Putri, Yohana Nandiva (2026) Pengaruh Literasi Keuangan terhadap Penggunaan PayLater dengan Locus of Control sebagai Variabel Mediasi pada Generasi Z di Surabaya. Undergraduate thesis, UPN Veteran Jawa Timur.
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Abstract
The convenience of Buy Now Pay Later (PayLater) financial services triggers consumptive transaction patterns if not managed properly, particularly among vulnerable groups such as Generation Z. Therefore, this study aims to examine and analyze the effect of financial literacy on the wise use of PayLater. In addition, this study also aims to explore in-depth the role of locus of control as a mediating variable on the effect of financial literacy on the wise use of PayLater among Generation Z college students in Surabaya City. This study uses a quantitative approach with an explanatory design. The target population includes active students characterized as Generation Z in the Accounting study program at State Universities (PTN) in the Surabaya region. The sampling technique applies the purposive sampling method, resulting in 123 selected respondents. Primary data collection was conducted through an online Likert-scale questionnaire instrument. The empirical data were then analyzed using the Structural Equation Modeling - Partial Least Squares (SEM-PLS) method with the support of SmartPLS software. The results of the statistical testing and discussion prove that financial literacy has a positive and significant effect on the wise use of PayLater and locus of control. Locus of control also has a positive and significant effect on the wise use of PayLater. Furthermore, the study confirms that locus of control significantly mediates the effect of financial literacy on the wise use of PayLater through complementary partial mediation. This implies that cognitive financial understanding is able to direct transaction behavior, but its effectiveness multiplies when supported by the strengthening of the self-control system (internal locus of control).
| Item Type: | Thesis (Undergraduate) | ||||||||
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| Subjects: | H Social Sciences > HF Commerce > HF5601 Accounting | ||||||||
| Divisions: | Faculty of Economic and Business > Departement of Accounting | ||||||||
| Depositing User: | Yohana Nandiva Putri | ||||||||
| Date Deposited: | 13 Jul 2026 03:03 | ||||||||
| Last Modified: | 13 Jul 2026 03:28 | ||||||||
| URI: | https://repository.upnjatim.ac.id/id/eprint/54968 |
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