengambilan sampel purposive sampling. Data yang terkumpul kemudian diolah menggunakan metode analisis data PLS-SEM. Hasil penelitian ini menunjukkan terdapat pengaruh negatif financial literacy terhadap propensity to indebtedness, terdapat pengaruh positif materialism terhadap propensity to indebtedness, dan terdapat pengaruh positif compulsive buying terhadap propensity to indebtedness. Namun, tidak terdapat pengaruh money value terhadap propensity to indebtedness. The PayLater payment method is becoming increasingly popular due to the fact that many people are starting to switch from using credit cards to PayLater services and this is dominated by Generation Z. The ease of payment provided by many e-commerce sites triggers users to increasingly make unwise purchases and eventually get stuck in credit. This study aims to determine the effect of financial literacy, materialism, money value, and compulsive buying on propensity to indebtedness. The samples taken was 360 Generation Z users of Shopee PayLater and domiciled in Jakarta. Data was collected through a questionnaire using a purposive sampling technique. The collected data was then processed using the PLS-SEM data analysis method. The results of this study indicate that there is a negative influence of financial literacy on propensity to indebtedness, there is a positive influence of materialism on propensity to indebtedness, and there is a positive influence of compulsive buying on propensity to indebtedness. However, there is no influence of money value on propensity to indebtedness.