Cahyana, Adella Rizqa (2025) ANALISIS PENGARUH LITERASI KEUANGAN DIGITAL, MOTIVASI KEUANGAN, DAN UANG SAKU TERHADAP PENGGUNAAN LAYANAN BUY NOW PAY LATER (BNPL) PADA MAHASISWA GENERASI Z DI UNIVERSITAS 17 AGUSTUS 1945 SURABAYA. Undergraduate thesis, Universitas 17 Agustus 1945 Surabaya.
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Abstract
Perkembangan Buy Now Pay Later (BNPL) di kalangan mahasiswa semakin meningkat seiring dengan kemudahan akses layanan keuangan digital dan kebutuhan yang terus bertambah. Penelitian ini bertujuan untuk mengetahui adanya pengaruh Literasi Keuangan Digital, Motivasi Keuangan, dan Uang Saku secara simultan maupun parsial terhadap Penggunaan Layanan Buy Now Pay Later (BNPL) pada Mahasiswa Generasi Z di Universitas 17 Agustus 1945 Surabaya. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan teknik pengumpulan data melalui penyebaran kuesioner kepada 105 responden. Analisis data dilakukan menggunakan regresi linear berganda dengan bantuan program SPSS, serta melalui uji asumsi klasik yang meliputi Uji Normalitas, Uji Multikolinearitas, dan Uji Heteroskedastisitas. Hasil penelitian menunjukkan bahwa Literasi Keuangan Digital berpengaruh positif dan signifikan terhadap penggunaan layanan Buy Now Pay Later (BNPL). Motivasi Keuangan juga terbukti berpengaruh signifikan terhadap penggunaan Buy Now Pay Later (BNPL). Sementara itu, Uang Saku memiliki pengaruh positif namun tidak signifikan terhadap penggunaan layanan Buy Now Pay Later (BNPL). Secara simultan, ketiga variabel independen tersebut berpengaruh signifikan terhadap penggunaan layanan Buy Now Pay Later (BNPL) pada mahasiswa Generasi Z di Universitas 17 Agustus 1945 Surabaya.
| Item Type: | Thesis (Undergraduate) |
|---|---|
| Uncontrolled Keywords: | Literasi Keuangan Digital, Motivasi Keuangan, Uang Saku, BNPL |
| Subjects: | Z Bibliography. Library Science. Information Resources > Z665 Library Science. Information Science |
| Divisions: | Fakultas Ekonomi dan Bisnis > Program Studi Ekonomi Manajemen |
| Depositing User: | 1212200281 Adella Rizqa Cahyana |
| Date Deposited: | 07 Jul 2026 04:06 |
| Last Modified: | 07 Jul 2026 04:06 |
| URI: | http://repository.untag-sby.ac.id/id/eprint/45575 |
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