Perilaku Kredit Berisiko pada Penggunaan Kredit Online Shopeepaylater di Kalangan Mahasiswa

Novaliony Ardhana Putri; Sri Tresnaningsih

doi:10.24127/akuisisi.v19i2.1053

Perilaku Kredit Berisiko pada Penggunaan Kredit Online Shopeepaylater di Kalangan Mahasiswa

Novaliony Ardhana Putri, Sri Tresnaningsih

Abstract

Penelitian ini bertujuan untuk mengetahui kecenderungan mahasiswa di Kota Surabaya dan sekitarnya Ketika menggunakan kredit online ShopeePaylater. Variabel eksogen terdiri atas status social ekonomi, wawasan kredit, serta financial self-efficacy yang sekaligus menjadi variable intervening dengan variable endogen perilaku kredit berisiko. Metode penelitian adalah kuantitatif. Sampel penelitian terdiri atas 173 mahasiswa yang menjadi data primer dan diukur menggunakan skala Likert. Data dianalisis dengan outer model dan inner model menggunakan SMART-PLS. Hasil penelitian menunjukkan bahwa status social ekonomi tidak siginifikan terhadap financial self-efficacy dan perilaku kredit berisiko, berbanding terbalik dengan wawasan kredit.

Keywords

Shopeepaylater;risky credit behavior

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DOI: 10.24127/akuisisi.v19i2.1053

DOI (PDF): https://doi.org/10.24127/akuisisi.v19i2.1053.g638