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All Journal JPBM (Jurnal Pendidikan Bisnis dan Manajemen) UNEJ e-Proceeding Jurnal Manajemen dan Kewirausahaan (JMDK) Jurnal Pendidikan Bisnis dan Manajemen Classroom Action Research Journal (CARJO) Jurnal Pendidikan Ekonomi & Bisnis (Edisi Elektronik) JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Jurnal Karinov Jurnal Altifani Penelitian dan Pengabdian kepada Masyarakat
Putra Hilmi Prayitno
Universitas Negeri Malang
Religion Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Nursing Public Health Social Sciences

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Journal : Jurnal Manajemen dan Kewirausahaan (JMDK)

 1 
The Effect of Financial Literacy and Self-Control on Consumptive Behavior with Paylater as a Mediating Variable Sofiah Nada Fauziah; Putra Hilmi Prayitno; Hari Wahyono; Ro’ufah Inayati
Jurnal Manajemen dan Kewirausahaan Vol 11, No 1 (2023): June 2023
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jmdk.v11i1.10209

Abstract

This study aims to analyze: (1) the effect of financial literacy on consumptive behavior, (2) the effect of self-control on consumptive behavior, (3) the effect of Paylater on consumptive behavior, (4) the effect of financial literacy on Paylater, (5) the effect of self-control on Paylater, (6) Paylater as mediating variable. This research uses quantitative research methods. The number of samples in this study was 100 housewives in Malang. The analysis technique uses SEM PLS. The results of the analysis show: (1) the financial literacy influences consumptive behavior, (2) the self-control influences consumptive behavior, (3) Paylater influences consumptive behavior, (4) financial literacy influences Paylater, (5) self-control affects Paylater, (6)Paylater mediates the effect of financial literacy on consumptive behavior, (7) Paylater mediates the effect of self-control on consumptive behavior in housewives in Malang. Thus, the use of the Paylater feature is only for purchases that are absolutely necessary and within budget. Increase self-control so that you can help avoid the harmful consumptive behavior.
Co-Authors Agus Wibowo Agus Wibowo Annisya Annisyah Rahmania Rayhan Bagus Shandy Narmaditya Dwi Wulandari Eddy Sutadji Emma Yunika Puspasari Hadi Sumarsono Hari Wahyono Imam Mukhlis Lutfi Asnan Lutfi Asnan Qodri M. Sulton Alfian Magistyo P Purboyo Mahadewi Cantika Anggraini Naili Ifrozul Mawaddah Ni'matul Istiqomah Nur Amalina Astri Tumala Nur Anita Yunikawati, Nur Anita Puji Handayati, Puji Ro'ufah Inayati Shadi Emad Areef Alhaleh Sheerad Sahid Sofiah Nada Fauziah Suryati Ishak Ubeid Fandi Nasrulloh Wahjoedi Wahjoedi Yuli Agustina, Yuli