Effect of Financial Knowledge, Financial Attitude, and Financial Behavior on Financial Literacy: Study on Shopee Paylater Users in Indonesia

I Gede Fafa Jorginatha Susila, I Wayan Nuka Lantara, M.Si., Ph.D.

2024 | Skripsi | MANAJEMEN

Penelitian ini bertujuan untuk menguji pengaruh variabel pengetahuan keuangan, sikap keuangan, dan perilaku keuangan secara parsial terhadap literasi keuangan Shopeepay. 

Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei. Metode survei dilakukan dengan penyebaran kuesioner secara daring. Sampel penelitian sebanyak 190 responden yang ditentukan menggunakan metode purposive sampling. Instrumen riset diuji validitasnya menggunakan analisis korelasi product-moment Pearson, dan reliabilitasnya menggunakan uji Cronbach’s alpha. Teknik pengumpulan data menggunakan kuesioner yang disebarkan secara daring. Teknik analisis data dalam riset ini menggunakan regresi linier berganda.

Hasil penelitian menunjukkan bahwa variabel pengetahuan keuangan, sikap keuangan, dan perilaku keuangan secara parsial berpengaruh positif dan signifikan terhadap literasi keuangan Shopeepay. Variabel independen yang paling dominan berpengaruh terhadap literasi keuangan Shopeepay adalah pengetahuan keuangan.

This Study aims to examine the affect of financial knowledge, financial attitude, and financial behavior partially on Shopee paylater financial literacy. 

This Study uses a quantitative approach with a survey method. The survey method was carried out by distributing online questionnaires. The study sample was 190 respondents who were determined using the purposive sampling method. The study instrument was tested for validity using Pearson product-moment correlation, and reliability using Cronbach's alpha test. The data collection technique used a questionnaire distributed online. The data analysis technique in this study using multiple linear regression.

The output showed that the financial knowledge, financial attitude, and financial behavior partially has a significant positive affect on Shopee paylater financial literacy. The most dominant independent variable influencing Shopee paylater financial literacy is financial knowledge.

Kata Kunci : financial knowledge, financial attitude, financial behavior, financial literacy, Shopee paylater