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Pengaruh Tingkat Financial Literacy dan Financial Self-Efficacy terhadap Risky Credit Behavior Mahasiswa dalam Penggunaan Fitur Buy Now Pay Later

This study aims to analyze the effect of financial literacy on risky credit behavior with financial self-efficacy as an mediating variables and financial stress as an moderating variables. Data collection was carried out by purposive sampling method using online surveys to students who had used the paylater payment method. A total of 120 respondents were collected which were then processed and analyzed using the regression method using SPSS 26. The results showed that financial literacy had a significant negative effect on the risky credit behavior of students. Furthermore, subjective financial literacy has a greater negative effect than objective financial literacy on risky credit behavior. This study also finds that the moderating effect of financial stress has succeeded in influencing the relationship between subjective financial literacy and risky credit behavior, but the role of the moderating effect on objective financial literacy has not been shown to be significant. Furthermore, financial self-efficacy partially partially mediates the relationship between subjective financial literacy and risky credit behavior but does not mediate the relationship on objective financial literacy..Ada Tabel

Ketersediaan

Call NumberLocationAvailable
13429PSB lt.2 - Karya Akhir1
Penerbit Depok Program Studi Manajemen Fakultas Ekonomi dan Bisnis UI.,
Edisi -
Subjek Financial literacy
efficacy
Financial Self
Risky Credit Behavior
ISBN/ISSN -
Klasifikasi -
Deskripsi Fisik xvi, 146 p. ; diagr. ; 30 cm
Info Detail Spesifik -
Other Version/Related Tidak tersedia versi lain
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