Impulse Buying Tendency Moderates Financial Knowledge and Self Control in Nomadic Students Using Shopee Paylater

Financial management behavior has been a critical concern in recent years, as evidenced by the widespread use of Shopee Paylater among students. Individuals who do not comprehend the hazards of paylater and do not adequately mitigate the risk of default can put users in debt. Financial management is one method for decreasing the risk of paylater default. This vararticle seeks to investigate (and determine) the implications of financial knowledge and self-control on financial management behavior, with impulse buying tendency serving as a moderating variable, on overseas students studying in Malang City who use Shopee Paylater. Purposive sampling was used to obtain data, and overseas students were given questionnaires. A total of 115 persons were selected from the survey results. The analytical method of Structural Equation Modeling (SEM) will be utilized along with WarpPLS 7.0 software. According to the current research findings, financial knowledge and self-control significantly impact financial management behavior. The influence of using Shopee Paylater on impulse buying behavior among overseas students in Malang City reduces the effect of financial knowledge on financial management behavior, but it does not affect self-control in financial management behavior. The findings of this study can be used as a reference for overseas students, mostly Shopee Paylater users, to be able to apply good financial management, where they can control their use of Shopee Paylater when shopping, is responsible for implementing financial management behavior and can control themselves when making a decision.