Religiusitas dan Literasi Keuangan sebagai Determinan Keputusan Konsumen Menggunakan PayLater BCA
DOI:
https://doi.org/10.33503/paradigma.v32i1.3138Keywords:
religiusitas, literasi keuangan, keputusan penggunaan, PayLater BCA, teori perilaku terencana, orientasi religius, layanan keuangan digitalAbstract
Penelitian ini bertujuan menguji pengaruh religiusitas dan literasi keuangan terhadap keputusan penggunaan PayLater BCA. Pendekatan kuantitatif dengan jenis explanatory research digunakan dalam studi ini. Sampel sebanyak 100 responden diambil menggunakan teknik purposive sampling dengan kriteria pengguna PayLater BCA, berusia minimal 17 tahun, dan beragama Islam. Pengumpulan data dilakukan melalui kuesioner online yang disebarkan melalui berbagai platform media sosial. Analisis data menggunakan regresi linier berganda setelah memenuhi uji asumsi klasik. Hasil penelitian menunjukkan bahwa religiusitas berpengaruh negatif dan signifikan terhadap keputusan penggunaan PayLater BCA. Literasi keuangan berpengaruh positif dan signifikan terhadap keputusan penggunaan PayLater BCA. Secara simultan, kedua variabel independen berpengaruh signifikan. Koefisien determinasi menunjukkan bahwa religiusitas dan literasi keuangan mampu menjelaskan 43,2% variasi keputusan penggunaan PayLater BCA, sisanya dijelaskan faktor lain di luar model. Temuan ini memperkuat Theory of Planned Behavior, Religious Orientation Theory, dan literatur literasi keuangan dalam adopsi layanan Buy Now PayLater di Indonesia.
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