Penelitian ini bertujuan untuk mengkaji pengaruh literasi keuangan, tingkat pendapatan, dan religiusitas terhadap perilaku pengelolaan keuangan mahasiswa UIN Walisongo Semarang yang menggunakan sistem PayLater e-commerce. Seiring dengan meningkatnya popularitas layanan PayLater di Indonesia, khususnya di kalangan generasi muda, pemahaman terhadap faktor-faktor yang memengaruhi perilaku keuangan mereka menjadi semakin penting. Latar belakang penelitian ini mengungkap bahwa layanan PayLater, seperti SPayLater, GoPayLater, dan Kredivo, kini menjadi opsi utama bagi masyarakat Indonesia dalam bertransaksi secara online. Faktor kemudahan akses serta berbagai penawaran menarik, seperti cashback dan bunga nol persen, semakin mendorong minat pengguna terhadap layanan ini. Selain itu, data dari Otoritas Jasa Keuangan (OJK) menunjukkan lonjakan signifikan dalam piutang pembiayaan BNPL, yang mencerminkan pertumbuhan pesat penggunaan layanan tersebut. Studi ini menggunakan metode kuantitatif dengan mengumpulkan data melalui kuesioner yang didistribusikan kepada Mahasiswa di Uin Walisongo Semarang. Hingga 100 pengguna Paylater. Data dikumpulkan melalui kuesioner berbasis skala Likert dan dianalisis menggunakan beberapa regresi linier. Hasil penelitian menunjukkan bahwa Literasi Keuangan dan pendapatan keuangan memiliki dampak signifikan pada perilaku manajemen keuangan. Sebaliknya, Religiusitas tidak memiliki dampak signifikan pada perilaku manajemen mengenai pengelolaan keuangan mahasiswa dalam memanfaatkan layanan PayLater, serta menyajikan rekomendasi bagi pengelola e-commerce dan institusi pendidikan guna meningkatkan literasi keuangan. Selain itu, penelitian ini turut berperan dalam memperkaya wawasan mengenai dinamika penggunaan teknologi finansial di kalangan generasi muda Indonesia.

ABSTRACT:
This study examines the influence of financial literacy, income level, and religiosity on the financial management behavior of UIN Walisongo Semarang students who use the PayLater e-commerce system. Along with the increasing popularity of PayLater services in Indonesia, especially among the younger generation, understanding the factors influencing their financial behavior is becoming increasingly important. The background of this study reveals that PayLater services, such as SPayLater, GoPayLater, and Kredivo, are now the main options for Indonesian people in making online transactions. The ease of access and various attractive offers, such as cashback and zero percent interest, are increasingly driving user interest in this service. In addition, data from the Financial Services Authority (OJK) shows a significant spike in BNPL financing receivables, reflecting the rapid growth in the use of these services. This study uses a quantitative method with data collection through questionnaires distributed to UIN Walisongo Semarang students. Respondents were 100 student PayLater users. Data were collected through a Likert Scale-based questionnaire and analyzed using multiple linear regression. The results of the study indicate that Financial Literacy and Income have a significant influence on Financial Management Behavior. On the other hand, Religiosity does not have a significant influence on Financial Management Behavior. This study is expected to provide a deeper understanding of student financial management in utilizing PayLater services, as well as provide recommendations for e-commerce managers and educational institutions to improve financial literacy. In addition, this study also plays a role in enriching insight into the dynamics of financial technology use among the younger generation of Indonesia.