eprintid: 79578
rev_number: 11
eprint_status: archive
userid: 12241
dir: disk0/00/07/95/78
datestamp: 2026-10-27 06:38:49
lastmod: 2026-10-27 07:21:36
status_changed: 2026-10-27 06:38:49
type: thesis
metadata_visibility: show
contact_email: sophanshofwan@gmail.com
creators_name: Aimatus Solehah, NIM.: 23208012014
title: 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
ispublished: pub
subjects: eko_sya
divisions: ek_syarS-2
full_text_status: restricted
keywords: Buy) (Now) (Pay) (Later,) (Shopee) (PayLater,) (Technology)
(Acceptance) (Model,) (Financial) (Literacy,) (Behavioral) (Intention,) (PLSSEM.
note: Dr. Abdul Haris, M.Ag.
abstract: .The) (rapid) (growth) (of) (Buy) (Now) (Pay) (Later) ((BNPL)) (services) (in) (Indonesia)
(has) (been) (driven) (by) (the) (expansion) (of) (e-commerce) (and) (the) (digitalization)
(of) (payment) (systems.) (Shopee) (PayLater) (has) (become) (one) (of) (the) (most)
(widely) (used) (BNPL) (services,) (particularly) (among) (people) (in) (Java) (Island,)
(which) (has) (the) (highest) (internet) (penetration) (and) (e-commerce) (activity) (in)
(Indonesia.) (This) (study) (aims) (to) (examine) (the) (effects) (of) (Perceived)
(Usefulness,) (Perceived) (Ease) (of) (Use,) (Trust,) (Perceived) (Risk,) (and) (Social)
(Influence) (on) (the) (behavioral) (intention) (to) (use) (Shopee) (PayLater) (and) (to)
(investigate) (the) (moderating) (role) (of) (Financial) (Literacy.) (This) (study)
(employed) (a) (quantitative) (research) (approach) (using) (a) (survey) (method)
(involving) (260) (respondents) (from) (Java) (Island) (who) (had) (previously) (used)
(Shopee) (PayLater.) (The) (respondents) (were) (selected) (using) (purposive)
(sampling.) (Data) (were) (analyzed) (using) (Partial) (Least) (Squares–Structural)
(Equation) (Modeling) ((PLS-SEM)) (with) (SmartPLS) (software.
The) (findings) (reveal) (that) (Trust,) (Perceived) (Risk,) (Social) (Influence,) (and)
(Financial) (Literacy) (have) (positive) (and) (significant) (effects) (on) (the)
(behavioral) (intention) (to) (use) (Shopee) (PayLater.) (In) (contrast,) (Perceived)
(Usefulness) (and) (Perceived) (Ease) (of) (Use) (do) (not) (significantly) (influence)
(behavioral) (intention.) (Furthermore,) (the) (moderation) (analysis) (indicates)
(that) (Financial) (Literacy) (strengthens) (the) (relationship) (between) (Perceived)
(Ease) (of) (Use) (and) (behavioral) (intention) (while) (weakening) (the) (relationship)
(between) (Perceived) (Usefulness) (and) (behavioral) (intention.) (The) (structural)
(model) (achieved) (an) (R²) (value) (of) (0.718,) (indicating) (that) (71.8%) (of) (the)
(variance) (in) (behavioral) (intention) (is) (explained) (by) (the) (variables) (included)
(in) (this) (study.) (The) (findings) (imply) (that) (user) (trust,) (social) (influence,)
(perceived) (risk,) (and) (financial) (literacy) (are) (critical) (determinants) (of) (BNPL)
(adoption.) (Enhancing) (financial) (literacy) (is) (therefore) (essential) (to)
(encourage) (more) (responsible) (and) (sustainable) (use) (of) (digital) (financial)
(services.
Keywords:) (Buy) (Now) (Pay) (Later,) (Shopee) (PayLater,) (Technology)
(Acceptance) (Model,) (Financial) (Literacy,) (Behavioral) (Intention,) (PLSSEM.
date: 2026-08-19
date_type: published
pages: 292
institution: UIN SUNAN KALIJAGA YOGYAKARTA
department: FAKULTAS EKONOMI DAN BISNIS ISLAM
thesis_type: masters
thesis_name: mphil
citation:   Aimatus Solehah, NIM.: 23208012014  (2026) 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.  Masters thesis, UIN SUNAN KALIJAGA YOGYAKARTA.   
document_url: https://digilib.uin-suka.ac.id/id/eprint/79578/1/23208012014_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf
document_url: https://digilib.uin-suka.ac.id/id/eprint/79578/2/23208012014_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf