Yaslim, Owen Agustin (2024) PENGARUH RISK PERCEPTION DAN MATERIALISM TERHADAP PROPENSITY TO INDEBTEDNESS DENGAN FINANCIAL BEHAVIOR SEBAGAI VARIABEL MEDIASI PADA PENGGUNA SHOPEE PAYLATER DI JABODETABEK. Skripsi thesis, Universitas Tarumanagara.

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Abstract

Abstract:
The purpose of this study was to determine 1) the effect of risk perception on propensity to indebtedness, 2) the effect of materialism on propensity to indebtedness, 3) the effect of financial behavior on propensity to indebtedness, 4) the effect of risk perception on financial behavior, 5) the effect of materialism on financial behavior, 6) the effect of financial behavior mediates risk perception with propensity to indebtedness, 7) the effect of financial behavior mediates materialism with propensity to indebtedness. The sampling technique used is non- probability sampling and the sample selection technique used is purposive sampling technique. Data collection using a google form online questionnaire with a sample size of 245 respondents. The data analysis technique used is Structural Equation Modeling (SEM). Data processing was carried out using SmartPLS 4.0. The sample in this study were Generation Z Shopee Paylater users in Jabodetabek. The results of this study are 1) Risk perception has a negative influence on propensity to indebtedness, 2) Materialism has a positive influence on propensity to indebtedness, 3) Financial behavior has a positive influence on propensity to indebtedness, 4) Risk perception has a negative influence on financial behavior, 5) Materialism has no influence on financial behavior, 6) Financial behavior has an influence in mediating risk perception with propensity to indebtedness, 7) Financial behaviour has no influence in mediating materialism with propensity to indebtedness.

Abstrak:
tujuan dari penelitian ini adalah untuk mengetahui 1) pengaruh risk perception terhadap propensity to indebtedness, 2) pengaruh materialism terhadap propensity to indebtedness, 3) pengaruh financial behavior terhadap propensity to indebtedness, 4) pengaruh risk perception terhadap financial behavior, 5) pengaruh materialism terhadap financial behavior, 6) pengaruh financial behavior memediasi risk perception dengan propensity to indebtedness, 7) pengaruh financial behavior memediasi materialism dengan propensity to indebtedness. Teknik pengambilan sampel yang digunakan adalah non-probability sampling dan teknik pemilihan sampel yang digunakan adalah teknik purposive sampling. Pengambilan data menggunakan kuesioner online google form dengan jumlah sampel sebanyak 245 responden. Teknik analisis data yang digunakan adalah Structural Equation Modeling (SEM). Pengolahan data dilakukan menggunakan SmartPLS 4.0. Sampel dalam penelitian ini merupakan Generasi Z Pengguna Shopee Paylater di Jabodetabek. Hasil dari penelitian ini adalah 1) Risk perception memiliki pengaruh negatif terhadap propensity to indebtedness, 2) Materialism memiliki pengaruh positif terhadap propensity to indebtedness, 3) Financial behavior memiliki pengaruh positif terhadap propensity to indebtedness, 4) Risk perception memiliki pengaruh negatif terhadap financial behavior, 5) Materialism tidak memiliki pengaruh terhadap financial behavior, 6) Financial behavior memiliki pengaruh dalam memediasi risk perception dengan propensity to indebtedness, 7) Financial behavior tidak memiliki pengaruh dalam memediasi materialism dengan propensity to indebtedness

Item Type: Thesis (Skripsi)
Subjects: Skripsi/Tugas Akhir
Skripsi/Tugas Akhir > Fakultas Ekonomi
Divisions: Fakultas Ekonomi > Manajemen
Depositing User: FE Perpus
Date Deposited: 10 Jun 2025 04:08
Last Modified: 10 Jun 2025 04:08
URI: https://repotest.untar.ac.id/id/eprint/47048

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