Artikel Ilmiah : C1G021006 a.n. NADIA FEBRIANA
| NIM | C1G021006 |
|---|---|
| Namamhs | NADIA FEBRIANA |
| Judul Artikel | DETERMINANTS OF CONSUMPTION BEHAVIOUR ON THE USAGE OF SHOPEE PAYLATER AMONG FEB STUDENT AT UNIVERSITAS JENDERAL SOEDIRMAN |
| Abstrak (Bhs. Indonesia) | Penelitian ini membahas faktor-faktor yang memengaruhi perilaku konsumsi mahasiswa dalam menggunakan Shopee PayLater. Layanan ini banyak digunakan karena praktis dan fleksibel, tetapi jika tidak dikontrol dapat menyebabkan perilaku konsumtif dan masalah keuangan. Penelitian dilakukan pada 100 mahasiswa Fakultas Ekonomi dan Bisnis Universitas Jenderal Soedirman dengan metode analisis regresi. Hasil penelitian menunjukkan bahwa literasi keuangan, gaya hidup, pengendalian diri, dan uang saku secara bersama-sama memengaruhi perilaku konsumsi mahasiswa. Gaya hidup menjadi faktor paling berpengaruh, di mana mahasiswa yang mengikuti tren cenderung lebih boros. Pengendalian diri berpengaruh negatif, artinya semakin rendah pengendalian diri, semakin tinggi pengeluaran. Uang saku berpengaruh positif karena mahasiswa dengan uang saku lebih besar cenderung lebih sering berbelanja. Sementara itu, literasi keuangan tidak berpengaruh signifikan dalam menekan perilaku konsumtif. Kesimpulannya, perilaku konsumsi mahasiswa lebih dipengaruhi oleh gaya hidup, pengendalian diri, dan kondisi keuangan dibandingkan dengan pengetahuan keuangan saja. |
| Abtrak (Bhs. Inggris) | This study explores what influences students spending behavior when using Shopee PayLater, a paylater service that is popular because it is easy and flexible. However, excessive use can lead to overspending and financial problems, as shown by Indonesia’s rising non-performing loan rate of 9.7% in 2023. The study surveyed 100 students from the Faculty of Economics and Business at Universitas Jenderal Soedirman using quantitative regression analysis.The results show that financial literacy, lifestyle, self-control, and allowance together affect students consumption behavior, explaining 60% of the variation. Financial literacy does not significantly reduce impulsive buying. Lifestyle is the strongest factor, with trend-following and pleasure-seeking students spending more. Self-control has a negative effect, meaning weaker self-control leads to higher spending. Allowance has a positive effect, as students with more pocket money tend to spend more using Shopee PayLater. In conclusion, students spending behavior is influenced more by lifestyle, social pressure, self-control, and income than by financial knowledge alone. The findings suggest the need for better financial management awareness among students and stronger financial education programs at universities. |
| Kata kunci | Consumer behavior, Financial Literacy, Lifestyle, Self Control, Pocket Money. |
| Pembimbing 1 | Dr. Barokatuminalloh, S.E.,M.Sc |
| Pembimbing 2 | Indrawan Firdauzi, S.Pd.,M.Sc. |
| Pembimbing 3 | Dr. Kikin Windhani, SE. M.Ec., Dev |
| Tahun | 2026 |
| Jumlah Halaman | 17 |
| Tgl. Entri | 2026-01-15 10:07:38.541103 |