Published: 2025-06-01
Pengaruh Literasi Keuangan dan Kemudahan Paylater Terhadap Perilaku Keuangan Pada Generasi Z di Kota Bandung
DOI: 10.35870/jemsi.v11i3.4140
Downloads
Abstract
Technological advances from generation to generation have connected various aspects of life, including in terms of providing basic needs that can now be accessed more quickly. One of the impacts is the transformation of the function of money and the emergence of new payment methods such as paylater. Paylater is present as an alternative solution for individuals who have financial limitations but need goods or services instantly. This convenience, although it provides practical benefits, has the potential to trigger unhealthy financial behavior, especially among Generation Z who tend to be consumptive. The mismatch between income and expenses can lead to dependence on digital loans. Therefore, financial literacy skills are important to help individuals understand the risks and benefits of using paylater wisely. This study aims to determine the effect of financial literacy and the convenience of paylater on the financial behavior of Generation Z in Bandung City. This study uses a quantitative approach with a survey method through a questionnaire distributed to 100 Generation Z respondents who are active paylater users. The sampling technique uses purposive sampling. The results of the study indicate that both financial literacy and ease of paylater have a significant effect on financial behavior with a significance value of 0.000 (<0.05) and a calculated t value> t table (1.660). Data analysis techniques used include classical assumption tests, multiple linear regression, t tests, f tests, and coefficients of determination.
Keywords
Financial Literacy ; Ease of Payment ; Financial Behavior ; Generation Z
Article Information
This article has been peer-reviewed and published in the JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi). The content is available under the terms of the Creative Commons Attribution 4.0 International License.
-
Issue: Vol. 11 No. 3 (2025)
-
Section: Articles
-
Published: %750 %e, %2025
-
License: CC BY 4.0
-
Copyright: © 2025 Authors
-
DOI: 10.35870/jemsi.v11i3.4140
AI Research Hub
This article is indexed and available through various AI-powered research tools and citation platforms. Our AI Research Hub ensures that scholarly work is discoverable, accessible, and easily integrated into the global research ecosystem. By leveraging artificial intelligence for indexing, recommendation, and citation analysis, we enhance the visibility and impact of published research.
Faza Rahmania
Program Studi Manajemen, Universitas Teknologi Digital, Jl. Cibogo No. Indah 3, Mekarjaya, Kec. Rancasari, Kota Bandung, Jawa Barat 40000.
Rola Manjaleni
Program Studi Manajemen, Universitas Teknologi Digital, Jl. Cibogo No. Indah 3, Mekarjaya, Kec. Rancasari, Kota Bandung, Jawa Barat 40000.
-
Akbar, R. P., & Armansyah, R. F. (2023). Perilaku Keuangan Generasi Z Berdasarkan Literasi Keuangan, Efikasi Diri, Dan Gender. Jurnal Ilmiah Manajemen Dan Bisnis (JIMBis), 2(2), 107-124.
-
Amri, A. D., Al Fattahillah, A., Amanda, C., Putri, H. T. M., Adila, N., & Alkautsar, P. S. (2023). Pengaruh Penggunaan Paylater terhadap Sikap Konsumtif Mahasiswa Universitas Jambi dalam Perspektif Ekonomi Islam. Jurnal Ilmiah Universitas Batanghari Jambi, 23(1), 227-232. https://doi.org/10.33087/jiubj.v23i1.3168.
-
Empathanussa, D., & Hardiningrum, I. S. (2023). Pengaruh Penggunaan E-Commerce Dan Kualitas Produk Terhadap Keputusan Pembelian Di Marketplace Akan Produk-Produk Busana (Studi Kasus Mahasiswa Program Studi Manajemen UNISKA). Digital Bisnis: Jurnal Publikasi Ilmu Manajemen dan E-Commerce, 2(2), 69-94.
-
Fatmawati, F., & Lubis, A. S. (2020). Pengaruh perilaku kewirausahaan terhadap kemampuan manajerial pada pedagang pakaian pasar pusat pasar kota medan. Jurnal Muhammadiyah Manajemen Bisnis, 1(1), 1-10. https://doi.org/10.24853/jmmb.1.1.1-10.
-
Fernando, M. F. (2024). PENGARUH LAYANAN PAYLATER DAN LITERASI KEUANGAN TERHADAP PERILAKU KEUANGAN PADA GENERASI MILENIAL DI KOTA YOGYAKARTA. Jurnal Riset Manajemen Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha Program Magister Manajemen, 11(2), 141-155. https://doi.org/10.32477/jrm.v11i2.1016.
-
Gunawan, A., Pirari, W. S., & Sari, M. (2020). Pengaruh literasi keuangan dan gaya hidup terhadap pengelolaan keuangan mahasiswa prodi manajemen Universitas Muhammadiyah Sumatera Utara. Jurnal Humaniora: Jurnal Ilmu Sosial, Ekonomi Dan Hukum, 4(2), 23-35. https://doi.org/10.30601/humaniora.v4i2.1196.
-
Gunawan, I. (2016). Metode penelitian kuantitatif. Retrieved June, 7, 2017.
-
Indri, F. Z., & Putra, G. H. (2022). Pengaruh Ukuran Perusahaan Dan Konsentrasi Pasar Terhadap Kualitas Laporan Keuangan Pada Perusahaan Sektor Industri Barang Konsumsi Yang Terdaftar Di Bursa Efek Indonesia Pada Tahun 2016-2020. Jurnal Ilmu Manajemen, Ekonomi Dan Kewirausahaan, 2(2), 236-252. https://doi.org/10.55606/jimek.v2i2.242.
