The Influence Of Fintech Payment, Financial Literacy, And Lifestyle On Financial Management Of Shopee Paylater Users In Pontianak City With Income As A Moderating Variable
Abstract
In an increasingly advanced digital era, technological innovations continue to develop, especially in payment systems. The use of financial technology (fintech) is growing, especially in urban areas such as Pontianak City. One of the most prominent innovations from fintech is the PayLater feature. From the phenomena that arise related to the widespread use of the PayLater feature, the purpose of this study is to examine the effect of Fintech Payment, Financial Literacy, and Lifestyle on the financial management of Shopee Paylater users in Pontianak City, with income as a moderating variable. This research uses associative methods and quantitative approaches. The data were analyzed using Moderated Regression Analysis (MRA) with SPSS software after being collected from 150 respondents through a questionnaire. The calculation results for Equation 1 are as follows: Y = 26,886 + (1,049 x 5) + (1,362 x 4) + (3,076 x 3) = 46,807. These results indicate that the financial management score derived from the direct influence of Fintech Payment, Financial Literacy, and Lifestyle is 46.807. The calculation results for Equation 2 are as follows: Y = 26.886 + (1.049 x 5) + (1.362 x 4) + (3.076 x 3) + (2.027 x 6) + (0.039 x 5 x 6) + (0.061 x 4 x 6) + (0.114 x 3 x 6) = 63.655. This result shows that the financial management score, after considering the effect of income (Z) and its interaction with Fintech Payment, Financial Literacy, and Lifestyle, is 63.655. These results indicate that the financial management score, after considering the effect of income (Z) and its interaction with Fintech Payment, Financial Literacy, and Lifestyle, is 63,655. The results of this study indicate that Fintech Payment, Financial Literacy, and Lifestyle show positive and significant results on Financial Management directly. The results of the influence of Fintech Payment, Financial Literacy, and Lifestyle which are moderated as moderating variable also get the result that income can moderate positively and significantly on financial management.
Keywords
References
S. E. Sholehah and E. Amaniyah, “Pengaruh Literasi Keuangan Dan Risiko Terhadap Perilaku Konsumtif Mahasiswa Dengan Penggunaan Fintech Payment (Paylater) Pada Shopee Sebagai Variabel Intervening,” Competence : Journal of Management Studies, vol. 18, no. 1, 2024.
M. A. F. Irhamni, “Nilai Transaksi Transfer Uang Elektronik Indonesia Capai Rp303 Triliun di 2024,” GoodStats Data.
Y. W. Nugrahanti, M. R. Rita, M. I. M. D. Restuti, and M. A. Hadiluwarso, Perilaku Keuangan Mahasiswa dalam Penggunaan Paylater: Beli Sekarang-Bayar Nanti. Penerbit NEM, 2024.
N. F. G. Hartimbul, Manajemen Pemasaran. Bandung: YRAMA WIDYA, 2023.
H. Z. Chaniago and R. A. Suwaidi, “Analisis Perilaku Pengelolaan Keuangan Generasi Z Pengguna Shopee Paylater,” Jurnal Ekonomi Efektif, vol. 7, no. 1, 2024, doi: 10.32493/JEE.v7i1.43297.
I. Ajzen, “The Theory of Planned Behavior,” Organ Behav Hum Decis Process, pp. 179–211, 1991.
I. Ajzen, Attitudes, Personality and Behaviour, 2nd ed. New York: OPEN UNIVERSITY PRESS, 2005.
F. Kusumar, A. S. Mendari, and K. Kunci, “Fintech Payment : Pengaruhnya Pada Perilaku Manajemen Keuangan Mahasiswa Di Palembang,” Buletin Ekonomi: Manajemen, Ekonomi, Pembangunan, Akuntansi., vol. 19(1), pp. 1–120, Apr. 2021, [Online]. Available: https://keuangan.kontan.co.id/,
M. Yudha Erlangga, A. Krisnawati, ) Prodi, M. Bisnis, F. Ekonomi, and D. Bisnis, “Pengaruh Fintech Payment Terhadap Perilaku Manajemen Keuangan Mahasiswa,” Jurnal Riset Manajemen & Bisnis, vol. 15(1), pp. 53–62, 2020.
A. F. Azzahra, I. Andriana, and N. D. M. Saputri, “Pengaruh Penggunaan Fintech Payment terhadap Perilaku Manajemen Keuangan,” Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, vol. 6, no. 2, pp. 2581–2592, Oct. 2023, doi: 10.47467/alkharaj.v6i2.4727.
Y. C. Puspita, “Kesesuaian Teknologi Digital Payment Aplikasi Ovo Analisis Kesesuaian Teknologi Penggunaan Digital Payment Pada Aplikasi Ovo,” Jurnal Manajemen Informatika, vol. 9(02), pp. 121–128, 2019.
