{"id":"https://openalex.org/W7225459845","doi":"https://doi.org/10.55606/jaemb.v6i3.12131","title":"Penggunaan PayLater Mahasiswa Universitas Swasta di Kota Semarang: Peran Financial Self-Efficacy dalam Mediasi Pengaruh Literasi Keuangan terhadap Risky Credit Behaviour","display_name":"Penggunaan PayLater Mahasiswa Universitas Swasta di Kota Semarang: Peran Financial Self-Efficacy dalam Mediasi Pengaruh Literasi Keuangan terhadap Risky Credit Behaviour","publication_year":2026,"publication_date":"2026-11-06","ids":{"openalex":"https://openalex.org/W7225459845","doi":"https://doi.org/10.55606/jaemb.v6i3.12131"},"language":"en","primary_location":{"id":"doi:10.55606/jaemb.v6i3.12131","doi":"https://doi.org/10.55606/jaemb.v6i3.12131","is_oa":true,"landing_page_url":"https://doi.org/10.55606/jaemb.v6i3.12131","pdf_url":null,"source":{"id":"https://openalex.org/S4387285814","display_name":"Jurnal Akuntansi Ekonomi dan Manajemen Bisnis","issn_l":"2809-6487","issn":["2809-6487","2809-655X"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"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":"Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://doi.org/10.55606/jaemb.v6i3.12131","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5106251623","display_name":"Muhammad Taufiq Saputra","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210127958","display_name":"Universitas Dian Nuswantoro","ror":"https://ror.org/02csxcg02","country_code":"ID","type":"education","lineage":["https://openalex.org/I4210127958"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Muhammad Taufiq Saputra","raw_affiliation_strings":["Universitas Dian Nuswantoro"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Dian Nuswantoro","institution_ids":["https://openalex.org/I4210127958"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5062554211","display_name":"Linda Ayu Oktoriza","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210127958","display_name":"Universitas Dian Nuswantoro","ror":"https://ror.org/02csxcg02","country_code":"ID","type":"education","lineage":["https://openalex.org/I4210127958"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Linda Ayu Oktoriza","raw_affiliation_strings":["Universitas Dian Nuswantoro"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Dian Nuswantoro","institution_ids":["https://openalex.org/I4210127958"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5023795265","display_name":"Ariati Anomsari","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210127958","display_name":"Universitas Dian Nuswantoro","ror":"https://ror.org/02csxcg02","country_code":"ID","type":"education","lineage":["https://openalex.org/I4210127958"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Ariati Anomsari","raw_affiliation_strings":["Universitas Dian Nuswantoro"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Dian Nuswantoro","institution_ids":["https://openalex.org/I4210127958"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5101805737","display_name":"Diana Puspitasari","orcid":"https://orcid.org/0000-0002-5673-4893","observed_orcids":["https://orcid.org/0000-0002-5673-4893"]},"institutions":[{"id":"https://openalex.org/I4210127958","display_name":"Universitas Dian Nuswantoro","ror":"https://ror.org/02csxcg02","country_code":"ID","type":"education","lineage":["https://openalex.org/I4210127958"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Diana Puspitasari","raw_affiliation_strings":["Universitas Dian Nuswantoro"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Dian Nuswantoro","institution_ids":["https://openalex.org/I4210127958"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I4210127958"],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":false,"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":"6","issue":"3","first_page":"2240","last_page":"2261"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.9980000257492065,"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":0.9980000257492065,"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/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.0015999999595806003,"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"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.0,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/paylater","display_name":"paylater","score":0.9549999833106995},{"id":"https://openalex.org/keywords/financial-self-efficacy","display_name":"financial self-efficacy","score":0.9300000071525574},{"id":"https://openalex.org/keywords/financial-literacy","display_name":"financial literacy","score":0.8619999885559082},{"id":"https://openalex.org/keywords/generation-z","display_name":"Generation Z","score":0.8050000071525574},{"id":"https://openalex.org/keywords/college-students","display_name":"university students","score":0.8190000057220459},{"id":"https://openalex.org/keywords/private-universities","display_name":"private universities","score":0.6679999828338623},{"id":"https://openalex.org/keywords/theory-of-planned-behavior","display_name":"theory of planned behavior","score":0.7979999780654907},{"id":"https://openalex.org/keywords/mediating-effect","display_name":"mediating effect","score":0.5759999752044678},{"id":"https://openalex.org/keywords/semarang","display_name":"Semarang","score":0.6840000152587891}],"concepts":[{"id":"https://openalex.org/C2777941463","wikidata":"https://www.wikidata.org/wiki/Q1416374","display_name":"Financial