Keputusan Kredit Menggunakan Paylater: Peran Perilaku Konsumtif Dan Literasi Keuangan Dengan Peer Pressure Dan Self-Control Sebagai Pemoderasi

Abstract

This study aims to determine whether there is an influence on credit decisions using paylater: the role of consumptive behavior and financial literacy with peer pressure and self-control as moderators (case study on UKSW students). This type of research is research that uses quantitative methods. This study uses purposive sampling technique with the sample being generation Z WKSW students, namely students born in 1995-2010 and are active paylater users totaling 94 respondents. The results of this study indicate that UKSW students show that, Consumptive Behavior affects the use of paylater significantly in a negative direction. Financial Literacy on the use of paylater significantly in a positive direction. The significant effect of Peer Persure as a moderating variable on Consumptive Behavior on the use of paylater is negative. The significant effect of Peer Persure as a moderating variable for Financial Literacy on the use of paylater is negative. The significant effect of Consumptive Behavior with moderated Self-Control on the use of paylater is positive. The significant effect of Financial Literacy with moderated Self Control on the use of paylater is positive.