PENGARUH FINANCIAL TECHNOLOGY, LITERASI ANGAN, DAN PENGGUNAAN SISTEM PEMBA YARAN PEE PAY-LATER TERHADAP PERILAKU KONSUMTIF (studi kasus pada Generasi Milenial Kecamatan Tanjung Priok)

Mawaddah, Arinah Nurullita (2023) PENGARUH FINANCIAL TECHNOLOGY, LITERASI ANGAN, DAN PENGGUNAAN SISTEM PEMBA YARAN PEE PAY-LATER TERHADAP PERILAKU KONSUMTIF (studi kasus pada Generasi Milenial Kecamatan Tanjung Priok). S1 thesis, Universitas Mercu Buana - Menteng.

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Abstract

Penelitian ini bertujuan untuk membahas mengenai faktor apa saja yang mempengaruhi perilaku konsumtif pada generasi milenial. Variabel independen yang di dapatkan dari hasil survei pendahuluan adalah financial technology, literasi keuangan dan penggunaan sistem pembayaran Shopee Pay-later. Penelitian ini menggunakan teknik SEM (Stuctural Equation Modelling) dan pengolahan data menggunakan PLS. Populasinya adalah generasi milenial di kecamatan Tanjung Priok dan kriteria yang diinginkan yaitu generasi milenial yang berumur 20 - 45 tahun, juga aktif menggunakan Shopee Pay-later atau melakukan transaksi di situs online shop Shopee, dengan sampel 150 responden. Teknik pengambilan sampel menggunakan purposive sampling. Dengan menggunakan pendekatan deskriptif kuantitatif. Hasil penelitian ini menunjukkan bahwa financial technology berpengaruh positif signifikan terhadap perilaku konsumtif, literasi keuangan berpengaruh positif signifikan terhadap perilaku konsumtif, serta sistem pembayaran Shopee Pay-later berpengaruh positif signifikan terhadap perilaku konsumtif. This study aims to discuss what factors influence consumptive behavior in the millennial generation. The independent variables obtained from the results of the preliminary survey are financial technology, financial literacy and the use of the Shopee Paylater payment system. This research uses SEM (Structural Equation Modeling) technique and data processing uses PLS. The population is the millennial generation in the Tanjung Priok sub-district and the desired criteria are the millennial generation aged 20-45 years, also actively using Shopee Paylater or making transactions on the Shopee online shop site, with a sample of 150 respondents. The sampling technique used purposive sampling. By using a quantitative descriptive approach. The results of this study indicate that financial technology has a significant positive effect on consumptive behavior, financial literacy has a significant positive effect on consumptive behavior, and the Shopee Paylater payment system has a significant positive effect on consumptive behavior.

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