Determinasi Niat Menggunakan Buy Now, Pay Later (BNPL) di Kalangan Mahasiswa: Peran Sikap, Persepsi Risiko, dan Literasi Keuangan
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Penelitian ini mengkaji faktor-faktor yang memengaruhi niat mahasiswa menggunakan Buy Now, Pay Later (BNPL) dengan menempatkan literasi keuangan dan persepsi risiko sebagai determinan, serta sikap sebagai variabel mediasi. Studi menggunakan pendekatan kuantitatif melalui survei pada 138 mahasiswa yang diperoleh dengan convenience sampling. Instrumen diukur menggunakan skala Likert 1–5 untuk konstruk literasi keuangan, persepsi risiko, sikap terhadap BNPL, dan niat penggunaan. Data dianalisis menggunakan Partial Least Squares–Structural Equation Modeling (PLS-SEM) dengan evaluasi model pengukuran (loading, reliabilitas, AVE) dan model struktural melalui bootstrapping. Hasil menunjukkan persepsi risiko berpengaruh negatif signifikan terhadap sikap (β = −0,379; p < 0,001) dan niat (β = −0,134; p = 0,020). Sikap menjadi prediktor terkuat niat (β = 0,721; p < 0,001) serta memediasi secara parsial pengaruh persepsi risiko terhadap niat (β tidak langsung = −0,273; p < 0,001). Literasi keuangan tidak berpengaruh signifikan terhadap sikap, namun menekan niat secara langsung (β = −0,167; p = 0,002). Model menjelaskan 68,2% variasi niat (R² = 0,682).
Kata Kunci: buy now, pay later; literasi keuangan; persepsi risiko; sikap; niat penggunaan
Teks Lengkap:
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DOI: https://doi.org/10.37531/yume.v9i1.11379
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