dc.contributor.advisor | Johan, Irni Rahmayani | |
dc.contributor.author | Nursyamsiyah, Anik | |
dc.date.accessioned | 2021-07-24T14:17:31Z | |
dc.date.available | 2021-07-24T14:17:31Z | |
dc.date.issued | 2020 | |
dc.identifier.uri | http://repository.ipb.ac.id/handle/123456789/107776 | |
dc.description.abstract | Paylater adalah salah satu ragam layanan keuangan yang dikenal sebagai fitur
pembayaran dengan mencicil tanpa kartu kredit yang termasuk dalam kategori peer to peer
lending, dan di Indonesia jumlah penggunanya mengalami kenaikan penggunaan 50 kali
lipat dari tahun sebelumnya. Tujuan dari penelitian ini adalah untuk menganalisis pengaruh
literasi keuangan dan financial health terhadap minat pegawai negeri sipil (PNS)
menggunakan layanan paylater. Penelitian ini menggunakan desain explanatory.
Pengambilan data dilakukan melalui survei online dengan penentuan contoh secara
convenient sampling. Jumlah sampel yang digunakan dalam studi ini sebanyak 280
pegawai negeri sipil (PNS). Hasil penelitian ini menunjukkan minat menggunakan layanan
paylater berada pada kategori rendah, sementara itu tingkat literasi keuangan terkategori
sedang dan financial health berada pada kategori financially coping. Terdapat perbedaan
yang signifikan pada financial health dan minat menggunakan paylater berdasarkan status
utang. Selain itu, terdapat perbedaan signifikan pada tingkat financial health antar
golongan PNS. Penelitian menemukan bahwa golongan PNS berpengaruh positif
signifikan terhadap minat menggunakan paylater, sedangkan jumlah aset, status utang,
literasi keuangan, dan financial health berpengaruh negatif signifikan terhadap minat
menggunakan paylater. | id |
dc.description.abstract | Paylater service is a type of non-credit card installment method, which categorized
as a peer to peer lending, and in Indonesia it shows a massive market growth with the
increasing number of usage by 50 times from the previous year. The aim of this study was
to analyze the effect of financial literacy and financial health towards the intention of civil
servant to use paylater service. The research design is explanatory. The data was collected
through online survey. Using a convenient sampling method, about 280 civil servants was
involved as the sample. This study found that the level of intention to use paylater service
was low, while financial literacy was in a moderate category, and financial health was in
the category of financially coping. There was a significant difference between debt status
and the intention to use paylater service. This study also examined the differences of
financial health between civil servants based on the level of job (Level III and IV), and a
significant difference was found between the group. Moreover, this study revealed that the
level of job had a significant positive effect toward the intention to use paylater service,
while total aset, debt status, financial literacy, and financial health had a significant
negative effect toward the intention to use paylater service. | id |
dc.language.iso | id | id |
dc.publisher | IPB University | id |
dc.title | Pengaruh Literasi Keuangan dan Financial Health terhadap Minat Pegawai Negeri Sipil (PNS) dalam Menggunakan Layanan Paylater | id |
dc.title.alternative | The Influence of Financial Literacy and Financial Health toward the Intention to use Paylater Service among Civil Servants | id |
dc.type | Undergraduate Thesis | id |
dc.subject.keyword | financial health | id |
dc.subject.keyword | literasi keuangan | id |
dc.subject.keyword | minat menggunakan paylater | id |
dc.subject.keyword | pengetahuan keuangan | id |
dc.subject.keyword | financial health | id |
dc.subject.keyword | financial knowledge | id |
dc.subject.keyword | financial literacy | id |
dc.subject.keyword | intention to use paylater | id |