Faktor-Faktor Yang Mempengaruhi Perilaku Mahasiswa Terhadap Keputusan Penggunaan Paylater Pada Mahasiswa Fakultas Ekonomi Bisnis Islam Angkatan 2023-2024
Abstract
This study aims to analyze the influence of perceived ease of use, perceived usefulness, perceived risk, and Islamic financial literacy on the decision to use "PayLater" services among students of the Faculty of Islamic Economics and Business at UIN Sulthan Thaha Saifuddin Jambi (enrolled in 2023–2024). The study employs a quantitative approach using a survey method. Data were analyzed through multiple linear regression, partial tests (t-tests), simultaneous tests (F-tests), and the coefficient of determination. The results indicate that, individually, perceived usefulness has a positive and significant influence on the decision to use PayLater, with a significance value of 0.019. Islamic financial literacy also exerts a positive and significant influence, with a significance value of 0.026. Conversely, perceived ease of use does not have a significant effect (significance value of 0.289), nor does perceived risk (significance value of 0.093). Simultaneously, all four independent variables significantly influence the decision to use PayLater, as evidenced by an F-value of 12.827 (significance < 0.001). The coefficient of determination is 0.374, indicating that the research model explains 37.4% of the variation in the decision to use PayLater, while the remaining 62.6% is accounted for by factors outside the model. This study underscores the importance of perceived usefulness and Islamic financial literacy in understanding the decision to use PayLater services among students. Consequently, there is a need to enhance Islamic financial education and improve the understanding of the consequences associated with using digital financial services.
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