Pengaruh literasi keuangan, promosi, dan hedonisme terhadap penggunaan paylater pada ibu rumah tangga di Kota Pontianak

Fitri, Urai Deby Tri and Mardiana, Mardiana ORCID: https://orcid.org/0000-0003-1722-0248 (2025) Pengaruh literasi keuangan, promosi, dan hedonisme terhadap penggunaan paylater pada ibu rumah tangga di Kota Pontianak. Ekonomis: Journal of Economics and Business, 9 (2). pp. 1434-1440. ISSN 25978829

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Abstract

This study aims to analyze the factors driving the use of PayLater services among housewives in Pontianak, with a focus on financial literacy, promotions, and hedonistic motivations. With the development of digital payment systems, PayLater services, which offer delayed payment options, have become increasingly popular among consumers. This study used a quantitative approach with a purposive sampling technique to survey 97 housewives in Pontianak. Data were collected through a questionnaire designed to measure financial literacy, the influence of promotions, hedonism, and the use of PayLater services using multiple linear regression analysis. The results show that financial literacy, promotions, and hedonism have a significant influence on the decision to use PayLater services, with promotions and hedonism having a stronger influence than financial literacy. Special offers such as discounts and cashback encourage usage, while the hedonistic desire for immediate gratification and consumption also plays a significant role.

Item Type:	Journal Article
Additional Information:	Pengaruh literasi keuangan, promosi, dan hedonisme terhadap penggunaan paylater pada ibu rumah tangga di Kota Pontianak
Keywords:	literasi keuangan; promosi; hedonisme; layanan PayLater; ibu rumah tangga; perilaku keuangan digital
Subjects:	14 ECONOMICS > 1402 Applied Economics > 140207 Financial Economics
Divisions:	Faculty of Economics > Department of Management
Depositing User:	mardiana mardiana
Date Deposited:	18 Nov 2025 14:30

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