Home⇛International Journal of Multidisciplinary: Applied Business and Education Research⇛vol. 4 no. 11 (2023)

The Effect of Financial Literacy, Locus of Control and Life Style on the Financial Behavior of Peer to Peer Lending Paylater User In Surabaya City

Selvina Novantia Berlianti | Rahman Amrullah Suwaidi

 

Abstract:

Paylater is the latest payment system issued by e-commerce that we can shop for anything and paylater (buy now pay later). However, this convenience makes people more consumptive. This study aimed to determine how financial literacy, locus of control, and lifestyle factors influence the financial behavior of Paylater users in Surabaya. The sample will consist of 100 respondents who will be chosen using the Cochran method and a purposive sampling technique. The data analysis method applied is Partial Least Square (PLS). The results of this study indicate that financial literacy, locus of control, and lifestyle all play a role in influencing financial behavior.



References:

  1. Surat Edaran Satgas Penanganan Covid-19 Nomor 16 Tahun 2021 tentang Ketentuan Perjalanan Orang dalam Negeri pada Masa Pandemi Corona Virus Disesase 2019 (Covid-19). [ https://covid19.go.id/p/regulasi/surat-edaran-satgas-nomor-16-tahun-2021 ], July 2021.
  2. Pandemi Covid-19, Laba Bisnis Alat Kesehatan Naik 100% (Covid-19 Pandem-ic, Medical Device Business Profit Increas-es 100%). [ https://www.cnbcindonesia.com/market/20200921103747-19-188153/pandemi-covid-19-laba-bisnis-alat-kesehatan-naik-100 ], September 2021
  3. Selama Pandemi, Penjualan Produk dan Alat Kesehatan Meningkat 6 Kali Lipat (During the Pandemic, Sales of Medical Products and Devices Increase 6 Times). [ https://www.suara.com/pressrelease/2021/06/03/193146/selama-pandemi-penjualan-produk-dan-alat-kesehatan-meningkat-6-kali-lipat ], June 2021.
  4. Aplikasi Info Alat Kesehatan & PKRT. Re-trieved from Kementerian Kesehatan Re-publik Indonesia (Applications Info Medi-cal Devices & PKRT. Retrieved from Minis-try of Health Republic of Indonesia). [ http://infoalkes.kemkes.go.id/  ], Januari 2021.
  5. APJII & Indonesia Survey Center. (2020). Laporan Survei Internet APJII 2019-2020 Q2 (APJII Internet Survey Report 2019-2020 Q2). Jakarta: Asosiasi Penyelenggara Jasa Internet Indonesia.
  6. Menkominfo Paparkan Roadmap Digital Indonesia dalam ATxSG (The Minister of Communication and Information Presents Indonesia's Digital Roadmap in ATxSG). [ https://www.kominfo.go.id/content/detail/35713/siaran-pers-no240hmkominfo072021-tentang-menkominfo-paparkan-roadmap-digital-indonesia-dalam-atxsg/0/siaran_pers ], Ju-ly 2021.
  7. Duy NT, Mondal SR, Van NT, Dzung PT, Minh DX, Das S (2020) A Study on the Role of Web 4.0 and 5.0 in the Sustainable Tour-ism Ecosystem of Ho Chi Minh City, Vi-etnam. Sustainability. 12(17):1-18. https://doi.org/10.3390/su12177140
  8. Ryan D (2014) Understanding Digital Mar-keting, Marketing Strategies for Engaging The Digital Generation. London: Kogan Page.
  9. Hootsuite (We Are Social): Indonesian Dig-ital Report 2021. [ https://datareportal.com/reports/digital-2021-indonesia ], February 2021.
  10. Katz H (2010) The Media Handbook: A Complete Guide to Advertising Media Se-lection, Planning, Research, and Buying 4th edition. London: Taylor & Francis-Routledge.
  11. Kotler P, Armstrong G (2014) Principles of Marketing. Essex: Pearson.
  12. Galbato C. How to Use Content Pillars for Your Social Media Strategy. [ https://later.com/blog/content-pillars-for-social-media ], July 2020.
  13. Putri RW (2021) Peran Social Media Plan-ner dalam Mengelola Akun Japanese Sta-tion (The Role of Social Media Planner in Managing Japanese Station Accounts). Depok: Universitas Indonesia.
  14. Rahman, A. (2020). Understanding Digital Algorithm. Jakarta.
  15. Wahyuni F, Sujono FK (2017) Analysis of E-Commerce Communication Strategy in Diffusion of Innovations Process (Case Study in Community SME Belimbing Depok). In Proceeding of The 4th Conference on Communication, Culture and Media Studies (pp. 99-106). Yogyakarta: CCCMS.
  16. Lee CY (2003) A New Marketing Strategy for E-Commerce. InSITE-“Where Parallels Intersect”. 301-307. Informing Science. https://proceedings.informingscience.org/IS2003Proceedings/docs/046Lee.pdf
  17. Hootsuite. 27 Facebook Demographics to Inform Your Strategy in 2021. [ https://blog.hootsuite.com/facebook-demographics/ ], January 2021.

Tools


Copyright © 2024  KITE Digital Educational Solutions |  Exclusively distributed by CE-Logic