Pengaruh Financial Management Behaviour terhadap Indebtedness pada Mahasiswa Generasi Z Pengguna Fintech Peer-to-peer Lending

Abstract

Perkembangan layanan peer-to-peer lending meningkatkan kemudahan akses pembiayaan bagi mahasiswa Generasi Z, tetapi juga berpotensi meningkatkan risiko indebtedness. Penelitian ini bertujuan menganalisis pengaruh financial management behaviour terhadap indebtedness pada mahasiswa Generasi Z pengguna peer-to-peer lending. Penelitian menggunakan pendekatan kuantitatif dengan metode survei terhadap 200 responden yang dipilih menggunakan purposive sampling. Data dikumpulkan melalui kuesioner daring dan dianalisis menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa financial management behaviour berada pada kategori tidak baik, sedangkan indebtedness berada pada kategori tinggi. Selain itu, financial management behaviour berpengaruh negatif dan signifikan terhadap indebtedness dengan nilai R² sebesar 0,816. Temuan ini menunjukkan bahwa peningkatan perilaku pengelolaan keuangan dapat menjadi upaya untuk menurunkan risiko indebtedness pada mahasiswa pengguna peer-to-peer lending

The growth of peer-to-peer lending increased access to financing for Generation Z university students but also raised the risk of indebtedness. This study aimed to examine the effect of financial management behaviour on indebtedness among Generation Z university students using peer-to-peer lending services. A quantitative survey was conducted involving 200 respondents selected through purposive sampling. Data were collected through an online questionnaire and were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results showed that respondents' financial management behaviour was categorized as poor, while indebtedness was categorized as high. Furthermore, financial management behaviour had a negative and significant effect on indebtedness, with an R² value of 0.816. These findings suggested that improving financial management behaviour could help reduce the risk of indebtedness among university students using peer-to-peer lending services.