Retnaningrum, Kartika (2025) Pengaruh Financial Literacy, Financial Attitude, Dan Perceived Risk Terhadap Financial Management Behavior Dalam Penggunaan Buy Now Pay Later (BNPL) (Studi Kasus: Gen Z Dan Milenial Di Surabaya). Undergraduate thesis, UPN "Veteran Jawa Timur".
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Abstract
ABSTRAK Penelitian ini bertujuan menganalisis pengaruh financial literacy, financial attitude dan perceived risk terhadap financial management behavior pengguna BNPL melalui pendekatan kuantitatif. Populasi penelitian mencakup Generasi Z dan Milenial (20–34 tahun) pengguna BNPL di Surabaya. Teknik pengambilan sampel yang digunakan yaitu random sampling dan diperoleh 166 responden. Data dikumpulkan melalui kuesioner online (Google Form), kemudian dianalisis menggunakan Partial Least Square Structural Equation Modeling (PLS-SEM). Hasil penelitian mengungkapkan bahwa financial literacy, financial attitude dan perceived risk berpengaruh terhadap financial management behavior pada pengguna BNPL di kalangan generasi Z dan Milenial Surabaya. Semakin baik financial literacy, financial attitude dan perceived risk maka akan mendorong financial management behavior yang lebih rasional, bijaksana dan terkendali saat memanfaatkan BNPL. Kontribusi penelitian ini memperkaya literatur terkait penerapan financial management behavior yang bijak dalam penggunaan BNPL dan memberikan masukan bagi pemerintah maupun penyedia layanan untuk perumusan regulasi yang mendukung efektivitas pengembangan fintech BNPL. Kata Kunci : Financial Management Behavior, Financial Literacy, Financial Attitude, Perceived Risk, Buy Now Pay Later. ABSTRACT This study aims to analyze the influence of financial literacy, financial attitudes, and perceived risk on the financial management behavior of BNPL users through a quantitative descriptive approach. The study population includes Generation Z and Millennials (aged 20–34) who are BNPL users in Surabaya. The sampling technique employed was random sampling, resulting in 166 respondents. Data was collected via an online questionnaire (Google Form) and analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM). The study results revealed that financial literacy, financial attitudes, and perceived risk influence financial management behavior among BNPL users in the Generation Z and Millennial populations in Surabaya. The better the financial literacy, financial attitudes, and perceived risk, the more it encourages rational, wise, and controlled financial management behavior when utilizing BNPL. This research contributes to the literature on the application of prudent financial management behavior in the use of BNPL and provides input for the government and service providers in formulating regulations that support the effective development of BNPL fintech. Keywords : Financial Management Behavior, Financial Literacy, Financial Attitude, Perceived Risk, Buy Now Pay Later.
| Item Type: | Thesis (Undergraduate) | ||||||||
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| Subjects: | H Social Sciences > HF Commerce > HF5601 Accounting H Social Sciences > HG Finance > HG4001-4285 Finance management. Business finance. Corporation finance |
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| Divisions: | Faculty of Economic > Departement of Accounting | ||||||||
| Depositing User: | Kartika Retnaningrum Utomo | ||||||||
| Date Deposited: | 18 Jun 2025 03:48 | ||||||||
| Last Modified: | 18 Jun 2025 03:48 | ||||||||
| URI: | https://repository.upnjatim.ac.id/id/eprint/38290 |
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