PENGARUH LIFESTYLE, SELF CONTROL, DAN PERCEIVED USEFULNESS PAYLATER TERHADAP NIAT MENGGUNAKAN PAYLATER OLEH GENERASI Z DENGAN HUTANG DALAM PERSPEKTIF SYARIAH SEBAGAI VARIABEL MODERASI

Sekar Resty Pambayun, NIM.: 19108030064 (2023) PENGARUH LIFESTYLE, SELF CONTROL, DAN PERCEIVED USEFULNESS PAYLATER TERHADAP NIAT MENGGUNAKAN PAYLATER OLEH GENERASI Z DENGAN HUTANG DALAM PERSPEKTIF SYARIAH SEBAGAI VARIABEL MODERASI. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

The development of the times brings a lot of new innovations in every aspect, especially in the technology aspect, one of which is in the financial industry sector, namely financial technology with the latest innovation, namely the Paylater feature. This research uses a quantitative approach with a survey method. The data used is primary data. The purpose of this study is to find out how the influence of lifestyle, self-control, perceived usefulness, on the interest in using paylater in generation Z in DI Yogyakarta with debt in the sharia perspective as a moderation variable. The analysis method used in this study is SEM PLS. The results of the study found that partially, lifestyle and perceived usefulness had a significant positive effect on the interest in using paylater. Self-control has a significant negative effect on the interest in using paylater. Debt does not moderate the partial relationship between lifestyle and self-control of interest in using paylater. and debt moderates the relationship between perceived usefulness and interest in using paylater.

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