C. Herdinata and F. D. Pranatasari, LITERASI KEUANGAN BERBASIS FINTECH Bagi Usaha Mikro Kecil dan Menengah. Yogyakarta: DEEPUBLISH, 2020.
R. Nurjanah, E. G. Asti, I. Rafikah, and A. Istiqomah, “Implikasi Kontrol Diri, Kecerdasan Spiritual dan Literasi Keuangan dalam Pengelolaan Keuangan,” Owner, vol. 8, no. 2, pp. 1439–1450, Mar. 2024, doi: 10.33395/owner.v8i2.2202.
N. Yunita, “Pengaruh Gender Dan Kemampuan Akademis Terhadap Literasi Keuangan Dalam Perilaku Pengelolaan Keuangan Pada Mahasiswa Jurusan Akuntansi,” Platform Riset Mahasiswa Akuntansi, vol. 01(2), pp. 1–12, 2020, doi: https://ojs.stiesa.ac.id/index.php/prisma.
H. Chen and R. P. Volpe, “An Analysis of Personal Financial Literacy Among College Students,” vol. 7, no. 2, pp. 107–128, 1998.
S. Setyaningsih and Y. Suchyadi, “Implementation of Principal Academic Supervision To Improve Teacher Performance in North Bogor,” Jhss (Journal Humanit. Soc. Stud., vol. 5, no. 2, pp. 179–183, 2021, doi: 10.33751/jhss.v5i2.3909.
Y. Suchyadi and Nurjanah, “Relationship between Principal Supervision in Increasing the Job Satisfaction of Private Junior High School Teachers in East Bogor District,” JHSS (Journal Humanit. Soc. Stud., vol. 02, no. 01, pp. 26–29, 2018, doi: https://doi.org/10.33751/jhss.v2i1.818.
Y. Suchyadi, “Relationship between Work Motivation and Organizational Culture in Enhancing Professional Attitudes of Pakuan University Lecturers,” JHSS (JOURNAL Humanit. Soc. Stud., vol. 01, no. 01, pp. 41–45, 2017, doi: https://doi.org/10.33751/jhss.v1i1.372.
Y. Suchyadi, N. Karmila, and N. Safitri, “Kepuasan Kerja Guru Ditinjau Dari Peran Supervisi Kepala Sekolah Dasar Negeri Di Kecamatan Bogor Utara,” JPPGuseda | J. Pendidik. Pengajaran Guru Sekol. Dasar, vol. 2, no. 2, pp. 91–94, Nov. 2019, doi: 10.33751/jppguseda.v2i2.1453.
R. Purnamasari et al., “Student Center Based Class Management Assistance Through The Implementation Of Digital Learning Models,” J. Community Engagem., vol. 02, no. 02, pp. 41–44, 2020, doi: https://doi.org/10.33751/jce.v2i2.2801.
Y. Suchyadi and H. Suharyati, “The Use Of Multimedia As An Effort To Improve The Understanding Ability Of Basic School Teachers ‘Creative Thinking In The Era ‘Freedom Of Learning,’” in Merdeka Belajar, A. Rahmat, Ed. Yogyakarta: Zahir Publishing, 2021, pp. 42–53.
Y. Suchyadi et al., “Increasing Personality Competence Of Primary School Teachers, Through Education Supervision Activities In Bogor City,” J. COMMUNITY Engagem., vol. 01, no. 01, 2019, [Online]. Available: https://journal.unpak.ac.id/index.php/jce
Y. Suchyadi et al., “Improving The Ability Of Elementary School Teachers Through The Development Of Competency Based Assessment Instruments In Teacher Working Group , North Bogor City,” J. COMMUNITY Engagem., vol. 02, no. 01, pp. 1–5, 2020, doi: https://doi.org/10.33751/jce.v2i01.2742.
S. Hardinata, Y. Suchyadi, and D. Wulandari, “Strengthening Technological Literacy In Junior High School Teachers In The Industrial Revolution Era 4.0,” J. Humanit. Soc. Stud., vol. 05, no. 03, pp. 330–335, 2021.
H. Suharyati, H. Laihad, and Y. Suchyadi, “Development of Teacher Creativity Models to Improve Teacher’s Pedagogic Competency in the Educational Era 4.0,” Int. J. Innov. Creat. Chang. www.ijicc.net, vol. 5, no. 6, pp. 919–929, 2019, [Online]. Available: www.ijicc.net
Y. Suchyadi, Nurjanah, and N. Karmila, Supervisi Pendidikan: Strategi Meningkatkan Profesionalisme Guru. Bogor: PGSD Universitas Pakuan, 2020.
