Sabrina, Nadia Putri (2026) PENGARUH FINANCIAL DISTRESS, FINANCIAL LITERACY, DAN LIFESTYLE TERHADAP KEPUTUSAN PENGGUNAAN PAYLATER (STUDI KASUS MAHASISWA AKUNTANSI UPN “VETERAN” JAWA TIMUR). Undergraduate thesis, UPN Veteran Jawa Timur.
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Abstract
This study aims to examine the influence of financial distress, financial literacy, and lifestyle on the decision to use Paylater among accounting students at UPN "Veteran" East Java. The increasing use of digital financial services, especially Paylater among the younger generation, makes it important to understand the factors that influence their usage decisions. This study used a quantitative approach with a survey method with 91 respondents selected through simple random sampling. The data used in this study were primary data by distributing online questionnaires. The analysis technique used was SEM-PLS with the assistance of Smartpls 4 software. The results of this study indicate that financial distress, financial literacy, and lifestyle have a positive and significant influence on the decision to use Paylater.
| Item Type: | Thesis (Undergraduate) | ||||||||
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| Subjects: | H Social Sciences > HG Finance > HG1706-1708 Accounting. Bookkeeping | ||||||||
| Divisions: | Faculty of Economic and Business > Departement of Accounting | ||||||||
| Depositing User: | Nadia Putri Sabrina | ||||||||
| Date Deposited: | 22 May 2026 06:34 | ||||||||
| Last Modified: | 22 May 2026 06:34 | ||||||||
| URI: | https://repository.upnjatim.ac.id/id/eprint/52145 |
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