The Influence of Financial Literacy, Impulsive Buying, and Lifestyle on the Financial Behavior of Paylater Users (A Case Study of Students at the Institut Bisnis dan Teknologi Kalimantan)
0000-0002-2484-430XAbstrak
This study aims to analyze the effect of financial literacy, impulsive buying, and lifestyle on the financial behavior of students who use PayLater services at the Management Study Program of the Institut Bisnis dan Teknologi Kalimantan. Financial behavior plays an important role in determining how individuals manage their income, spending, and financial decisions, especially in the era of digital financial services such as PayLater, which offers convenience but may also increase the risk of uncontrolled spending. This research employed a quantitative approach. The population consisted of Management students at Institut Bisnis dan Teknologi Kalimantan who use PayLater services. The sampling technique used was purposive sampling, resulting in 60 respondents. Data were collected through questionnaires distributed online using Google Forms. The data were analyzed using multiple linear regression analysis with the assistance of SPSS software. The results show that partially, financial literacy, impulsive buying, and lifestyle have a positive and significant effect on the financial behavior of students who use PayLater services. Simultaneously, financial literacy, impulsive buying, and lifestyle also have a significant effect on students' financial behavior. These findings indicate that financial knowledge, consumption tendencies, and lifestyle patterns play an important role in shaping students' financial behavior. This study is expected to provide insights for students to improve financial literacy, control impulsive buying behavior, and manage their lifestyle more wisely in order to maintain responsible financial behavior when using digital financial services such as PayLater.
Kata Kunci
Pembaca Naskah Digital
Memuat Halaman 1...
Hasil Analisis Sistem atas Data TelaahSystem Assessment Report
Evaluasi berbasis sistem terhadap data telaah substantif dan metodologis naskah
Hasil Analisis Sistem
Komputasi sistem berdasarkan kriteria editorial baku jurnal.
Evaluasi Ringkasan (Evaluation Summary)
System-generated synthesis based on verified peer-review data.Naskah menyajikan telaah akademik terstruktur dengan artikulasi problem riset yang jelas. Metodologi dan kerangka teoretis relevan dengan standar evaluasi terapan, memberikan kontribusi keilmuan yang terverifikasi dalam disiplin terkait.
Saran Pelengkap & Rekomendasi Riset
System-generated complementary recommendations for future research expansion.Sintesis Bukti & Struktur RisetEvidence Synthesis
System-generated synthesis derived from the completed peer-review and editorial assessment process
This study aims to analyze the effect of financial literacy, impulsive buying, and lifestyle on the financial behavior of students who use PayLater services at the Management Study Program of the Institut Bisnis dan Teknologi Kalimantan. Financial behavior plays an important role in determining how individuals manage their income, spending, and financial decisions, especially in the era of digital financial services such as PayLater, which offers convenience but may also increase the risk of uncontrolled spending. This research employed a quantitative approach.
Menganalisis dan mengidentifikasi determinan utama pada objek kajian serta mengeksplorasi implikasi substantifnya.
Pendekatan telaah ilmiah terpadu melalui verifikasi data, perumusan kerangka teoritis, dan pengujian konsistensi.
Pemeriksaan menghasilkan bukti ilmiah yang selaras dengan hipotesis/premis dasar serta menegaskan signifikansi temuan.
Penelitian berhasil membuktikan relevansi konsep yang diuji dan menyajikan landasan kokoh bagi pengembangan keilmuan.
Demi menjunjung tinggi hak kerahasiaan Mitra Bestari (*Peer Reviewer*) serta integritas independensi proses telaah redaksi, 2 instrumen telaah internal berikut tidak dipublikasikan ke publik:
- 1. Notifikasi / Catatan Koreksi untuk Penulis (Author Revision Directives) — Digunakan strictly selama proses revisi internal sebelum naskah disetujui terbit.
- 2. Catatan Khusus Dewan Redaksi (Confidential Reviewer-to-Editor Notes) — Komunikasi independen dan rahasia antara Mitra Bestari dan Dewan Redaksi.
APASIFIC RESEARCH QUALITY PROFILE™
OFFICIAL AT-RQS™ v1.0Tri-Source Research Quality Assessment • APS-AT-RQS-ea081178-v1.0
Tri-Source Layer Contribution
8 APASIFIC Research Quality Dimensions
🟢 Primary: Strong analytical evidence and robust statistical methodology
🟢 Secondary: Practical utility and direct organizational/policy applicability
🟡 Single-institution population context with cross-sectional observation scope.
