PENGARUH FOMO, YOLO DAN LITERASI KEUANGAN TERHADAP KECENDERUNGAN MAHASISWA MENGGUNAKAN LAYANAN PAYLATER
DOI:
https://doi.org/10.51903/dinamika.v6i1.1131Keywords:
FOMO,YOLO, Financial Literacy,PaylaterAbstract
This study aims to examine the influence of FOMO, YOLO, and financial literacy on the use of Paylater services among university students. A quantitative method was employed, using questionnaires distributed to 100 respondents, and the data were analyzed through validity and reliability tests, classical assumption tests, and multiple linear regression analysis. The results indicate that, partially, FOMO does not have a significant effect, whereas YOLO and financial literacy have a significant impact. Simultaneously, all three variables influence the use of Paylater, suggesting that a lifestyle oriented toward enjoying the present and students’ financial understanding affect their decisions to use Paylater services.
References
[1] Bisnis.com, “Literasi Keuangan Indonesia Naik Jadi 65,43 Persen, Ini Target OJK,” Nov. 19, 2024. [Online]. Available: https://finansial.bisnis.com
[2] R. T. Anggraini and F. H. Santhoso, “Hubungan antara Gaya Hidup Hedonis dengan Perilaku Konsumtif pada Remaja,” Gadjah Mada Journal of Psychology, vol. 3, no. 3, pp. 131–140, 2017.
[3] Kontan.co.id, “OJK Catat Portofolio Paylater Tembus Rp 35,14 Triliun,” 2024. [Online]. Available: https://keuangan.kontan.co.id
[4] F. D. Angelista, L. D. Anggraini, and A. U. Putri, “Pengaruh Literasi Keuangan, Gaya Hidup dan Sikap Keuangan terhadap Perilaku Keuangan Mahasiswa Pengguna Shopee Paylater,” Journal of Trends Economics and Accounting Research, vol. 4, no. 3, pp. 696–705, 2024.
[5] Databoks Katadata, “Kontrak Paylater Tumbuh Rata-rata 144,35% per Tahun,” Mar. 14, 2024. [Online]. Available: https://databoks.katadata.co.id
[6] Kompas.com, “311 Mahasiswa Terjerat Pinjol dan Paylater,” Aug. 14, 2024. [Online]. Available: https://money.kompas.com
[7] M. N. F. Abdullah and I. S. Suja’i, “Pengaruh Gaya Hidup dan Media Sosial Terhadap Perilaku Konsumtif,” Jurnal Pendidikan Dewantara, vol. 8, no. 2, pp. 72–84, 2022.
[8] A. Z. Zein and F. Sartika, “Financial Literacy, Consumptive Behavior, and Lifestyle on the Use of Shopee Paylater,” Indonesian Interdisciplinary Journal of Sharia Economics, vol. 8, no. 2, pp. 5910–5927, 2025.
[10] S. N. Ariska, J. Jusman, and A. Asriany, “Pengaruh Literasi Keuangan, Financial Technology dan Gaya Hidup Hedonisme terhadap Perilaku Keuangan Mahasiswa,” Owner: Riset dan Jurnal Akuntansi, vol. 7, no. 3, pp. 2662–2673, 2023.
[11] R. Sari, “Pengaruh Penggunaan Paylater terhadap Perilaku Impulse Buying Pengguna E-commerce di Indonesia,” Jurnal Riset Bisnis dan Investasi, vol. 7, no. 1, pp. 44–57, 2021.
[12] A. Choerudin et al., Literasi Keuangan. Global Eksekutif Teknologi, 2023.
[13] M. Miranda et al., “Pengaruh FOMO dan Hedonic Motivation terhadap Penggunaan Paylater,” Jurnal Point Equilibrium Manajemen dan Akuntansi, vol. 5, no. 1, pp. 75–89, 2023.
[14] Kompas.com, “Viral Anak Muda Terjerat Utang Paylater Puluhan Juta Rupiah,” Aug. 9, 2024. [Online]. Available: https://money.kompas.com.
[15] N. Susilowati et al., “Pengaruh Literasi Keuangan Digital dan Gaya Hidup terhadap Keputusan Menggunakan Paylater pada Mahasiswa,” JIEP, vol. 8, no. 2, pp. 343–356, 2025.
[16] I. Ajzen, “The theory of planned behavior,” Organizational Behavior and Human Decision Processes, vol. 50, no. 2, pp. 179–211, 1991.
[17] I. Ghozali, Aplikasi Analisis Multivariate dengan Program IBM SPSS 23. Semarang: Badan Penerbit Universitas Diponegoro, 2016.
[18] I. Ghozali, Aplikasi Analisis Multivariate dengan Program IBM SPSS 25. Semarang: Badan Penerbit Universitas Diponegoro, 2018.
[19] Investor Daily, “Mahasiswa Kelompok Rentan Utang Paylater.” [Online]. Available: https://investor.id
[20] S. Sugiyono, Metode Penelitian Kuantitatif, Kualitatif dan R&D. Bandung: Alfabeta, 2019.
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Novian Laras Kristiana, Rispantyo Rispantyo
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
