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Abstrak :

Pay later merupakan salah satu Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi yang baru hadir beberapa tahun terakhir di Indonesia. Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi seperti pay later  tidak menghilangkan kewajiban penyelenggara untuk menerapkan prinsip mengenal nasabah. Prinsip Mengenal Nasabah yang biasanya dilakukan secara langsung oleh pemberi pinjaman kepada nasabah sekarang dilakukan menggunakan media teknologi informasi yaitu internet dengan bantuan teknologi seperti kamera, mikrofon, dan pembaca sidik jari. Rumusan masalah dari penelitian ini adalah bagaimana pengaturan prinsip mengenal nasabah pada pay later dan bagaimana penerapan prinsip mengenal nasabah pada pay later oleh perusahaan financial technology. Penelitian dari skripsi ini merupakan penelitian kepustakaan dengan bentuk yuridis normatif, serta tipologi penelitian yang digunakan bersifat deskriptif analitis. Data yang digunakan dalam penelitian ini adalah data sekunder yang didukung dengan hasil wawancara. Hasil penelitian yang Penulis dapatkan adalah pengaturan mengenai prinsip mengenal nasabah pada pay later belum lengkap, pengaturan yang ada masih diatur secara umum sehingga belum dapat secara efektif  dalam pelaksanaannya. Masih terdapat juga pengaturan yang belum dapat dilaksanakan karena keterbatasan teknologi yang dimiliki pengguna. Penerapan identifikasi, verifikasi, dan pemantauan pun masih berbeda-beda di setiap penyelenggara pay later. Berdasarkan hasil tersebut, OJK harus membentuk peraturan yang lebih terperinci mengenai pelaksanaan teknis penerapan prisip mengenal nasabah oleh penyelenggara pay later.

 

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Pay later is one of the Information Technology-Based Lending and Borrowing Services that has only been present in the last few years in Indonesia. Information Technology-Based Lending and Borrowing Services such as pay later do not eliminate the obligation of the operator to apply the principle of knowing customers. The Know Your Customer Principles, which are usually carried out directly by lenders to customers, are now carried out using information technology media, namely the internet with the help of technology such as cameras, microphones, and fingerprint readers. The formulation of the problem of this study is how to regulate the principle of knowing customers on pay later and how to apply the principle of knowing customers on pay later by financial technology companies. The research of this thesis uses library research with a normative juridical form, and the research typology used is descriptive analytical. The data used in this research is secondary data which is supported by the results of interviews. The result of the research that the author obtained is that the regulation regarding the principle of knowing the customer on pay later is incomplete, the existing regulations are still generally regulated so that it cannot be effectively implemented. There are some regulations that cannot be implemented due to the limitations of technology that the users have. The implementation of identification, verification, and monitoring still varies in each pay later provider. Based on these results, OJK must establish more detailed regulations regarding the technical implementation of the principle of knowing customers by pay later operators.

 