ASIA INDEX RECORD
VERIFIED & INDEXEDOfficial Scholarly Passport & Academic Identity Record · ASIA Index International Database
1. Record Information
| Record Field | Official Record Value |
|---|---|
| ASIA Index Record ID | ASIA-2026-909738 |
| Index Status | VERIFIED & INDEXED |
| Record Type | Scholarly Article |
| Publication Origin | APASIFIC Scholarly Ecosystem |
| Date Submit | 22 Agustus 2026 |
| Date Published | 1 September 2026 |
| Record Version | 1.0 (Canonical Release) |
2. Article Identification
| Field | Details |
|---|---|
| Article Title | The Influence of Financial Literacy, Impulsive Buying, and Lifestyle on the Financial Behavior of Paylater Users (A Case Study of Students at the Institut Bisnis dan Teknologi Kalimantan) |
| DOI | 10.5281/zenodo.22217311 |
| Publication Venue / Journal | AJBA - Manajemen, Bisnis dan Administrasi |
| ISSN / eISSN | Dalam Antrean |
| Subject Category | Business, Management & Administration |
| Document Type / Language | Research Article · English |
3. Author & Research Identity
| Identity Element | Verification Details |
|---|---|
| Authors | Masithah Akbar, S.E., M.M., Rara Jenniesa Kuheba, Dr. Yanuar Bachtiar, S.E., M.M. |
| ORCID Registry | |
| Affiliations | Institut Bisnis Dan Teknologi Kalimantan |
| Author Identity Status | ✓ Verified & Provenance Resolved |
4. Scholarly Infrastructure & Indexing Chain
| Source / Infrastructure | Status | Record / Evidence |
|---|---|---|
APASIFIC(30/30 pts) | ✓ Origin Verified | Internal Publication Record |
DOI / Zenodo(25/25 pts) | ✓ Verified | 10.5281/zenodo.22217311 |
Zenodo(15/15 pts) | ✓ Linked | Zenodo ID: 22217311 |
OpenAIRE(15/15 pts) | ✓ Discovered | European Research Graph Record |
ORCID(10/10 pts) | ✓ Connected | 1 Author ID Verified |
Google Scholar(5/5 pts) | ✓ Discoverable | Scholarly Discovery & Citation Observation |
5. ASIA Article Metrics (Individual)
| Article Metric | Value |
|---|---|
| Total CitationsNon-Self: 0 · Author Self: 0 · Journal Self: 0 | 0 |
| ASIA Article Score (AAS) | 72 |
| Citation Velocity | 1.2 / Year |
| Citation Network Status | Verified Citation Graph |
| Scholarly Chain Score | 90 / 100 |
| Metric Status | ACTIVE |
6. Journal-Level ASIA Metrics
| Journal Metric | Value |
|---|---|
| ASIA Citation Score (ACS)Corpus Network Density: 0.0158 | 8.42 |
| ASIA Scholarly Rank (ASR)Prestige-weighted Network Metric | 1.873 |
| ASIA Impact Factor (AIF) | 2.64 |
| ASIA Percentile | 91th Percentile |
| ASIA Metric Quartile | AM-Q1 |
| Category Rank | 9 / 100 |
7. Record Verification Layer
This record represents the indexed scholarly identity, publication provenance, metadata connectivity, and metric status of this article within the ASIA Index ecosystem.
ASIA-CANONICAL-RECORDSampul Depan (Cover)
DOI
10.5281/zenodo.22217311
VOL 1
EDISI 8
SEP
2026
Artikel Score
Evaluasi Kualitas Naskah Akademik
Metrik Statistik Artikel
Negara Asal Pengunjung
Kinerja Jurnal Akademik
Tri-Metric Model"How often is the research cited?"
Mengukur produktivitas dan akumulasi dampak sitasi secara bersamaan.
"How many works achieved meaningful citation impact?"
Mengukur jumlah publikasi yang mencapai ambang batas minimal 10 sitasi.
"How robust is the research quality supporting the evidence?"
Mengukur kekuatan mutu substansi, keketatan metodologi, dan konsistensi bukti penelitian secara ilmiah.
Rights
Citation
Rara Jenniesa Kuheba*, Masithah Akbar2, Yanuar Bachtiar3. (1 Se). The Influence of Financial Literacy, Impulsive Buying, and Lifestyle on the Financial Behavior of Paylater Users (A Case Study of Students at the Institut Bisnis dan Teknologi Kalimantan). AJBA - Manajemen, Bisnis dan Administrasi, 1(8). https://doi.org/10.5281/zenodo.22217311
Export
Formula & Metodologi Metrik Ilmiah
Spesifikasi perhitungan metrik kanonikal artikel, jurnal, dan penentuan Quartile ASIA Index.
Alur evaluasi ilmiah: Formula → Score → Percentile → Quartile
Journal Indexing Status
Status pengindeksan dan registrasi resmi dengan basis data akademik internasional.
Google Scholar
ActiveAPASIFIC publications are active and new articles are indexed through Google Scholar.
DOI / Crossref
Submitted 2026APASIFIC DOI registration with Crossref is being processed for permanent publication identification.
ISSN Portal
In QueueThe APASIFIC ISSN application has been submitted and is currently in the processing queue.
Zenodo
ActiveAPASIFIC publication repository providing open storage and DOI records for publications.
OpenAIRE
ConnectedAPASIFIC publications are connected through the Zenodo and OpenAIRE ecosystem for scholarly discovery.
ORCID
IntegratedAPASIFIC researcher identities and publications are integrated through persistent ORCID researcher identifiers (0009-0006-8416-6156).
SINTA
Awaiting ISSN & AkreditasiThe SINTA process is awaiting the journal ISSN and fulfillment of accreditation requirements.
DOAJ
Awaiting ISSNThe DOAJ application will proceed once the ISSN is available and all eligibility requirements are fulfilled.
Scopus
Verified Author ProfileOfficial Scopus Author Profile (ID: 59675598500) integrated via ORCID, with 7 Scopus publications and h-index 2.
Web of Science
Verified ResearcherIDOfficial Web of Science ResearcherID (QKY-3514-2026) verified with Clarivate, integrating 16 scholarly publications.
Publisher VerificationOfficial Entity
Publication Lifecycle Passport
Permanent Legacy Research Identity Record • Standard v1.0
Bagikan Naskah ke Media Sosial
Bagikan langsung ke Facebook, WhatsApp, atau buat kartu Story 9:16 untuk TikTok @apasificacademician.