{
      "department": "FAKULTAS EKONOMI DAN BISNIS ISLAM",
      "subjects": [
        "eko_sya"
      ],
      "eprintid": 79578,
      "thesis_type": "masters",
      "date": "2026-08-19",
      "userid": 12241,
      "documents": [
          {
            "language": "id",
            "placement": 1,
            "eprintid": 79578,
            "files": [
                {
                  "hash_type": "MD5",
                  "mtime": "2026-10-27 06:33:41",
                  "datasetid": "document",
                  "fileid": 1893199,
                  "objectid": 1087603,
                  "uri": "http:\/\/digilib.uin-suka.ac.id\/id\/file\/1893199",
                  "mime_type": "application\/pdf",
                  "hash": "9c3e163532732ba54bb0c704d1361352",
                  "filesize": 3428137,
                  "filename": "23208012014_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf"
                }
            ],
            "content": "published",
            "rev_number": 3,
            "uri": "http:\/\/digilib.uin-suka.ac.id\/id\/document\/1087603",
            "main": "23208012014_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf",
            "mime_type": "application\/pdf",
            "docid": 1087603,
            "format": "text",
            "security": "public",
            "pos": 1,
            "formatdesc": "ANALISIS FAKTOR-FAKTOR YANG MEMENGARUHI NIAT PENGGUNAAN LAYANAN BUY NOW PAY LATER (BNPL) PADA MASYARAKAT PULAU JAWA DENGAN FINANCIAL LITERACY SEBAGAI VARIABEL MODERASI: STUDI KASUS SHOPEE PAYLER"
          },
          {
            "language": "id",
            "placement": 2,
            "eprintid": 79578,
            "files": [
                {
                  "hash_type": "MD5",
                  "mtime": "2026-10-27 06:33:44",
                  "datasetid": "document",
                  "fileid": 1893202,
                  "objectid": 1087604,
                  "uri": "http:\/\/digilib.uin-suka.ac.id\/id\/file\/1893202",
                  "mime_type": "application\/pdf",
                  "hash": "8fab7cd19c204a21d66064a9c2f34fc4",
                  "filesize": 7883022,
                  "filename": "23208012014_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf"
                }
            ],
            "content": "published",
            "rev_number": 3,
            "uri": "http:\/\/digilib.uin-suka.ac.id\/id\/document\/1087604",
            "main": "23208012014_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf",
            "mime_type": "application\/pdf",
            "docid": 1087604,
            "format": "text",
            "security": "validuser",
            "pos": 2,
            "formatdesc": "ANALISIS FAKTOR-FAKTOR YANG MEMENGARUHI NIAT PENGGUNAAN LAYANAN BUY NOW PAY LATER (BNPL) PADA MASYARAKAT PULAU JAWA DENGAN FINANCIAL LITERACY SEBAGAI VARIABEL MODERASI: STUDI KASUS SHOPEE PAYLER"
          }
      ],
      "rev_number": 11,
      "creators": [
        {
          "name": {
            "lineage": null,
            "given": "NIM.: 23208012014",
            "honourific": null,
            "family": "Aimatus Solehah"
          }
        }
      ],
      "dir": "disk0\/00\/07\/95\/78",
      "keywords": "Buy) (Now) (Pay) (Later,) (Shopee) (PayLater,) (Technology)\r\n(Acceptance) (Model,) (Financial) (Literacy,) (Behavioral) (Intention,) (PLSSEM.",
      "lastmod": "2026-10-27 07:21:36",
      "ispublished": "pub",
