{"id":"https://openalex.org/W7213435804","doi":"https://doi.org/10.62794/je3s.v7i5.17","title":"The Role of Financial Literacy in Moderating the Effect of Buy Now Pay Later and Consumer Motivation on Youth Consumptive Behavior","display_name":"The Role of Financial Literacy in Moderating the Effect of Buy Now Pay Later and Consumer Motivation on Youth Consumptive Behavior","publication_year":2026,"publication_date":"2026-09-13","ids":{"openalex":"https://openalex.org/W7213435804","doi":"https://doi.org/10.62794/je3s.v7i5.17"},"language":"en","primary_location":{"id":"doi:10.62794/je3s.v7i5.17","doi":"https://doi.org/10.62794/je3s.v7i5.17","is_oa":true,"landing_page_url":"https://doi.org/10.62794/je3s.v7i5.17","pdf_url":"https://journal.feb-unm.com/index.php/JE3S/article/download/17/299","source":{"id":"https://openalex.org/S4210209357","display_name":"Journal of Economic Education and Entrepreneurship Studies","issn_l":"2722-3744","issn":["2722-3744","2776-0278"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["doaj"],"host_organization":"https://openalex.org/P4310315207","host_organization_name":"State University of Makassar","host_organization_lineage":["https://openalex.org/P4310315207"],"host_organization_lineage_names":["State University of Makassar"],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Economic Education and Entrepreneurship Studies","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://journal.feb-unm.com/index.php/JE3S/article/download/17/299","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5051073277","display_name":"Reza Anggapratama","orcid":"https://orcid.org/0009-0001-3147-2671","observed_orcids":["https://orcid.org/0009-0001-3147-2671"]},"institutions":[{"id":"https://openalex.org/I4210138249","display_name":"Universitas Bojonegoro","ror":"https://ror.org/03dxh7253","country_code":"ID","type":"education","lineage":["https://openalex.org/I4210138249"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Reza Anggapratama","raw_affiliation_strings":["Universitas Bojonegoro, Indonesia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Bojonegoro, Indonesia","institution_ids":["https://openalex.org/I4210138249"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5035361125","display_name":"Rina Sulistyowati","orcid":"https://orcid.org/0000-0003-1770-1156","observed_orcids":["https://orcid.org/0000-0003-1770-1156"]},"institutions":[{"id":"https://openalex.org/I4210138249","display_name":"Universitas Bojonegoro","ror":"https://ror.org/03dxh7253","country_code":"ID","type":"education","lineage":["https://openalex.org/I4210138249"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Rina Sulistyowati","raw_affiliation_strings":["Universitas Bojonegoro, Indonesia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Bojonegoro, Indonesia","institution_ids":["https://openalex.org/I4210138249"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5147882149","display_name":"Fharhan Hadi Sulthoni","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210138249","display_name":"Universitas Bojonegoro","ror":"https://ror.org/03dxh7253","country_code":"ID","type":"education","lineage":["https://openalex.org/I4210138249"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Fharhan Hadi Sulthoni","raw_affiliation_strings":["Universitas Bojonegoro, Indonesia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Bojonegoro, Indonesia","institution_ids":["https://openalex.org/I4210138249"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I4210138249"],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"7","issue":"5","first_page":"38","last_page":"59"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.9613999724388123,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.9613999724388123,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14244","display_name":"Consumer Behavior and Marketing Influence","score":0.03060000017285347,"subfield":{"id":"https://openalex.org/subfields/1406","display_name":"Marketing"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.004800000227987766,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/buy-now-pay-later","display_name":"buy now pay later","score":0.8669999837875366},{"id":"https://openalex.org/keywords/financial-literacy","display_name":"financial literacy","score":0.9800000190734863},{"id":"https://openalex.org/keywords/consumer-motives","display_name":"consumer motivation","score":0.9700000286102295},{"id":"https://openalex.org/keywords/overconsumption","display_name":"overconsumption","score":0.6959999799728394},{"id":"https://openalex.org/keywords/moderating-effect","display_name":"moderating