COMPARATIVE PENGARUH FINANCIAL LITERACY, FINANCIAL CONDITION, SELF-CONTROL DAN CONSUMPTIVE BEHAVIOR TERHADAP KEPUTUSAN PENGGUNAAN SHOPEE PAYLATER ANTARA GENERASI Z DAN MILENIAL DI KARESIDENAN MADIUN

MELINDASARI, YOHANA SJENI (2026) COMPARATIVE PENGARUH FINANCIAL LITERACY, FINANCIAL CONDITION, SELF-CONTROL DAN CONSUMPTIVE BEHAVIOR TERHADAP KEPUTUSAN PENGGUNAAN SHOPEE PAYLATER ANTARA GENERASI Z DAN MILENIAL DI KARESIDENAN MADIUN. S1 thesis, Universitas PGRI Madiun.

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Abstract

This study aims to analyze and explain the influence of financial literacy, financial condition, self-control, and consumptive behavior on the decision to use Shopee PayLater among Generation Z and Millennials in the Madiun Residency. This phenomenon is crucial to study given the rapid growth of the fintech sector, which is accompanied by the risk of debt accumulation and excessive consumption among young people. The research method employed was an explanatory quantitative approach. Data were collected through a questionnaire survey of 384 respondents, determined using Cochran’s formula and selected via purposive sampling. Data analysis was conducted using SPSS 25 software, which included data quality checks, tests of classical assumptions, multiple linear regression analysis, and hypothesis testing (t-test). The test results show that all independent variables have a positive and significant effect on the decision to use Shopee Paylater. This study concludes that high levels of financial literacy and self-control serve as internal regulatory mechanisms that encourage individuals to use digital credit services more wisely and in a planned manner to maintain long-term financial stability.

Item Type:	Thesis/Skripsi/Tugas Akhir (S1)
Kata Kunci:	Kata Kunci: Literasi Keuangan, Kondisi Keuangan, Kontrol Diri, Perilaku Konsumtif, Shopee Paylater Keywords: Financial Literacy, Financial Condition, Self-Control, Consumption Behavior, Shopee Paylater
Subjects:	A Social Sciences > HG Finance
Divisions:	Fakultas Ekonomi dan Bisnis > Manajemen
Depositing User:	MELINDASAR SJENI YOHANA
Date Deposited:	26 Oct 2026 03:41
Last Modified:	26 Oct 2026 03:41
URI:	http://eprint.unipma.ac.id/id/eprint/10677

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