      "metadata_visibility": "show",
      "date_type": "published",
      "eprint_status": "archive",
      "status_changed": "2026-10-27 06:38:49",
      "datestamp": "2026-10-27 06:38:49",
      "uri": "http:\/\/digilib.uin-suka.ac.id\/id\/eprint\/79578",
      "thesis_name": "mphil",
      "note": "Dr. Abdul Haris, M.Ag.",
      "full_text_status": "restricted",
      "contact_email": "sophanshofwan@gmail.com",
      "divisions": [
        "ek_syarS-2"
      ],
      "abstract": ".The) (rapid) (growth) (of) (Buy) (Now) (Pay) (Later) ((BNPL)) (services) (in) (Indonesia)\r\n(has) (been) (driven) (by) (the) (expansion) (of) (e-commerce) (and) (the) (digitalization)\r\n(of) (payment) (systems.) (Shopee) (PayLater) (has) (become) (one) (of) (the) (most)\r\n(widely) (used) (BNPL) (services,) (particularly) (among) (people) (in) (Java) (Island,)\r\n(which) (has) (the) (highest) (internet) (penetration) (and) (e-commerce) (activity) (in)\r\n(Indonesia.) (This) (study) (aims) (to) (examine) (the) (effects) (of) (Perceived)\r\n(Usefulness,) (Perceived) (Ease) (of) (Use,) (Trust,) (Perceived) (Risk,) (and) (Social)\r\n(Influence) (on) (the) (behavioral) (intention) (to) (use) (Shopee) (PayLater) (and) (to)\r\n(investigate) (the) (moderating) (role) (of) (Financial) (Literacy.) (This) (study)\r\n(employed) (a) (quantitative) (research) (approach) (using) (a) (survey) (method)\r\n(involving) (260) (respondents) (from) (Java) (Island) (who) (had) (previously) (used)\r\n(Shopee) (PayLater.) (The) (respondents) (were) (selected) (using) (purposive)\r\n(sampling.) (Data) (were) (analyzed) (using) (Partial) (Least) (Squares–Structural)\r\n(Equation) (Modeling) ((PLS-SEM)) (with) (SmartPLS) (software.\r\nThe) (findings) (reveal) (that) (Trust,) (Perceived) (Risk,) (Social) (Influence,) (and)\r\n(Financial) (Literacy) (have) (positive) (and) (significant) (effects) (on) (the)\r\n(behavioral) (intention) (to) (use) (Shopee) (PayLater.) (In) (contrast,) (Perceived)\r\n(Usefulness) (and) (Perceived) (Ease) (of) (Use) (do) (not) (significantly) (influence)\r\n(behavioral) (intention.) (Furthermore,) (the) (moderation) (analysis) (indicates)\r\n(that) (Financial) (Literacy) (strengthens) (the) (relationship) (between) (Perceived)\r\n(Ease) (of) (Use) (and) (behavioral) (intention) (while) (weakening) (the) (relationship)\r\n(between) (Perceived) (Usefulness) (and) (behavioral) (intention.) (The) (structural)\r\n(model) (achieved) (an) (R²) (value) (of) (0.718,) (indicating) (that) (71.8%) (of) (the)\r\n(variance) (in) (behavioral) (intention) (is) (explained) (by) (the) (variables) (included)\r\n(in) (this) (study.) (The) (findings) (imply) (that) (user) (trust,) (social) (influence,)\r\n(perceived) (risk,) (and) (financial) (literacy) (are) (critical) (determinants) (of) (BNPL)\r\n(adoption.) (Enhancing) (financial) (literacy) (is) (therefore) (essential) (to)\r\n(encourage) (more) (responsible) (and) (sustainable) (use) (of) (digital) (financial)\r\n(services.\r\nKeywords:) (Buy) (Now) (Pay) (Later,) (Shopee) (PayLater,) (Technology)\r\n(Acceptance) (Model,) (Financial) (Literacy,) (Behavioral) (Intention,) (PLSSEM.",
      "type": "thesis",
      "title": "ANALISIS FAKTOR-FAKTOR YANG MEMENGARUHI NIAT\r\nPENGGUNAAN LAYANAN BUY NOW PAY LATER (BNPL)\r\nPADA MASYARAKAT PULAU JAWA DENGAN FINANCIAL\r\nLITERACY SEBAGAI VARIABEL MODERASI: STUDI KASUS\r\nSHOPEE PAYLER",
      "institution": "UIN SUNAN KALIJAGA YOGYAKARTA",
      "pages": 292
    }