The Influence of Spending Habits, Financial Literacy, and Financial Attitude on Purchasing Decisions Using The Shoope Paylater Feature in the Millenial Generation in Sidoarjo District
Pengaruh Spending Habits, Financial Literacy, dan Financial Attitude terhadap Keputusan Pembelian menggunakan Fitur Shoope Paylater pada Generasi Millenial di Kabupaten Sidoarjo
DOI:
https://doi.org/10.21070/ups.8179Keywords:
Spending Habits, Financial Literacy, Financial Attitude, Purchasing Decisions, Shopee PaylaterAbstract
This study investigates the influence of spending habits, financial literacy, and financial attitude on purchasing decisions using the Shopee Paylater feature among millennials in Sidoarjo District. It employs a quantitative approach, analyzing data from 96 respondents through purposive sampling via an online questionnaire and SPSS software. The findings reveal that spending habits positively affect purchasing decisions, with higher spending tendencies leading to increased Shopee Paylater usage. Financial literacy significantly impacts decision-making, as individuals with better financial knowledge use the service more prudently. Additionally, a positive financial attitude is associated with more informed purchasing choices. The study concludes that enhancing financial literacy and
fostering a positive financial attitude are essential for effective financial management among millennials using credit services like Shopee Paylater, suggesting that future research should explore additional variables influencing financial behavior in digital credit contexts.
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