PENGARUH LITERASI KEUANGAN DAN GAYA HIDUP TERHADAP PENGUNAAN PAYLATER OLEH KARYAWAN DENGAN KONTROL DIRI SEBAGAI VARIABEL INTERVENING ( STUDI KASUS KARYAWAN PT. KENLEE INDONESIA)

This research aims to analyze the impact of financial literacy and lifestyle on the use of Paylater by employees of PT. Kenlee Indonesia, with self-control as an intervening variable. The research approach employs a quantitative method with a causal associative design. The sampling technique used is non-probability purposive sampling, resulting in 140 respondents who are employees of PT. Kenlee Indonesia, Sukabumi branch. Data were collected through closed questionnaires using a 5-point Likert scale and analyzed using Partial Least Squares - Structural Equation Modeling (PLS-SEM) software, SmartPLS 4. The results indicate that financial literacy does not significantly affect the use of Paylater, while lifestyle has a positive and significant impact on the use of Paylater. Both financial literacy and lifestyle positively and significantly affect self-control. Self-control also has a positive and significant influence on the use of Paylater. Furthermore, financial literacy and lifestyle significantly affect the use of Paylater through self-control as a mediating variable. These findings emphasize the importance of self-control in linking financial literacy and lifestyle to the behavior of Paylater usage among employees.
Keywords: Financial Literacy, Lifestyle, Self-Control, Use of Paylater, Employees.