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- Title
The Influence of Financial Knowledge on Financial Management Behavior With Locus of Control and Financial Attitude as Mediation Variables: Study on Generation Z of Pay-Later E-Commerce Users in Java.
- Authors
Ardyansyah, Ahmad Fathoni; Indrawati, Nur Khusniyah
- Abstract
The rapid development of Financial Technology (Fintech) has had an impact on Indonesia's digital economy. Pay-later has become the service that people choose to meet their daily needs in addition to the increasing number of business transactions carried out electronically (ecommerce). The increase in the use of paylaters in e-commerce increases every year, accompanied by negative impacts such as impulsive buying and consumptive behavior that can befall users and heve derimental impact, especially Generation Z on the island of Java, if they do not have good Financial Management Behavior. The unique phenomenon that currently occuring is that there is an increase in the knowledge possessed but the Non-Performing Loan (NPL) rate is also high. This research aims to determine the factors that influence of Financial Knowledge on Financial Management Behavior with Locus of Control and Financial Attitudes as mediation. This research is categorized as explanatory research. The respondents in this study were Generation Z e-commerce pay-later users on the island of Java. The sample size in this study was determined using a purposive sampling technique with a total sample of 317 respondents. The data collection method uses a questionnaire, data is analyzed using PLS-SEM. The research results show that Financial Knowledge influences Financial Management Behavior and Locus of Control and Financial Attitudes as a psychological variable added based on Behavioral Finance partially mediate this relationship. It is hoped that beside from increasing their knowledge, ecommerce pay-later users on the island of Java must have faith for what in what they can get in the future is controlled by themselves and attitudes in carrying out financial management.
- Subjects
FINANCE; FINANCIAL management; ELECTRONIC commerce; JAVA programming language; CONSUMPTION (Economics)
- Publication
International Journal of Research in Business & Social Science, 2024, Vol 13, p265
- ISSN
2147-4478
- Publication type
Article
- DOI
10.20525/ijrbs.v13i4.3391