Anandra Gading (1), Sri Mardiana (2)
This study aims to analyze the effect of PayLater usage intensity and financial literacy on the consumptive behavior of Management students at Pamulang University. A quantitative approach with an associative design was employed, collecting data through questionnaires administered to students selected via purposive sampling. Data analysis included validity, reliability, classical assumption tests, multiple linear regression, t-tests, F-tests, and coefficient of determination analysis. The results indicate that PayLater usage intensity has a positive and significant effect on consumptive behavior, whereas financial literacy exerts a negative and significant effect. Simultaneously, both PayLater usage intensity and financial literacy significantly influence student consumptive behavior. These findings suggest that enhancing financial literacy serves as a vital effort to suppress consumptive behavior, while higher PayLater usage tends to escalate impulsive spending among students.
Darsono, S. N. A. C., Rizarda, M., & Johari, S. M. (2025). Fenomena Paylater di Kalangan Mahasiswa: Gaya Hidup, Sosial, dan Motivasi Hedonisme sebagai Pemicu Perilaku Konsumtif. Reviu Akuntansi Dan Bisnis Indonesia, 9(1), 125–138. https://doi.org/10.18196/rabin.v9i1.26015
Kotler, Philip., & Keller, K. Lane. (2016). Marketing management (15th edition). Pearson.
Kredivo, & Katadata Insight Center. (2024). Laporan Perilaku Pengguna PayLater Indonesia 2024. https://kredivocorp.com/wp-content/uploads/2024/06/Laporan-Perilaku-Pengguna-Paylater-Indonesia-2024-Kredivo.pdf
Meiliyandrie, L., Wardani, indah, & Anggadita, R. (2021). Konsep Diri Dan Konformitas Pada Perilaku Konsumtif Remaja. NEM. https://books.google.co.id/books?hl=id&id=mFY1EAAAQBAJ&ut m_source=chatgpt.com
Otoritas Jasa Keuangan. (2019). Strategi Nasional Literasi Keuangan Indonesia (SNLKI) 2013-2019 (Revisi 2017) .
Otoritas Jasa Keuangan. (2021). Strategi Nasional Literasi Keuangan Indonesia (SNLKI) 2021 - 2025.
Otoritas Jasa Keuangan. (2022). Kajian FinTech Lending dan Layanan Buy Now Pay Later (BNPL) di Indonesia.
Rahmawati, G. (2022). Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Perilaku Konsumtif Pengguna Shopee Paylatter Pada Generasi Millenial. Repository Politeknik Negeri Jakarta.
Rosyada, A., Istan, M., & Ranaswijaya, R. (2025). Pengaruh Penggunaan Shopee Paylatter dan Literasi Keuangan Terhadap Perilaku Konsumtif Mahasiswa Ekonomi Syariah. http://e-theses.iaincurup.ac.id/id/eprint/9160
Sugiyono. (2019). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Alfabeta.
Utomo, S. B., Hamka, H., Burhanuddin, B., Yuliantina, D., & Munizu, M. (2024). Pengaruh literasi keuangan, penggunaan shopee paylater dan life style terhadap perilaku konsumtif mahasiswa. Jurnal ilmiah edunomika.