Berlianti, Selvina Novantia (2023) Pengaruh Literasi Keuangan, Locus of Control dan Gaya Hidup Terhadap Perilaku Keuangan Pengguna Peer to Peer Lending Paylater di Kota Surabaya. Undergraduate thesis, UPN Veteran Jawa Timur.
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Abstract
With the increasing use of the Internet in society, a lot of change has taken place in one of the economic aspects. It is seen from the shift of the transaction system from cash to non-cash transactions even today e-commerce is increasingly competing to provide features of ease of payment using paylater. Paylater is the latest payment system issued by ecommerce where one can shop whatever is currently paid in later days (beli sekarang bayar nanti). But with this ease, people are becoming more consumer. The aim of this research is to find out the influence of financial literacy, locus of control and lifestyle on the financial behavior of peer to peer lending paylater users in Surabaya City. The research using this quantitative method uses a population of paylater users across e-commerce applications in Surabaya. Sample determination using the Cochran method so that a sample of 100 people was taken using the non-probability sampling method with purposisve samplings. The data collection method is done by spreading the questionnaire online and measured using the Likert scale. The analysis used is Partial Least Square (PLS). The results of this study show that financial literacy variables, locus of control and lifestyle influence the financial behavior of paylater users in Surabaya. The better the level of financial literacy, the locus of control, and the lifestyle a paylater user has, the better the financial behavior in using it. Keywords: Financial Literacy; Lifestyle; Locus of Control
| Item Type: | Thesis (Undergraduate) | ||||||||
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| Subjects: | H Social Sciences > HG Finance > HG4001-4285 Finance management. Business finance. Corporation finance | ||||||||
| Divisions: | Faculty of Economic > Departement of Management | ||||||||
| Depositing User: | Selvina Novantia Berlianti | ||||||||
| Date Deposited: | 11 Dec 2023 06:42 | ||||||||
| Last Modified: | 11 Dec 2023 06:42 | ||||||||
| URI: | http://repository.upnjatim.ac.id/id/eprint/18971 |
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