THE INFLUENCE OF DIGITAL LITERACY AND FINANCIAL SELF EFFICACY ON RISKY CREDIT BEHAVIOR IN USING SHOPEE PAY LATER

Authors

  • Muhammad Rizky Yahya Sekolah Tinggi Ilmu Ekonomi Sulawesi Utara, Indonesia, Indonesia
  • Liestyowati Liestyowati Telkom University Kampus Jakarta, Indonesia, Indonesia
  • Jamaluddin Majid Universitas Islam Negeri Alauddin Makassar, Indonesia, Indonesia
  • Nurchayati Nurchayati Universitas 17 Agustus 1945 Semarang, Indonesia, Indonesia
  • Listiana Sri Mulastih Universitas Bung Hatta Padang, Indonesia, Indonesia

DOI:

https://doi.org/10.29040/jie.v8i1.11125

Abstract

Abstract Digital Literacy is an important instrument to strengthen customer strength to avoid risky credit behavior. Apart from Digital Literacy, Financial Self Efficacy is also an important instrument to avoid this. Therefore, this research aims to analyze the influence of digital literacy and financial self-efficacy on risky credit behavior. This research is quantitative research with an explantory approach, namely research that uses previous research as a stepping stone for finding new findings. The data used in this research uses primary data collected using the 1-5 questionnaire method which contains agree, strongly agree, disagree and strongly disagree. The data used was analyzed via PLS 3.0. The research results show that the Digital Literacy and Financial Self Efficacy variables each have a positive relationship and a significant influence on Risky Credit Behavior. As Digital Literacy improves and Confidence in managing finances increases, it will further strengthen the potential of employees to avoid Risky Credit Behavior.. Keywords : Digital Literacy, Financial Self Eficacy, Risky Credit Behavior

References

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Published

2023-11-01

How to Cite

Yahya, M. R., Liestyowati, L., Majid, J., Nurchayati, N., & Mulastih, L. S. (2023). THE INFLUENCE OF DIGITAL LITERACY AND FINANCIAL SELF EFFICACY ON RISKY CREDIT BEHAVIOR IN USING SHOPEE PAY LATER. JURNAL ILMIAH EDUNOMIKA, 8(1). https://doi.org/10.29040/jie.v8i1.11125

Issue

Vol. 8 No. 1 (2024): EDUNOMIKA

Section

Articles

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