Suchyadi, Y., & Suryani, A. "Educational Environment In The Implementation Of Character Education". JHSS (Journal Of Humanities And Social Studies), 5(2), 208-212. 2021.
Marwah, H. S., Suchyadi, Y., & Mahajani, T. "Pengaruh Model Problem Based Learning Terhadap Hasil Belajar Subtema Manusia Dan Benda Di Lingkungannya". Journal of Social Studies Arts and Humanities (JSSAH), 1(1), 42-45. 2021.
Suchyadi, Y., Sunardi, O., Suhardi, E., & Sundari, F. S. "Using a Multimedia for Natural Science Learning in Improving Concept Skills of Elementary School Teachers".
Hardinata, S., Suchyadi, Y., & Wulandari, D. "Model of Strengthening Technology Literacy for Junior High School Teachers in the Era of the Industrial Revolution 4.0."
U. Sumarwan, Perilaku Konsumen: Teori dan Penerapannya dalam Pemasaran. Bogor: Ghalia Indonesia, 2015.
I. Asisi and Purwantoro, “Pengaruh Literasi Keuangan, Gaya Hidup Dan Pengendalian Diri Terhadap Perilaku Konsumtif Mahasiswa Prodi Manajemen Fakultas Ekonomi Universitas Pasir Pengaraian,” Jurnal Ilmiah Manajemen dan Bisnis, vol. 2, no. 1, 2020.
M. Adrian Siregar and P. Dian Pratiwi, “Pengaruh Literasi Keuangan Terhadap Perilaku Keuangan Generasi Z Dengan Gaya Hidup Sebagai Variabel Intervening,” Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi), vol. 8, no. 3, p. 3069, 2024.
F. Anggreni Simange, “The Effect Of Financial Knowledge On The Financial Management Of Unmarried Employees In Manado City With Love Of Money As Intervening Variable,” vol. 10, no. 1, pp. 471–480, 2022.
I. Fathurrahman and Icih, “Pengaruh Literasi Keuangan, Sikap Love Of Money, Dan Pengetahuan Laporan Keuangan Terhadap Perilaku Pengelolaan Keuangan Umkm Di Wilayah Kabupaten Subang,” Journal of Accounting for Sustainable Society, vol. 02(01), 2020, Accessed: Jan. 12, 2025. [Online]. Available: https://ojs.stiesa.ac.id/index.php/jass/
H. Fransiska and D. Sri, “Pengaruh Financialawareness Dan Love Of Money Terhadap Pengelolaan Keuangan Generasi Z,” Jurnal Informasi Akuntansi, vol. 3(1), 2024.
E. S. Nurulhuda and A. Lutfiati, “Analisis Faktor-Faktor Yang Mempengaruhi Literasi Keuangan (Studi Kasus Mahasiswa Fakultas Ekonomi Dan Bisnis Universitas Islam As-Syafi’iyah),” KINERJA Jurnal Ekonomi dan Bisnis, vol. 2, no. 2, 2020, [Online]. Available: www.tirto.id,
R. Wati and M. Mustaqim, “Pengaruh Literasi Keuangan, Gaya Hidup Dan Pendapatan Terhadap Perilaku Pengelolaan Keuangan Karyawan Pada Pt. Prismas Jamintara Sidoarjo,” Tahun, vol. 13, no. 1, pp. 2684–9313, 2024.
R. Gustika, S. Tinggi, and I. E. Pasaman, “The Influence Of Financial Income And Attitudes On Financial Management (Study On Household Women In Nagari Binjai Kecamatan Tigo Nagari Pasaman Distric),” Jurnal Apresiasi Ekonomi, vol. 8, no. 3, pp. 399–406, 2020.
T. Y. Pranata and S. Widoatmodjo, “Pengaruh Pendapatan, Literasi Keuangan, Dan SikapKeuangan Terhadap Perilaku Pengelolaan Keuangan Orang Dewasa Belum Menikah DiDki Jakarta,” Jurnal Manajemen Bisnis dan Kewirausahaan, Dec. 2023.
S. H. Sahir, Metodologi Penelitian. Yogyakarta: Yogjakarta: KBM INDONESIA, 2021.
R. Abubakar, Pengantar Metodologi Penelitian. Yogyakarta: Yogyakarta: SUKA-Press, 2021.
Sugiyono, Metode Penelitian Kuantitatif, Kualitatif, Dan R&D. Bandung: Alfabeta, 2017.
S. Siregar, Metode penelitian kuantitatif dilengkapi dengan perbandingan perhitungan manual dan SPSS, vol. 7, no. 6. Jakarta: Kencana, 2017.
I. Ghozali, Aplikasi analisis multivariate dengan program IBM SPSS 25. 2018.
DOI: 10.33751/jhss.v8i3.11850
Refbacks
- There are currently no refbacks.
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
