Muchtarisa, Takiya (2025) PENGARUH LITERASI KEUANGAN, FINANCIAL PLANNING, DAN PRILAKU KONSUMTIF TERHADAP PENGGUNAAN BUY NOW PAYLATER (BNPL) PADA MAHASISWA PROGRAM STUDI MANAJEMEN UNIVERSITAS 17 AGUSTUS 1945 SURABAYA. Undergraduate thesis, Universitas 17 Agustus 1945 Surabaya.
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Abstract
Penelitian ini bertujuan untuk menganalisa dan membuktikan variabel Literasi Keuangan, Financial Planning, dan Perilaku Konsumtif terhadap Penggunaan Buy Now Paylater (BNPL) pada mahasiswa Program Studi Manajemen Universitas 17 Agustus 1945 Surabaya. Penelitian ini menggunakan metode kuantitatif dengan jumlah sampel 100 mahasiswa yang pernah menggunakan layanan PayLater, menggunakan teknik pengambilan sampel dengan pendekatan purposive sampling. Penelitiaan ini menggunakan metode instrument berupa kuesioner berskala Likert, dan analisis data dilakukan melalui uji validitas, uji reliabilitas, uji asumsi klasik, regresi linier berganda, uji t (parsial), serta uji F (simultan) untuk mengetahui besarnya pengaruh masing-masing variabel terhadap penggunaan Buy Now Paylater (BNPL). Hasil penelitian menunjukkan bahwa Literasi Keuangan memiliki pengaruh signifikan terhadap Penggunaan BNPL, dibuktikan dengan nilai (t hitung = 3.400 > t tabel 1,66) pada nilai signifikansi 0,000 < 0,05, sehingga menunjukkan bahwa semakin tinggi literasi keuangan mahasiswa, semakin bijak mereka dalam memanfaatkan layanan PayLater. Variabel Financial Planning juga berpengaruh signifikan, (t hitung = 7.523 > t tabel 1,66) pada nilai signifikansi 0,000 < 0,05 bahwa kemampuan mahasiswa dalam merencanakan keuangan berdampak pada penggunaan layanan Buy Now Paylater secara terkontrol. Perilaku Konsumtif juga berpengaruh signifikan terhadap penggunaan Buy Now Paylater (t hitung = 12.424 > t tabel 1,66) pada nilai signifikansi 0,000 < 0,05 , di mana semakin tinggi sifat konsumtif mahasiswa, semakin besar kecenderungan mereka menggunakan layanan kredit digital tersebut. Secara simultan, ketiga variabel Literasi Keuangan, Financial Planning, dan Perilaku Konsumtif memiliki pengaruh signifikan terhadap Penggunaan BNPL, dibuktikan melalui uji F menunjukkan bahwa nilai F hitung sebesar 61.814 > dari F tabel sebesar 2.669 dan dan signifikansi sebesar 0.000 < 0.05 . Sedangkan hasil koefisien determinasi menunjukkan bahwa variabel- variabel sebesar 64,8% sedangkan sisanya 35,2% tidak dijelaskan dalam penelitian ini.
| Item Type: | Thesis (Undergraduate) |
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| Uncontrolled Keywords: | Literasi Keuangan, Financial Planning, Perilaku Konsumtif, Buy Now Paylater. |
| Subjects: | H Social Sciences > HB Economic Theory H Social Sciences > HC Economic History and Conditions |
| Divisions: | Fakultas Ekonomi dan Bisnis > Program Studi Ekonomi Manajemen |
| Depositing User: | 1212200125 Takiya Muchtarisa |
| Date Deposited: | 30 Jun 2026 11:39 |
| Last Modified: | 30 Jun 2026 11:39 |
| URI: | http://repository.untag-sby.ac.id/id/eprint/44750 |
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