effect","score":0.7689999938011169},{"id":"https://openalex.org/keywords/young-consumers","display_name":"young consumers","score":0.7889999747276306},{"id":"https://openalex.org/keywords/e-commerce-payment","display_name":"e-commerce payment","score":0.6259999871253967},{"id":"https://openalex.org/keywords/fintech","display_name":"fintech","score":0.6389999985694885}],"concepts":[{"id":"https://openalex.org/C2777941463","wikidata":"https://www.wikidata.org/wiki/Q1416374","display_name":"Financial literacy","level":2,"score":0.8240000009536743},{"id":"https://openalex.org/C2778813691","wikidata":"https://www.wikidata.org/wiki/Q1369832","display_name":"Purchasing","level":2,"score":0.611299991607666},{"id":"https://openalex.org/C30772137","wikidata":"https://www.wikidata.org/wiki/Q5164762","display_name":"Consumption (sociology)","level":2,"score":0.5896000266075134},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5555999875068665},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.5113999843597412},{"id":"https://openalex.org/C2778181486","wikidata":"https://www.wikidata.org/wiki/Q27737","display_name":"Consumer education","level":2,"score":0.4260999858379364},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.42260000109672546},{"id":"https://openalex.org/C23213687","wikidata":"https://www.wikidata.org/wiki/Q301468","display_name":"Consumer behaviour","level":2,"score":0.4203000068664551},{"id":"https://openalex.org/C93225998","wikidata":"https://www.wikidata.org/wiki/Q1941972","display_name":"Moderation","level":2,"score":0.38280001282691956},{"id":"https://openalex.org/C197902972","wikidata":"https://www.wikidata.org/wiki/Q3578714","display_name":"Consumer economics","level":4,"score":0.3813000023365021},{"id":"https://openalex.org/C547764534","wikidata":"https://www.wikidata.org/wiki/Q8236","display_name":"Literacy","level":2,"score":0.37229999899864197},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.3452000021934509},{"id":"https://openalex.org/C2780598303","wikidata":"https://www.wikidata.org/wiki/Q65921492","display_name":"Flexibility (engineering)","level":2,"score":0.33709999918937683},{"id":"https://openalex.org/C112698675","wikidata":"https://www.wikidata.org/wiki/Q37038","display_name":"Advertising","level":1,"score":0.31049999594688416},{"id":"https://openalex.org/C89785696","wikidata":"https://www.wikidata.org/wiki/Q2290753","display_name":"Theory of planned behavior","level":3,"score":0.305400013923645},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.2621000111103058}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.62794/je3s.v7i5.17","doi":"https://doi.org/10.62794/je3s.v7i5.17","is_oa":true,"landing_page_url":"https://doi.org/10.62794/je3s.v7i5.17","pdf_url":"https://journal.feb-unm.com/index.php/JE3S/article/download/17/299","source":{"id":"https://openalex.org/S4210209357","display_name":"Journal of Economic Education and Entrepreneurship Studies","issn_l":"2722-3744","issn":["2722-3744","2776-0278"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["doaj"],"host_organization":"https://openalex.org/P4310315207","host_organization_name":"State University of Makassar","host_organization_lineage":["https://openalex.org/P4310315207"],"host_organization_lineage_names":["State University of Makassar"],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Economic Education and Entrepreneurship Studies","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.62794/je3s.v7i5.17","doi":"https://doi.org/10.62794/je3s.v7i5.17","is_oa":true,"landing_page_url":"https://doi.org/10.62794/je3s.v7i5.17","pdf_url":"https://journal.feb-unm.com/index.php/JE3S/article/download/17/299","source":{"id":"https://openalex.org/S4210209357","display_name":"Journal of Economic Education and Entrepreneurship Studies","issn_l":"2722-3744","issn":["2722-3744","2776-0278"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["doaj"],"host_organization":"https://openalex.org/P4310315207","host_organization_name":"State University of Makassar","host_organization_lineage":["https://openalex.org/P4310315207"],"host_organization_lineage_names":["State University of Makassar"],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Economic Education and Entrepreneurship Studies","raw_type":"journal-article"},"sustainable_development_goals":[],"study_designs":[{"display_name":"Observational