literacy","level":2,"score":0.8751000165939331},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.48240000009536743},{"id":"https://openalex.org/C134121241","wikidata":"https://www.wikidata.org/wiki/Q899301","display_name":"Yield (engineering)","level":2,"score":0.4277999997138977},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.41679999232292175},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.3440000116825104},{"id":"https://openalex.org/C2778137410","wikidata":"https://www.wikidata.org/wiki/Q2732820","display_name":"Government (linguistics)","level":2,"score":0.34360000491142273},{"id":"https://openalex.org/C70179600","wikidata":"https://www.wikidata.org/wiki/Q1416547","display_name":"Financial plan","level":2,"score":0.33059999346733093},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.3197999894618988},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.3149000108242035},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.30660000443458557},{"id":"https://openalex.org/C130731218","wikidata":"https://www.wikidata.org/wiki/Q1363554","display_name":"Financial analysis","level":2,"score":0.290800005197525},{"id":"https://openalex.org/C2993791488","wikidata":"https://www.wikidata.org/wiki/Q676459","display_name":"Bank account","level":3,"score":0.27230000495910645},{"id":"https://openalex.org/C100363876","wikidata":"https://www.wikidata.org/wiki/Q690661","display_name":"Nonprobability sampling","level":3,"score":0.26759999990463257},{"id":"https://openalex.org/C120912362","wikidata":"https://www.wikidata.org/wiki/Q136822","display_name":"Higher education","level":2,"score":0.2542000114917755}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.55606/jaemb.v6i3.12131","doi":"https://doi.org/10.55606/jaemb.v6i3.12131","is_oa":true,"landing_page_url":"https://doi.org/10.55606/jaemb.v6i3.12131","pdf_url":null,"source":{"id":"https://openalex.org/S4387285814","display_name":"Jurnal Akuntansi Ekonomi dan Manajemen Bisnis","issn_l":"2809-6487","issn":["2809-6487","2809-655X"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"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":"Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.55606/jaemb.v6i3.12131","doi":"https://doi.org/10.55606/jaemb.v6i3.12131","is_oa":true,"landing_page_url":"https://doi.org/10.55606/jaemb.v6i3.12131","pdf_url":null,"source":{"id":"https://openalex.org/S4387285814","display_name":"Jurnal Akuntansi Ekonomi dan Manajemen Bisnis","issn_l":"2809-6487","issn":["2809-6487","2809-655X"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"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":"Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis","raw_type":"journal-article"},"sustainable_development_goals":[{"score":0.4156000018119812,"display_name":"Quality education","id":"https://metadata.un.org/sdg/4"}],"study_designs":[{"display_name":"Observational Study","id":"https://openalex.org/study-designs/observational-study"}],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W4380088781","https://openalex.org/W7218371076","https://openalex.org/W4402611712","https://openalex.org/W7167217651","https://openalex.org/W7037386353","https://openalex.org/W4409909290","https://openalex.org/W4396806935","https://openalex.org/W7220030056","https://openalex.org/W4410716678","https://openalex.org/W7215188299"],"abstract_inverted_index":{"Based":[0],"on":[1,32,71,89,115],"2025":[2],"data,":[3],"the":[4,24,55,122],"use":[5],"of":[6,26,57],"\u201cPayLater\u201d":[7],"services":[8],"reached":[9],"31%":[10],"and":[11,28,97,107,118,126,130,143,145,157],"showed":[12],"an":[13],"upward":[14],"trend":[15],"among":[16,43],"college":[17],"students.":[18],"This":[19,52],"study":[20,53],"aims":[21],"to":[22,138,161],"analyze":[23],"influence":[25,114],"objective":[27,82,106,125],"subjective":[29,94,108,127],"financial":[30,37,83,95,98,109,116,119,128,141,159],"literacy":[31,84,96,110,129,160],"risky":[33,90,131],"credit":[34,91,132],"behaviour,":[35,92],"with":[36,68],"self-efficacy":[38,99,120],"as":[39,152],"a":[40,65,86,101,112],"mediating":[41],"variable,":[42],"Generation":[44],"Z":[45],"students":[46,135],"at":[47],"private":[48],"universities":[49],"in":[50],"Semarang.":[51],"employs":[54],"Theory":[56],"Planned":[58],"Behavior":[59],"(TPB).":[60],"The":[61,78],"methodology":[62],"used":[63],"is":[64],"quantitative":[66],"approach":[67],"SEM-PLS":[69],"analysis":[70],"180":[72],"respondents":[73],"selected":[74],"via":[75],"purposive":[76],"sampling.":[77],"results":[79],"indicate":[80],"that":[81],"has":[85],"positive":[87,113],"effect":[88],"while":[93],"have":[100,111],"significant":[102],"negative":[103],"effect.":[104],"Furthermore,":[105],"self-efficacy,":[117],"mediates":[121],"relationship":[123],"between":[124],"behaviour.":[133],"Therefore,":[134],"are":[136],"advised":[137],"improve":[139],"their":[140],"planning":[142],"self-control,":[144],"future":[146],"research":[147],"should":[148],"include":[149],"variables":[150],"such":[151],"consumptive":[153],"behavior,":[154],"social":[155],"influence,":[156],"digital":[158],"yield":[162],"more":[163],"comprehensive":[164],"results.":[165]},"counts_by_year":[],"updated_date":"2026-11-10T11:39:43.021295","created_date":"2026-11-08T00:00:00"}
