Pandangan Karyawan Generasi Y dan Z terhadap Pinjaman Online dan PayLater dalam Mengelola Keuangan Pribadi
DOI:
https://doi.org/10.47747/snfmi.v3i1.3171Abstract
Generation Y and Generation Z are considered productive workers who face challenges in managing their personal finances. The numerous offers of easy access to loans and the possibility of deferred payments require this generation to understand and manage these features effectively. This study provides an overview of online loans and PayLater from the perspective of Generations Y and Z. An online questionnaire was distributed to private employees of a management consulting company in Jakarta. The results showed that those with a good education tend to avoid using online loans and PayLater, even though these two facilities are considered not to interfere with their personal lives. This study also showed that there were no differences in views between Generations Y and Z regarding online loans and PayLater, except for their views on the use of online loans and their views on online loans as a financing tool that helps respondents' finances.
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