Study","id":"https://openalex.org/study-designs/observational-study"}],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7213435804.pdf","grobid_xml":"https://content.openalex.org/works/W7213435804.grobid-xml"},"referenced_works_count":43,"referenced_works":["https://openalex.org/W2954463028","https://openalex.org/W2995706332","https://openalex.org/W3166265104","https://openalex.org/W3215847082","https://openalex.org/W4206143550","https://openalex.org/W4225120262","https://openalex.org/W4281783035","https://openalex.org/W4312191628","https://openalex.org/W4315491453","https://openalex.org/W4317930279","https://openalex.org/W4318457133","https://openalex.org/W4366278357","https://openalex.org/W4367318357","https://openalex.org/W4377101145","https://openalex.org/W4384702644","https://openalex.org/W4386890550","https://openalex.org/W4387058374","https://openalex.org/W4388458701","https://openalex.org/W4388925613","https://openalex.org/W4391322104","https://openalex.org/W4391487137","https://openalex.org/W4391549030","https://openalex.org/W4393046655","https://openalex.org/W4393131662","https://openalex.org/W4396932527","https://openalex.org/W4399180762","https://openalex.org/W4399268082","https://openalex.org/W4400976971","https://openalex.org/W4401711812","https://openalex.org/W4406562261","https://openalex.org/W4407049287","https://openalex.org/W4408106100","https://openalex.org/W4408953936","https://openalex.org/W4409503103","https://openalex.org/W4410216145","https://openalex.org/W4416093706","https://openalex.org/W6927395066","https://openalex.org/W7105649700","https://openalex.org/W7125429365","https://openalex.org/W7125783300","https://openalex.org/W7125957786","https://openalex.org/W7165627801","https://openalex.org/W7166730879"],"related_works":["https://openalex.org/W7204054428","https://openalex.org/W4411229944","https://openalex.org/W7213455845","https://openalex.org/W7220079780","https://openalex.org/W7162491171","https://openalex.org/W7111640944","https://openalex.org/W7117651687","https://openalex.org/W4402999931","https://openalex.org/W7167894549","https://openalex.org/W7171801218"],"abstract_inverted_index":{"The":[0,23,87,117,147,223],"rapid":[1],"development":[2],"of":[3,16,26,65,81,131,144,228],"financial":[4,82,145,166,176,204,230],"technology":[5],"has":[6],"significantly":[7,168],"transformed":[8],"consumer":[9,69,135,154,195],"payment":[10],"systems,":[11],"particularly":[12],"through":[13,105],"the":[14,63,78,128,141,179,191,219,226],"emergence":[15],"Buy":[17],"Now":[18],"Pay":[19],"Later":[20],"(BNPL)":[21],"services.":[22],"increasing":[24],"accessibility":[25],"BNPL":[27,66,132,151,183,236],"features":[28],"on":[29,71,137,161,218],"e-commerce":[30],"platforms":[31],"provides":[32],"greater":[33],"purchasing":[34],"flexibility":[35],"for":[36],"consumers,":[37],"especially":[38],"young":[39,92,241],"people":[40],"who":[41],"are":[42],"highly":[43],"engaged":[44],"in":[45,84,94,173],"digital":[46],"transactions.":[47],"However,":[48],"this":[49,58],"convenience":[50],"may":[51],"also":[52,239],"encourage":[53],"excessive":[54],"consumption":[55,244],"behavior.":[56,164,199],"Therefore,":[57],"study":[59,224],"aims":[60],"to":[61,76,110,126],"examine":[62,127],"effects":[64,130,143,160],"usage":[67,133,152,184],"and":[68,75,134,140,153,158,185,197,248],"motivation":[70,136,155,196],"youth":[72,162],"consumptive":[73,138,163,186,198,210],"behavior":[74,139,211],"investigate":[77],"moderating":[79,142,215],"role":[80],"literacy":[83,167,177,205,231],"these":[85],"relationships.":[86],"research":[88,100],"was":[89],"conducted":[90],"among":[91],"consumers":[93,242],"Pungpungan":[95],"Village":[96],"using":[97,114,121],"a":[98,106],"quantitative":[99],"approach.":[101],"Data":[102],"were":[103,119],"collected":[104],"structured":[107],"questionnaire":[108],"distributed":[109],"150":[111],"respondents":[112],"selected":[113],"purposive":[115],"sampling.":[116],"data":[118],"analyzed":[120],"Moderated":[122],"Regression":[123],"Analysis":[124],"(MRA)":[125],"direct":[129],"literacy.":[146],"results":[148],"indicate":[149,202],"that":[150,203,233],"have":[156],"positive":[157,180,192],"significant":[159],"Furthermore,":[165],"moderates":[169],"both":[170],"relationships,":[171],"but":[172,212],"different":[174,214],"directions:":[175],"strengthens":[178],"relationship":[181,193],"between":[182,194],"behavior,":[187],"while":[188,238],"it":[189],"weakens":[190],"These":[200],"findings":[201],"does":[206],"not":[207],"uniformly":[208],"reduce":[209],"plays":[213],"roles":[216],"depending":[217],"underlying":[220],"behavioral":[221],"driver.":[222],"highlights":[225],"importance":[227],"strengthening":[229],"initiatives":[232],"address":[234],"responsible":[235],"use":[237],"helping":[240],"regulate":[243],"driven":[245],"by":[246],"personal":[247],"lifestyle":[249],"motivations.":[250]},"counts_by_year":[],"updated_date":"2026-11-13T13:42:25.865203","created_date":"2026-09-17T00:00:00"}
