Article
HUBUNGAN LITERASI KEUANGAN DENGAN PERILAKU KREDIT BERISIKO: PERAN FINANCIAL SELF-EFFICACY SEBAGAI MEDIATOR DAN LIFESTYLE SEBAGAI MODERATOR
Jurnal HOMANIS: Halu Oleo Manajemen dan Bisnis, Vol. 2 No. 1 (2025), hlm. 90–107
Abstrak
The aim of this research is to determine whether financial literacy influences risky credit behavior, mediated by financial self-efficacy and moderated by lifestyle in the use of paylater services (a case study on students from the Faculty of Economics and Business). This is a quantitative study, with data collected using a questionnaire. The sample consists of 323 respondents, who are students from the Faculty of Economics and Business, class of 2021 and 2022. The research employs a non-probability sampling technique, using incidental sampling. Data analysis is conducted using descriptive statistical analysis with the SmartPLS version 4.0 application. The results show that objective financial literacy has a positive and significant effect on risky credit behavior. Subjective financial literacy also has a positive and significant effect on risky credit behavior. Financial self-efficacy has a positive and significant effect on risky credit behavior. Financial self-efficacy plays a positive and significant role in mediating the effect of objective financial literacy on risky credit behavior. It also positively and significantly mediates the effect of subjective financial literacy on risky credit behavior. Lifestyle positively and significantly moderates the effect of objective financial literacy on risky credit behavior, as well as the effect of subjective financial literacy on risky credit behavior.