PENGARUH FINANCIAL LITERACY, SELF-CONTROL, FINANCIAL INCLUSION, SOCIAL ENVIRONMENT TERHADAP FINANCIAL BEHAVIOR PENGGUNA PAYLATER GEN Z DAN MILENIAL KOTA MADIUN

Lestiana, Arista Eka (2025) PENGARUH FINANCIAL LITERACY, SELF-CONTROL, FINANCIAL INCLUSION, SOCIAL ENVIRONMENT TERHADAP FINANCIAL BEHAVIOR PENGGUNA PAYLATER GEN Z DAN MILENIAL KOTA MADIUN. S1 thesis, Universitas PGRI Madiun.

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Abstract

This study aims to analyze the influence of financial literacy, self-control, financial inclusion, and social environment on the financial behavior of Gen-Z and Millennial Pay-Later Users in Madiun City. The research method used was quantitative, with data collection using a questionnaire. A sample of 384 respondents was obtained through purposive sampling. Data analysis was performed using multiple linear regression using SPSS 25. The results show that partially, financial literacy, self-control, financial inclusion, and social environment significantly influence financial behavior. Simultaneously, all four independent variables significantly influence the financial behavior of Pay-Later users. The conclusion from this study is that these four variables play a significant role in shaping the financial decisions of the younger generation who use digital financial services.

Item Type: Thesis/Skripsi/Tugas Akhir (S1)
Kata Kunci: Financial Behavior, Financial Inclusion, Financial Literacy, PayLater, Self-Control, Social Environment
Subjects: A Social Sciences > HG Finance
Depositing User: LESTIANA EKA ARISTA
Date Deposited: 14 Oct 2025 06:47
Last Modified: 14 Oct 2025 06:47
URI: http://eprint.unipma.ac.id/id/eprint/5446

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