PENGARUH FINANCIAL CAPABILITY, SELF-CONTROL, DAN FINANCIAL RISK TOLERANCE TERHADAP FINANCIAL WELL-BEING DENGAN MEDIASI FINANCIAL RESILIENCE PADA PENGGUNA PAYLATER USIA PRODUKTIF DI KARESIDENAN MADIUN

Setyawati, Frisma Dewi (2026) PENGARUH FINANCIAL CAPABILITY, SELF-CONTROL, DAN FINANCIAL RISK TOLERANCE TERHADAP FINANCIAL WELL-BEING DENGAN MEDIASI FINANCIAL RESILIENCE PADA PENGGUNA PAYLATER USIA PRODUKTIF DI KARESIDENAN MADIUN. S1 thesis, Universitas PGRI Madiun.

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Abstract

The use of paylater services among the productive-age population continues to increase with the ease of digital credit access; however, this convenience may lead to financial strain if not accompanied by adequate financial management skills, making financial resilience an important factor to examine. This study analyzes the effect of financial capability, self-control, and financial risk tolerance on financial well-being, directly and through the mediation of financial resilience, among productive-age paylater users in the Madiun Residency. The study employed a quantitative survey design involving 385 respondents aged 20-40 years, selected through purposive sampling. Data were collected using a four-point Likert-scale questionnaire via Google Form and analyzed using Partial Least Square-Structural Equation Modeling (PLS-SEM) with SmartPLS 4. Results show that financial capability, self-control, and financial risk tolerance significantly and positively affect financial resilience. Financial capability, self-control, financial risk tolerance, and financial resilience significantly and positively affect financial well-being, Financial resilience mediates all three variables, partially for financial capability, self-control, and financial risk tolerance. These findings confirm financial resilience as a key pathway linking financial capability and behavior to paylater users' financial well-being, suggesting providers develop features that support users' self-control. Keywords: Financial Capability, Self-Control, Financial Risk Tolerance, Financial Resilience, Financial Well-Being

Item Type:	Thesis/Skripsi/Tugas Akhir (S1)
Kata Kunci:	Kata kunci: Kapabilitas Keuangan, Pengendalian Diri, Toleransi Risiko Keuangan, Ketahanan Keuangan, Kesejahteraan Keuangan Keywords: Financial Capability, Self-Control, Financial Risk Tolerance, Financial Resilience, Financial Well-Being
Subjects:	A Social Sciences > HG Finance
Divisions:	Fakultas Ekonomi dan Bisnis > Manajemen
Depositing User:	SETYAWATI DEWI FRISMA
Date Deposited:	17 Oct 2026 04:03
Last Modified:	17 Oct 2026 04:03
URI:	http://eprint.unipma.ac.id/id/eprint/10404

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