PENGARUH FINANCIAL LITERACY, FINANCIAL ATTITUDE, FINANCIAL SELF-EFFICACY, DAN SELF CONTROL TERHADAP FINANCIAL BEHAVIOR DALAM PENGGUNAAN PAYLATER (STUDI KASUS PADA MAHASISWA DI KOTA BANDUNG)
Abstract
This study aims to analyze the influence of financial literacy, financial attitudes, financial self-efficacy, and self-control on the financial behavior of students who use Paylater services in Bandung City. The research method used is a quantitative method with a non-probability sampling technique using the Snowball Sampling approach. The sample in this study consisted of 100 students taken from a student population in Bandung City of 305,421 people, based on data from the West Java BPS in 2025. The results of the study showed that partially, only the financial literacy variable had a significant effect on students' financial behavior. While the financial attitude, financial self-efficacy, and self-control variables did not have a significant effect. However, simultaneously, the four variables together had a significant effect on students' financial behavior, with a significance value of the F test of 0.009. The conclusion of this study is that financial literacy is a dominant factor that influences students' financial behavior in using Paylater services. Therefore, increasing financial understanding is very important in order to encourage wise and responsible financial behavior among students.
Keywords : Financial Literacy, Financial Behavior, Paylater, Bandung City Students
References
Afifi, S., & Setyorini, H. (2025). The Effect of Financial Literacy, Financial Experience, and Income Level on Family Financial Behavior. Management Studies and Entrepreneurship Journal, Vol. 4 No.5 (2023), 5995–6002. https://doi.org/10.37385/msej.v4i5.1713
Aprinthasari, M. N., & Widiyanto, W. (2020). Pengaruh Literasi Keuangan dan Self Control terhadap perilaku dan Sikap Keuangan Mahasiswa Pendidikan Ekonomi UNS. Business and Accounting Education Journal, 1, 65–72. https://doi.org/10.15294/baej.v1i1.38925
Baptista, S. M. J. (2021). The Influence of Financial Attitude, Financial Literacy, and Locus of Control on Financial Management Behavior (Study Case Working-Age of Semarang). International Journal of Social Science and Business, 5. https://doi.org/10.23887/ijssb.v5i1.31407
Duri, R. (2021). Perbedaan kontrol diri (self control) siswa ditinjau dari perlakuan orang tua (otoriter). Jurnal At-Taujih.
Faique, F. A., Ismail, S., Bakri, M. H., Idris, N. H., Yazid, Z. A., Daud, S., & Taib, N. M. (2017). Testing the financial attitude as a mediator for the relationship between financial self-efficacy with financial behavior. Advanced Science Letters, 23, 8009–8012. https://doi.org/10.1166/asl.2017.9632
Haqiqi, A. F. Z., & Pertiwi, T. K. (2022). Pengaruh Financial Technology, Literasi Keuangan dan Sikap Keuangan terhadap Perilaku Keuangan Generasi Z di Era Pandemi Covid-19 pada Mahasiswa UPN"Veteran" Jawa Timur. SEIKO: Journal of Management & Business, 5(2). https://doi.org/10.37531/sejaman.v5i2.2301
Hasanudin, H., Nurwulandari, A., & Caesariawan, I. (2022). Pengaruh literasi keuangan, efikasi keuangan, dan sikap keuangan terhadap keputusan investasi melalui perilaku keuangan. Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan, 5, 581–597. https://doi.org/10.32670/fairvalue.v5i2.2318
Kinaya, C. O., & Kosadi, F. (2024). Pengaruh Financial Literacy, Lifestyle, dan Locus of Lontrol terhadap Financial Behavior Penggunaan Paylater. Jurnal Ilmu Sosial, Manajemen, Akuntansi dan Bisnis, 5, 763–779. https://doi.org/10.47747/jismab.v5i4.2257
Kurnia, Goso, G., & Halim, M. (2023). Pengaruh Fintech (Paylater), Literasi Keuangan dan Perilaku Konsumtif Terhadap Perilaku Keuangan Mahasiswa. SEIKO : Journal of Management & Business, 6, 704–711. https://doi.org/10.37531/sejaman.v6i1.3996
Pusparani, A., & Krisnawati, A. (2019). Analisis Pengaruh Financial Literacy dan Financial Attitude terhadap Financial Behavior pada Siswa Sekolah Menengah Pertama di Kota Bandung. Jurnal Mitra Manajemen, 3, 72–83. https://doi.org/10.52160/ejmm.v3i1.181
Putri, N. M. E., & Andarini, S. (2022). Pengaruh Self Control dan Financial Attitude terhadap Financial Management Behavior pengguna Layanan Buy Now Pay Later. Jurnal Ekonomi Akuntansi dan Manajemen, 21, 60. https://doi.org/10.19184/jeam.v21i1.30594
Sarah Nurhanifah, & Syarif, D. (2024). Financial Behaviour Mahasiswa di Kota Bandung dan Faktor – Faktor yang Mempengaruhinya. JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi), 10, 1115–1124. https://doi.org/10.35870/jemsi.v10i2.2268
Seri. (2022). Financial Behavior. Yayasan Kita Menulis.
Sutisman, E., Pattiasina, V., Sumartono, & Syahila Amila. (2021). Pengaruh Literasi Keuangan, Gaya Hidup, Sikap Keuangan dan Locus of Control terhadap Perilaku Pengelolaan Keuangan Pada Mahasiswa Akuntansi Universitas Yapis Papua. Accounting Journal Universitas Yapis Papua. https://scholar.google.co.id/citations?view_op=view_citation&hl=en&user=rAgFxs8AAAAJ&citation_for_view=rAgFxs8AAAAJ:zLWjf1WUPmwC
Veriwati, S., Relita, D. T., & Pelipa, E. D. (2021). Pengaruh Literasi Keuangan Terhadap Perilaku Pengelolaan Keuangan Mahasiswa Program Studi Pendidikan Ekonomi. JURKAMI : Jurnal Pendidikan Ekonomi, 6, 43–53. https://doi.org/10.31932/jpe.v6i1.1150
Yuniawati, W., Devyanthi Syarif, & Tjipto Sajekti. (2024). Pengaruh Financial Knowledge, Financial Attitude, Locus of Control dan Lifestyle terhadap Financial Behaviour pada Mahasiswa di Kota Bandung. JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi), 10(2), 1098–1108. https://doi.org/10.35870/jemsi.v10i2.2270
