the Effect of Mobile Self Efficacy and Spending Habits on Purchase Decisions Using Shopee Paylater with Financial Literacy as an Intervening Variable
Pengaruh Mobile Self Efficacy dan Spending Habits Terhadap Keputusan Pembelian Menggunakan Shopee Paylater dengan Literasi Keuangan sebagai Variabel Intervening
DOI:
https://doi.org/10.21070/ups.617Keywords:
Mobile Self Efficacy, Spending Habits, Spaylater User, Financial LiteracyAbstract
This study aims to determine the relationship between mobile self-efficacy and spending habits on the use of a spaylater on financial literacy. Quantitative research using spaylater user subjects. The sampling technique used, namely purposive sampling, obtained as many as 72 subjects. The data collection technique uses a Likert scale based on items originating from the aspects and indicators of each variable. The data analysis technique used is SPSS 26 software with the results of the first regression showing that the significance is greater than 0.05, meaning that there is no relationship between mobile self-efficacy and financial literacy, while spending habits have a significance less than 0.05, meaning there is a relationship between spending habits. on financial literacy. The results of the second regression show a significance result of less than 0.05, meaning that there is a relationship between mobile self-efficacy and spending habits in using a spaylater on financial literacy.
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