The Effect of Theory of Planned Behavior, Financial Literacy, and Social Influence on Interest Using Paylater Among Students in Jember Regency

  • Bariroh Indana Zulfa Institute of Technology and Science Mandala
  • Nurshadrina Kartika Sari Institute of Technology and Science Mandala
  • Mainatul Ilmi Institute of Technology and Science Mandala
DOI: https://doi.org/10.31967/icebit.v6i1.1663

Abstract

This research aims to determine the influence of Attitude Toward Behavior, Subjective Norms, Perceived Behavior Control, Financial Literacy, and Social Influence have a significant simultaneous effect on Interest in Using Paylater in Jember Regency. The research was conducted in Jember Regency, with a total of 398 respondents. The method used is a quantitative approach with multiple linear regression analysis techniques using SPSS software. The results of the analysis show that partially, the variables Financial Literacy and Social Influence have a significant effect on Interest in Using Paylater. Meanwhile, the variables Attitude Toward Behavior, Subjective Norms, Perceived Behavior Control did not show a significant influence. Simultaneously, these five independent variables have a significant effect on taxpayer compliance. The coefficient of determination (R2) value of 0.483 indicates that 48.3% of the variation in interest in using paylater can be explained by the variables in this study, while the remainder is influenced by other factors outside the model.

 

Keywords: TPB, Interest in Using Paylater, Jember Regency

Published
2025-09-30
Issue
Vol 6 No 1 (2025): Proceeding International Conference on Economics, Business and Information Technology
Section
Articles