https://www.journal.jis-institute.org/index.php/ijfr <p><a href="https://www.journal.jis-institute.org/index.php/ijfr/issue/archive"><strong>Open Access Journal </strong></a></p> <p><strong>e-ISSN: <a href="https://portal.issn.org/resource/ISSN/2746-136X">2746-136X</a></strong></p> <p><em>International Journal of Finance Research (IJFR) </em>is a peer-reviewed journal that publishes original research papers. <span style="margin: 0px; padding: 0px;">IJFR has been published since 2020, published by <a href="https://www.jis-institute.org/">Jeramba Ilmu Sukses (TRI-JIS)</a> under the publishing division, which is called the <a href="https://www.jis-institute.org/">Training &amp; Research Institute Jeramba Ilmu Sukses</a></span>.</p> <p><span data-preserver-spaces="true">Jeramba Ilmu Sukses (JIS) foundation, established by a notarial deed, is a foundation engaged in formal and informal education, including the publication of scientific journals, as per the official legal document issued by the Notary Office - PPAT Kgs. Yusrizal, S.SH, M.Kn., with Number 64 dated December 23, 2020. JIS has also been registered with the Ministry of Law and Human Rights of the Republic of Indonesia, Directorate General of General Legal Administration, with Number: AHU-Ah.01.060023060 dated December 30, 2020. JIS has also obtained a Business Identification Number (NIB) 9120210032636, issued on October 23, 2019, and with the 1st amendment on February 24, 2021, issued by the Investment Coordinating Board (BPKM). In addition, JIS has also been registered with the Ministry of Finance of the Republic of Indonesia, Directorate General of Taxes, Regional Office of DJP South Sumatra, and the BABEL Islands, KPP Pratama Palembang Ilir Timur, with Number S-22551KT/WPJ.03/KP.0203/2019 dated October 16, 2019. These official documents, a testament to JIS's legal standing, can be accessed at this </span><a class="editor-rtfLink" href="https://drive.google.com/file/d/1p4wBUcTdIw6_p8EDldXoDmXjNsTVyYzK/view?usp=sharing" target="_blank" rel="noopener"><span data-preserver-spaces="true">LINK</span></a><span data-preserver-spaces="true">, reinforcing JIS's credibility.</span></p> <p>It is currently published quarterly (<strong>March, June, September &amp; December</strong>). Areas of research include, but are not limited to, finance and investment, capital markets, financial institutions, fintech and financial innovation, small business finance, and corporate finance &amp; corporate governance. e-ISSN: <a href="https://portal.issn.org/resource/ISSN/2746-136X">2746-136X</a>. The Digital Object Identifier (DOI) is assigned to each published article and the journal is indexed by <a href="https://search.crossref.org/search/works?q=+2746-136X&amp;from_ui=yes">Crossref</a>,, Dimensions and Google Scholar and <a style="background-color: #ffffff;" href="https://garuda.kemdikbud.go.id/journal/view/20584">Garuda.</a></p> <p><span class="HwtZe" lang="en"><span class="jCAhz ChMk0b"><span class="ryNqvb">IJFR is also accredited by <a href="https://www.journal.jis-institute.org/index.php/ijfr/management/settings/jurnal">the Indonesian National Journal Accreditation (ARJUNA) under the Indonesian Ministry of Education, Culture, Research, and Technology</a>, which is ranked as</span></span></span><span class="HwtZe" lang="en"><span class="jCAhz ChMk0b"><span class="ryNqvb"> <a href="https://drive.google.com/file/d/10D6J9VctJAgLFFkb6DPcZh8VkDluTWmM/view?usp=sharing">SINTA 4</a><span style="margin: 0px; padding: 0px;"><a href="https://drive.google.com/file/d/10D6J9VctJAgLFFkb6DPcZh8VkDluTWmM/view?usp=sharing" target="_blank" rel="noopener">.</a> Here</span> is the link to the <a href="https://sinta.kemdikbud.go.id/journals/profile/10768">SINTA Website.</a><br /></span></span></span></p> <p>This journal utilizes the PKP PN system to create a distributed archiving system among participating libraries. It permits those libraries to create permanent archives of the journal for preservation and restoration.</p> <p>The review process will take up to 6 weeks to complete.</p> <p>We accept two types of articles, namely empirical research and theoretical papers. The following types of manuscripts can be submitted to the journal:<br />research paper, which is a final report on the finished original experimental study (the structure is Abstract, Introduction, Literature review, Method, Results, Discussion, and Conclusion);<br />The theoretical paper, which is devoted to the theoretical study of the problem, complies with the journal’s scope (the structure is Abstract, Introduction, Theoretical Basis, Results, Discussion, and Conclusion).</p> Training & Research Institute - Jeramba Ilmu Sukses (TRI-JIS) en-US International Journal of Finance Research 2746-136X <p>Copyright for this article is retained by the author(s), with first publication rights granted to the journal.</p> <p>It is an open-access article distributed under the terms and conditions of the Creative Commons Attribution license (<a href="http://creativecommons.org/licenses/by/4.0/">http://creativecommons.org/licenses/by/4.0/</a>)</p> https://www.journal.jis-institute.org/index.php/ijfr/article/view/3646 <p>The rapid development of financial technology has driven the emergence of various innovations in digital financial services, one of which is the “PayLater” feature, such as Shopee PayLater. This feature offers easy access, a fast process, and various promotions, making it highly popular. However, this convenience leads Gen Z to make impulsive purchases without proper financial planning. This can result in delinquent loans due to poor financial behavior. This study aims to analyze the influence of financial literacy, lifestyle, and self-control on the financial behavior of Gen Z users of Shopee PayLater. The research method employed is a quantitative approach. The data used in this study consists of primary data collected via a questionnaire using Google Forms. The sample comprised 100 respondents who are Gen Z users of Shopee PayLater in the city of Palembang. The sampling technique used was non-probability sampling with a purposive sampling method. The data analysis technique employed was Structural Equation Modeling based on Partial Least Squares (SEM-PLS) using SmartPLS 4.0 software, including measurement model evaluation (outer model), structural model evaluation (inner model), and hypothesis testing. The results of this study indicate that financial literacy has a positive and significant influence on the financial behavior of Gen Z users of Shopee PayLater; lifestyle has a positive and significant influence on the financial behavior of Gen Z users of Shopee PayLater; and self-control has a positive and significant influence on the financial behavior of Gen Z users of Shopee PayLater</p> Putri Erika Syahrani Septiani Fransisca Copyright (c) 2026 Putri Erika Syahrani, Septiani Fransisca https://creativecommons.org/licenses/by/4.0 2026-09-11 2026-09-11 7 3 1 18 10.47747/ijfr.v7i3.3646