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UNIRAZAK Library Pustaka
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| Abstract : UNIRAZAK Library |
| BNPL is a contemporary payment method that enables customers to acquire products or services and defer payment until a later date. Instead of paying the full purchase price upfront, consumers can opt for installment payments. The primary objectives of this research are to identify the relationship between buy now, pay later (BNPL) practices and financial difficulties among students, determine the root causes of the financial difficulties, and explore potential solutions to address the issues. The quantitative research technique was chosen for this study based on the study's goal, the nature of the research enquiry, and the topics to be researched. Since the study is conducted from the perspective of the university student, the researcher selected one of the public universities in Klang Valley which has approximately 3000 students. The Researcher adopted Krejcie and Morgan Table to determine the sample size. According to Krejcie and Morgan Table (1970), the sample involved in this study is 341 respondents. The correlation analysis shows a significant positive correlation between Over-Spending, High Processing and Late Charges Fee, Credit Score, Financial Literacy and Financial Difficulties. In summary, the researcher rejected the null hypothesis (H0) for Over-Spending, High Processing and Late Charges Fee, and Credit Score, indicating that there are statistically significant relationships between these variables and financial difficulties. However, there is no enough evidence to reject the null hypothesis for Financial Literacy; there is no statistically significant relationship between Financial Literacy and Financial Difficulties based on the data and analysis conducted |
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