-
Jabat, D. E. B., Tarigan, L. L., Purba, M., & Purba, M. (2022). Pemanfaatan platform e-commerce melalui marketplace sebagai upaya peningkatan penjualan. Skylandsea Profesional Jurnal Ekonomi, Bisnis Dan Teknologi, 2(2), 16-21.
-
Jailani, M. S. (2023). Teknik pengumpulan data dan instrumen penelitian ilmiah pendidikan pada pendekatan kualitatif dan kuantitatif. IHSAN: Jurnal Pendidikan Islam, 1(2), 1-9. https://doi.org/10.61104/ihsan.v1i2.57.
-
Keuangan, O. J. (2017). Literasi Keuangan. Otoritas Jasa Keuangan.
-
Noviani, A. (2021). Pengaruh literasi Keuangan dan gaya Hidup terhadap perilaku keuangan mahasiswa manajemen Universitas islam Riau (Doctoral dissertation, Universitas Islam Riau).
-
Putri, D. R., Azis, A. D., & Rizqi, M. N. (2023). Analisis Rasio Keuangan Dan Financial Distress Sebelum Dan Sesudah Covid-19 Subsector Food and Beverage. Jurnal Maneksi (Management Ekonomi Dan Akuntansi), 12(3), 564-572. https://doi.org/10.31959/jm.v12i3.1727.
-
Putrie, R. M., Ratumbuysang, M. F. N. G., Rizky, M., & Setiawan, A. (2024). Dampak Literasi Keuangan, Gaya Hidup Hedonis, dan Locus of Control Terhadap Perilaku Keuangan Mahasiswa Universitas Lambung Mangkurat. Jurnal Pendidikan Ekonomi (JUPE), 12(3), 365-374. https://doi.org/10.26740/jupe.v12n3.p365-374.
-
Rahmania, F., Khoeriyah, S. S. A., Rais, S., & Purwoko, S. D. (2024). Analisis Manfaat Pengadaan Barang dan Jasa Dengan Menggunakan Metode E-Procurement. Jurnal Ilmiah Research Student, 1(4). https://doi.org/10.61722/jirs.v1i4.887.
-
Restike, K. P., Prasasti, D., Fitriani, D. I., & Ciptani, M. K. (2024). Pengaruh Literasi Keuangan, Perilaku Pembelian Impulsif, Dan Gaya Hidup Terhadap Penggunaan Shopee Paylater Gen Z. Jurnal Akuntansi Bisnis, 22(1), 100-113.
-
Rosariana, B. (2021). Generasi “Milenial” Dan Generasi “Kolonial.” Kementerian Keuangan Republik Indonesia. Retrieved February, 10, 2023.
-
Sanaky, M. M. (2021). Analisis faktor-faktor keterlambatan pada proyek pembangunan gedung asrama MAN 1 Tulehu Maluku Tengah. Jurnal Simetrik, 11(1), 432-439. https://doi.org/10.31959/js.v11i1.615.
-
Sehangunaung, G. A., Mandey, S. L., & Roring, F. (2023). Analisis Pengaruh Harga, Promosi dan Kualitas Pelayanan terhadap Pengguna Aplikasi Lazada di Kota Manado. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 11(3), 1-11.
-
Statistik, B. P. (2024). Perkembangan Jumlah Kendaraan Bermotor Menurut Jenis (Unit) 2021-2022. diakses pada https://www. bps. go. id/id/statistics-table/2. NTcjMg==/perkembangan-jumlah-kendaraan-bermotor-menurut-jenis--unit-. html tanggal, 18.
-
Wahyuni, U. S., & Setiawati, R. (2022). Pengaruh literasi keuangan dan gaya hidup terhadap perilaku keuangan generasi Z di Provinsi Jambi. Jurnal Dinamika Manajemen, 10(4), 164-175.
-
Wibowo, R. A., & Kurniawan, A. A. (2020). Analisis Korelasi Dalam Penentuan Arah Antar Faktor Pada Pelayanan Angkutan Umum Di Kota Magelang. Theta Omega: Journal of Electrical Engineering, Computer and Information Technology, 1(2), 45-50.
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
1. Copyright Retention and Open Access License
Authors retain copyright of their work and grant the journal non-exclusive right of first publication under the Creative Commons Attribution 4.0 International License (CC BY 4.0).
This license allows unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
2. Rights Granted Under CC BY 4.0
Under this license, readers are free to:
- Share — copy and redistribute the material in any medium or format
- Adapt — remix, transform, and build upon the material for any purpose, including commercial use
- No additional restrictions — the licensor cannot revoke these freedoms as long as license terms are followed
3. Attribution Requirements
All uses must include:
- Proper citation of the original work
- Link to the Creative Commons license
- Indication if changes were made to the original work
- No suggestion that the licensor endorses the user or their use
4. Additional Distribution Rights
Authors may:
- Deposit the published version in institutional repositories
- Share through academic social networks
- Include in books, monographs, or other publications
- Post on personal or institutional websites
Requirement: All additional distributions must maintain the CC BY 4.0 license and proper attribution.
5. Self-Archiving and Pre-Print Sharing
Authors are encouraged to:
- Share pre-prints and post-prints online
- Deposit in subject-specific repositories (e.g., arXiv, bioRxiv)
- Engage in scholarly communication throughout the publication process
6. Open Access Commitment
This journal provides immediate open access to all content, supporting the global exchange of knowledge without financial, legal, or technical barriers.