The Influence of Financial Literacy and Financial Self-efficacy on Risk Credit Behavior Using Shoppe Paylater among Students of Faculty of Economics and Social Sciences at UIN Suska Riau

Authors

  • Marya Syakila Mira Universitas Islam Negeri Sultan Syarif Kasim Riau
  • Umi Rachmah Damayanti Universitas Islam Negeri Sultan Syarif Kasim Riau

Keywords:

financial literacy, financial self-efficacy, risk credit behavior

Abstract

This research aims to examine the influence of financial literacy and financial self-efficacy on the risk credit behavior of Shopee PayLater usage among students of the Faculty of Economics and Social Sciences at UIN Suska Riau. The method used in this research is quantitative. The sample determination used the purposive sampling technique with an unknown population size, calculated using Cochran's formula, resulting in a sample size of 96 people. We collected data by distributing questionnaires in the form of a Google Form to the respondents. The results showed that, partially, financial literacy and financial self-efficacy have a
significant positive effect on the risk credit behavior of Shopee PayLater usage among students of the Faculty of Economics and Social Sciences at UIN Suska Riau. The influence of financial literacy and financial self-efficacy on the risk credit behavior of Shopee PayLater usage among students of the Faculty of Economics and Social Sciences at UIN Suska Riau is 67.2%, with the remaining 32.8% influenced by other variables not examined in this study

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Published

2024-12-09

How to Cite

Mira, M. S., & Damayanti, U. R. (2024). The Influence of Financial Literacy and Financial Self-efficacy on Risk Credit Behavior Using Shoppe Paylater among Students of Faculty of Economics and Social Sciences at UIN Suska Riau. Proceeding International Conference on Economic and Social Sciences, 2, 367–381. Retrieved from https://icess.uin-suska.ac.id/index.php/1/article/view/143

Issue

Vol. 2 (2024): ICESS

Section

Articles

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Copyright (c) 2024 Marya Syakila Mira, Umi Rachmah Damayanti

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