Pengaruh Financial Planning dan Managing Liability terhadap Financial Inclusion (Studi Kasus Shopee PayLater)

Ela Elliyana, Nurhaedah Nurhaedah, Fahri Eka Oktora, Dony Oktariswan


The purpose of this study was to determine the effect of Financial planning and Managing liability on financial inclusion case study on active shopee paylater users in Indonesia. The research was conducted in Indonesia, the research period was July-September 2023.  The research population is active shopee paylater users in Indonesia whose exact number cannot be known. This study used Non-probability Purposive Sampling technique and for a sample of 116 respondents, but less than 100 complete questionnaires were considered usable.  The results showed that financial planning and managing liability affect financial inclusion access to shopee paylater financing, including through ease of administration and ease of use. Shopee PayLater is accessible to a wide range of users, including those in underserved or remote areas, and makes it available to individuals who may not have had access to similar financial services before.

Keywords: Financial Planning; Financial Inclusion; Managing Liability; Buy Now PayLater


Tujuan dari penelitian ini adalah untuk mengetahui pengaruh Financial planning dan Managing liability terhadap financial inclusion study kasus pada pengguna aktif shopee paylater di Indonesia. Penelitian dilakukan di Indonesia, periode penelitian Juli - September 2023.  Populasi penelitian adalah pengguna aktif shopee payLater di Indonesia yang tidak dapat diketahui jumlah pastinya. Penelitian ini menggunakan teknik Non-probability Purposive Sampling dan untuk sampel sebanyak 116 responden, namun kurang dari 100 kuesioner yang lengkap dianggap dapat digunakan.  Hasil penelitian menunjukkan bahwa financial planning dan managing liability berpengaruh terhadap financial inclusion akses ke pembiayaan shopee paylater, diantaranya melalui kemudahan administrasi dan kemudahan penggunaan. Shopee PayLater dapat diakses oleh pengguna yang luas, termasuk mereka yang berada di daerah yang kurang terlayani atau terpencil, dan membuatnya tersedia untuk individu yang mungkin tidak memiliki akses ke layanan keuangan yang sejenis sebelumnya.


Financial Planning; Financial Inclusion; Managing Liability; Buy Now PayLater


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