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MARATUS ZAHRO
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maratuszahro@stiesia.ac.id
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jiaku@stiesia.ac.id
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Jl. Menur Pumpungan No.30 Menur Pumpungan, Kec. Sukolilo Kota SBY, Jawa Timur 60118
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INDONESIA
Jurnal Ilmiah Akuntansi dan Keuangan (JIAKu)
Published by Sekolah Tinggi Ilmu Ekonomi Indonesia Surabaya
ISSN : 2963671X     EISSN : 2963671X     DOI : https://doi.org/10.24034/jiaku
Core Subject : Economy, Education, Social,
Economics, Econometrics & Finance Education Social Sciences
Jurnal Ilmiah Akuntansi dan Keuangan (JIAKu) is published by the Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya which was first published in April 2022. JIAKu published four times a year, in January, April, July and October. Articles published in JIAKu can be in the form of research articles or conceptual articles (non research). Jurnal Ilmiah Akuntansi dan Keuangan (JIAKu) invites manuscripts in the various topics include, but not limited to, functional areas of financial accounting, public sector accounting, management accounting, sharia accounting, forensic accounting, behavioral accounting, environmental accounting, tax accounting, social responsibility accounting, accounting for education, financial auditing, and accounting information system.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Akuntansi
Articles 1 Documents
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Search results for , issue "Vol 4 No 4 (2025)" : 1 Documents clear
STUDI PERILAKU KREDIT BERISIKO MAHASISWA DALAM PENGGUNAAN LAYANAN PAYLATER Neng Selviana; Zulkarnain
Jurnal Ilmiah Akuntansi dan Keuangan (JIAKu) Vol 4 No 4 (2025): Oktober
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24034/jiaku.v4i4.7437

Abstract

This study aims to analyze risky credit behavior among university students, focusing on the use of paylater. This behavior is measured through two main indicators: risky borrowing and risky paying. The study used an online survey distributed to 112 student respondents in Sukabumi. The results show that students in Sukabumi have a significant level of risky credit behavior, with the combined average score for the risky borrowing indicators being 57,44%. This behavior is manifested through a strong tendency to be tempted by discounts (67,68%), make impulsive purchases (54,46%), and use paylater without considering their ability to pay (50,18%). For the risky paying, it was found that for the tendency to be late in making payments was 48,57%, while for ignoring fines reached 50,71%. This indicates that a significant portion of students lack discipline in managing their debt obligations. Further analysis shows a significant difference based on gender, where female have higher scores on almost all risky behavior indicators, such as in impulsive purchases (57,46%) and the tendency to ignore fines (55,87%) compared to males. Therefore, it is suggested that university and financial service providers collaborate to improve students' financial literacy, concerning debt management and the consequences of irresponsible credit behavior.

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