Analisis Pengaruh Layanan PayLater dan Literasi Keuangan terhadap Tingkat Pembelian Impulsif Mahasiswa Manajemen Universitas Pertamina

Abstract

Indriyani, 103121025. "An Analysis of the Influence of PayLater Services and Financial Literacy on Impulsive Buying Behavior among Management Students at Universitas Pertamina."

This study aims to evaluate and analyze the influence of PayLater services and the level of financial literacy on impulsive buying behavior among university students, with a particular focus on the extent to which these two variabels contribute to unplanned purchasing decisions. The research employed a quantitative approach, supported by IBM SPSS version 25 to ensure systematic and accurate data analysis. The sample consisted of 206 respondents, all of whom were students from the Management Study Program at Universitas Pertamina. Data were collected through questionnaires that had previously undergone validity and reliability testing to ensure the credibility and suitability of the instrument. The data analysis was conducted using multiple linear regression to assess the relationships and simultaneous effects between variabels. The findings reveal that PayLater services have a significant positive effect on students’ tendency toward impulsive buying. Conversely, financial literacy exhibits a significant negative effect on impulsive buying behavior. Therefore, it can be concluded that both PayLater services and financial literacy simultaneously have a significant influence on the impulsive buying decisions of Management students at Universitas Pertamina.

Keywords: PayLater Services, Financial Literacy, Impulsive Buying