Abstrak :
Penelitian ini bertujuan untuk mengetahui pengaruh mindfulness pada penggunaan fitur Buy Now, Pay Later (BNPL) terhadap financial well-being dengan faktor perilaku seperti pembelian impulsif dan financial self-control, serta faktor emosi sebagai mediasi. Penelitian ini juga menyertakan faktor materialisme untuk melihat pengaruh moderasi dari hubungan penggunaan BNPL terhadap financial well-being. Penelitian ini menggunakan metode PLS-SEM untuk menguji hipotesis. Sampel dalam penelitian ini berjumlah 304 individu baik pengguna aktif BNPL maupun yang tidak pernah menggunakan fitur tersebut. Hasil penelitian menunjukkan bahwa mindfulness berpengaruh terhadap penggunaan BNPL baik secara langsung maupun dimediasi melalui pembelian impulsif dan financial self-control, sementara emosi tidak signifikan dalam memediasi hubungan mindfulness terhadap penggunaan BNPL. Oleh karena itu, mindfulness diasosiasikan dengan menurunnya perilaku pembelian impulsif dan meningkatkan financial self-control. Selanjutnya, hasil penelitian menunjukkan bahwa hubungan penggunaan BNPL berpengaruh terhadap financial well-being baik secara langsung maupun dimediasi oleh variabel current money management stress dan expected future financial security. Hal ini menunjukkan bahwa penggunaan BNPL dikaitkan dengan financial well-being yang lebih rendah dengan meningkatnya current money management stress serta menurunkan expected future financial security. Sementara materialisme tidak terbukti signifikan dalam memoderasi hubungan penggunaan BNPL terhadap financial well-being. ......This study aims to investigate the influence of mindfulness on the usage of Buy Now, Pay Later (BNPL) feature on financial well-being, considering behavioral factors such as impulsive buying and financial self-control, as well as emotional factors as mediators. The study also includes materialism as a moderating factor to examine its influence on the relationship between BNPL usage and financial well-being. The research adopts the Partial Least Squares-Structural Equation Modeling (PLS-SEM) method to test the hypotheses. The sample consists of 304 individuals, including both active BNPL users and non-users. The findings of the study indicate that mindfulness has a direct and mediated impact on BNPL usage through impulsive buying and financial self-control, while emotions do not significantly mediate the relationship between mindfulness and BNPL usage. Therefore, mindfulness is associated with reduced impulsive buying behavior and increased financial self-control. Furthermore, the results demonstrate that BNPL usage has a direct and mediated impact on financial well-being through current money management stress and expected future financial security. This suggests that the use of BNPL is associated with lower financial well-being, characterized by increased current money management stress and decreased expected future financial security. On the other hand, materialism is not found to significantly moderate the relationship between BNPL usage and financial well-being.

Abstrak :
Studi ini bertujuan untuk menjelaskan penggunaan fitur Shopee Pay Later sebagai alat pendorong mahasiswa dalam melakukan tindakan konsumsi yang mencolok (conspicuous consumption). Studi-studi terdahulu menunjukkan bahwa mahasiswa memiliki pola konsumsi untuk menggunakan barang-barang mewah bukan berdasarkan fungsi barangnya, namun simbol yang ditunjukkan dari barang-barang tersebut. Namun, tidak semua mahasiswa dapat memenuhi kebutuhan akan barang mewah itu. Keberadaan Shopee Pay Later hadir memfasilitasi kebutuhan mahasiswa terhadap konsumsi barang-barang mewah. Hal ini disebabkan oleh sistem Shopee Pay Later yang dapat diakses dengan mudah dan memiliki persyaratan yang tidak rumit, sehingga dapat dijangkau oleh individu dengan berbagai latar belakang ekonomi. Hasil penelitian ini menunjukkan bahwa mahasiswa berhasil membeli produk-produk dengan merek dan harga tertentu untuk menunjukkan status sosialnya. Faktor-faktor di lingkungan perkuliahan, seperti pengaruh dari teman karena adanya perasaan gengsi dan keinginan untuk mencapai kepuasan dengan cepat membuat mahasiswa menggunakan fitur Shopee Pay Later dalam memenuhi segala keinginan mereka. Tindakan konsumsi mencolok yang terjadi pada mahasiswa diperlihatkan oleh mereka dalam kehidupan sehari-hari.  ......This study aims to explain the use of the Shopee Pay Later feature as a tool to encourage students to carry out conspicuous consumption. Previous studies show that students have a consumption pattern for using luxury goods not based on the function of the goods, but on the symbols shown by these goods. However, not all students can meet their needs for these luxury goods. The existence of Shopee Pay Later is here to facilitate students' needs for consuming luxury goods. This is because the Shopee Pay Later system can be accessed easily and has uncomplicated requirements, so it can be reached by individuals with various economic backgrounds. The results of this research show that students succeeded in buying products with certain brands and prices to show their social status. Factors in the lecture environment, such as influence from friends due to feelings of prestige and the desire to achieve satisfaction quickly, make students use the Shopee Pay Later feature to fulfill all their desires. The conspicuous consumption actions that occur among students are demonstrated by them in their daily lives. This research uses qualitative research methods with data collection techniques in the form of in-depth semi-structured interviews, digital observation, and document study.

