Buy Now Pay Later dan Generasi Z: Dampaknya terhadap Manajemen Keuangan dan Perilaku Berutang di Sulawesi Barat

Rahmat Hidayat

doi:10.53697/emak.v6i3.2921

Authors

Rahmat Hidayat Universitas Tomakaka

DOI:

https://doi.org/10.53697/emak.v6i3.2921

Keywords:

Buy Now Pay Later, Generasi Z, Manajemen Keuangan, Perilaku Berutang, Fintech

Abstract

Perkembangan teknologi finansial (financial technology/fintech) telah melahirkan berbagai inovasi layanan keuangan digital, salah satunya Buy Now Pay Later (BNPL). Layanan ini semakin populer di kalangan Generasi Z karena menawarkan kemudahan transaksi, fleksibilitas pembayaran, serta promosi menarik. Namun, di balik manfaat tersebut, BNPL juga menimbulkan tantangan berupa potensi meningkatnya perilaku konsumtif dan kecenderungan berutang. Penelitian ini bertujuan untuk menganalisis dampak penggunaan BNPL terhadap perilaku manajemen keuangan dan perilaku berutang Generasi Z di Sulawesi Barat. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei terhadap 100 responden Generasi Z yang dipilih melalui teknik purposive sampling. Analisis data dilakukan menggunakan Partial Least Square – Structural Equation Modeling (PLS-SEM) dengan perangkat lunak SmartPLS 4.0. Hasil penelitian menunjukkan bahwa BNPL berpengaruh signifikan terhadap perilaku manajemen keuangan (koefisien = 0,737; p < 0,05) dan perilaku berutang (koefisien = 0,804; p < 0,05). Nilai R-Square memperlihatkan bahwa BNPL mampu menjelaskan 54,3% variasi perilaku manajemen keuangan dan 64,6% variasi perilaku berutang. Temuan ini menegaskan bahwa semakin tinggi penggunaan BNPL, semakin besar pula pengaruhnya terhadap pengelolaan keuangan sekaligus kecenderungan berutang pada Generasi Z. Penelitian ini memberikan kontribusi teoretis dalam memperkaya literatur tentang perilaku keuangan generasi muda dalam konteks fintech, serta memberikan implikasi praktis bagi perlunya peningkatan literasi keuangan digital untuk mengurangi dampak negatif penggunaan BNPL.

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