Pengaruh Literasi Keuangan, Inklusi Keuangan, Financial Technology (Fintech), dan Kontrol Diri Terhadap Perilaku Keuangan Mahasiswa Pengguna Paylater di Universitas Mataram

Tria Rizki Pebrina; Burhanudin Burhanudin

doi:10.30640/inisiatif.v5i2.6499

Authors

Tria Rizki Pebrina Universitas Mataram
Burhanudin Burhanudin Universitas Mataram

DOI:

https://doi.org/10.30640/inisiatif.v5i2.6499

Keywords:

Financial Behavior, Financial Literacy, Financial Inclusion, Financial Technology (Fintech), Self-Control

Abstract

This study aims to analyze the influence of financial literacy, financial inclusion, financial technology (fintech), and self-control on the financial behavior of students who use paylater services at Mataram University. The background of this study is based on the increasing use of paylater services among students in line with the development of financial technology, which provides easy access to transactions and influences how students manage, plan, and make financial decisions. This study employs a quantitative approach with an associative-causal research design. Data were collected through the distribution of questionnaires to 200 Mataram University students who are users of paylater services, using accidental sampling techniques. Data analysis was conducted using Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results indicate that financial literacy has a positive and significant influence on students’ financial behavior; thus, the higher the level of financial understanding, the better their financial behavior. Financial inclusion also has a positive and significant influence, meaning that easy access to financial services supports wiser financial behavior. Meanwhile, financial technology (fintech) has a positive but insignificant effect, meaning it has not yet had a tangible impact on financial behavior. Self-control was found to have a positive and significant effect, highlighting the importance of self-control in the use of paylater services. This study confirms that the financial behavior of students using paylater services is primarily influenced by their ability to manage personal finances, their utilization of financial access, and their self-control in making financial decisions.

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