Abstrak :
Media sosial membuka peluang perusahan dan konsumen untuk saling terhubung melalui pertukaran informasi dan komunikasi di media sosial. Salah satu industri digital yang berkembang cepat saat ini adalah e-commerce dan di dalamnya termasuk fitur pembayaran. Pay later adalah fitur pembayaran yang berkembang paling pesat, sehingga niat penggunaan fitur ini menjadi menarik untuk diteliti. Penelitian ini menggabungkan sikap, norma subjektif, perceived behavior control, dan penggunaan media sosial untuk melihat pengaruhnya terhadap niat penggunaan fitur pembayaran e-commerce pay later. Penelitian kuantitatif ini mendapatkan 129 responden dari hasil penyebaran kuesioner secara online. Dari keempat hipotesis yang diajukan, ditemukan bahwa sikap, norma subjektif, perceived behavior control, dan penggunaan media sosial memiliki pengaruh yang signifikan dan positif terhadap niat penggunaan fitur pembayaran e-commerce pay later. Penelitian ini menunjukkan bagaimana TPB dan penggunaan media sosial dapat digunakan untuk mengukur niat penggunaan teknologi non komunikasi seperti pay later. Faktor-faktor ini berperan penting dan perlu dipertimbangkan bagi perusahaan dalam strategi meningkatkan niat penggunakan sebuah teknologi. ......Social media opens up opportunities for companies and consumers to connect with each other through exchanging information and communication on social media. One of the digital industries that is developing rapidly at the moment is e-commerce, including its payment features. Pay later is the fastest growing payment feature, therefore the intention to use this feature is interesting to study. This research combines attitudes, subjective norms, perceived behavior control and social media use to see their influence on intentions to use the e-commerce pay later payment feature. This quantitative research obtained 129 respondents from distributing questionnaires online. Of the four hypotheses proposed, it was found that attitudes, subjective norms, perceived behavior control, and social media use have a significant and positive influence on the intention to use the e-commerce pay later payment feature. This research shows how TPB and social media use can be used to measure intentions to use non-communication technologies such as pay later. These communication factors play an important role and need to be considered by companies in their strategy to increase their intention to use technology.

Abstrak :

Penelitian ini bertujuan untuk meneliti pengaruh antara financial literacy dan risky credit behavior dengan mediasi financial self-efficacy dan moderasi financial stress. Pengambilan data dilakukan dengan metode purposive sampling menggunakan survei online kepada mahasiswa yang pernah menggunakan metode pembayaran paylater. Sebanyak 120 responden terkumpul yang kemudian diolah dan dianalisis menggunakan metode regresi dengan menggunakan SPSS 26. Hasil penelitian menunjukkan bahwa financial literacy signifikan berpengaruh negatif terhadap risky credit behavior mahasiswa. Selanjutnya, subjective financial literacy memiliki efek negatif yang lebih besar daripada objective financial literacy terhadap risky credit behavior. Penelitian ini juga menemukan bahwa efek moderasi dari financial stress berhasil mempengaruhi hubungan antara subjective financial literacy dan risky credit behavior namun peranan efek moderasi terhadap objective financial literacy belum terlihat signifikansinya. Selanjutnya, financial self-efficacy signifikan memediasi secara parsial hubungan antara subjective financial literacy dan risky credit behavior namun tidak memediasi hubungan pada objective financial literacy.

 

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This study aims to analyze the effect of financial literacy on risky credit behavior with financial self-efficacy as an mediating variables and financial stress as an moderating variables. Data collection was carried out by purposive sampling method using online surveys to students who had used the paylater payment method. A total of 120 respondents were collected which were then processed and analyzed using the regression method using SPSS 26. The results showed that financial literacy had a significant negative effect on the risky credit behavior of students. Furthermore, subjective financial literacy has a greater negative effect than objective financial literacy on risky credit behavior. This study also finds that the moderating effect of financial stress has succeeded in influencing the relationship between subjective financial literacy and risky credit behavior, but the role of the moderating effect on objective financial literacy has not been shown to be significant. Furthermore, financial self-efficacy partially partially mediates the relationship between subjective financial literacy and risky credit behavior but does not mediate the relationship on objective financial literacy.