Pengaruh financial literacy terhadap risky credit behaviour melalui self efficacy dan financial stress sebagai moderasi pada pengguna kredivo di Tangerang = Effect of Financial Literacy on Risky Credit Behavior through Self Efficacy with Financial Stress as Moderation on Kredivo Users in Tangerang

Setiawan, William Surya (2021) Pengaruh financial literacy terhadap risky credit behaviour melalui self efficacy dan financial stress sebagai moderasi pada pengguna kredivo di Tangerang = Effect of Financial Literacy on Risky Credit Behavior through Self Efficacy with Financial Stress as Moderation on Kredivo Users in Tangerang. Bachelor thesis, Universitas Pelita Harapan.

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Abstract

Kredit konsumen online menyediakan banyak metode yang nyaman bagi masyarakat untuk menghindari kendala keuangan individu mereka, tetapi juga menantang literasi keuangan mereka. Hal ini menimbulkan perilaku kredit berisiko yang dilakukan oleh para pengguna kredit konsumen online seperti Kredivo. Penelitian ini bertujuan untuk mengetahui Pengaruh Financial Literacy terhadap Risky Credit Behaviour melalui Self Efficacy dengan Financial Stress sebagai moderasi pada pengguna Kredivo di Tangerang.Populasi dalam penelitian ini adalah pengguna Kredivo di Tangerang. Jumlah sampel yang digunakan sebanyak 160 orang responden. Teknik pengambilan sampel penelitian menggunakan purposive sampling. Analisis data dalam penelitian menggunakan analisis regresi dengan bantuan program SPSS. Hasil penelitian ini memperlihatkan bahwa literasi keuangan dan self-efficacy berpengaruh negatif dan signifikan terhadap risky credit behaviour. Selain itu juga ditemukan bahwa literasi keuangan berpengaruh negatif dan signifikan terhadap risky credit behaviour. Oleh karena itu penelitian ini juga menemukan bahwa self-efficacy dapat menjadi mediasi bagi hubungan antara literasi keuangan dengan risky credit behaviour. Penelitian ini juga menambahkan bahwa financial stress dapat menjadi moderasi bagi hubungan antara literasi euangan dengan risky credit behaviour/Online consumer credit provides many convenient methods for people to avoid their individual financial constraints, but also challenges their financial literacy. This raises risky credit behavior carried out by online consumer credit users such as Kredivo. This research aims to find out the Effect of Financial Literacy on Risky Credit Behavior through Self Efficacy with Financial Stress as moderation on Kredivo users in Tangerang. The population in this study was Kredivo users in Tangerang. The number of samples used was 160 respondents. Research sampling techniques use purposive sampling. Data analysis in research uses regression analysis with the help of the SPSS program. The results of this study show that financial literacy and self-efficacy have a negative and significant effect on risky credit behavior. In addition, it was also found that financial literacy had a negative and significant effect on risky credit behavior. Therefore this study also found that self-efficacy can be mediation for the relationship between financial literacy and risk credit behavior. The study also added that financial stress can be moderation for the relationship between financial literacy and risky credit behavior

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