Pengaruh present bias dan self control terhadap risk credit behavior mahasiswa dengan peer influence sebagai variabel mediasi; Studi pada Mahasiswa Universitas Islam Negeri Maulana Malik Ibrahim Malang

INDONESIA:

Perkembangan akses layanan keuangan yang semakin luas, disertai meningkatnya kecenderungan konsumtif di kalangan mahasiswa, menjadikan risk credit behavior sebagai fenomena yang perlu mendapat perhatian. Perilaku tersebut diduga dipengaruhi oleh faktor psikologis, seperti present bias dan self-control, serta faktor sosial berupa peer influence. Penelitian ini bertujuan untuk menguji pengaruh present bias dan self-control terhadap risk credit behavior dengan mempertimbangkan peran peer influence sebagai variabel mediasi. Penelitian menggunakan pendekatan kuantitatif dengan memanfaatkan data primer yang diperoleh melalui penyebaran kuesioner kepada mahasiswa Fakultas Ekonomi dan Bisnis UIN Maulana Malik Ibrahim Malang. Sampel penelitian berjumlah 110 responden yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan menggunakan metode Partial Least Squares Structural Equation Modeling (PLS-SEM) melalui perangkat lunak SmartPLS. Hasil penelitian menunjukkan bahwa present bias dan self-control tidak memiliki pengaruh signifikan terhadap risk credit behavior, meskipun arah hubungan yang terbentuk bersifat positif. Di sisi lain, kedua variabel tersebut terbukti berpengaruh positif dan signifikan terhadap peer influence. Selain itu, peer influence juga ditemukan berpengaruh positif dan signifikan terhadap risk credit behavior serta mampu memediasi hubungan antara present bias dan self-control dengan risk credit behavior secara signifikan. Temuan ini menegaskan pentingnya peran faktor sosial dalam menjelaskan kecenderungan perilaku kredit berisiko pada mahasiswa

ENGLISH:

Risk credit behavior among students has become an important issue due to increasing financial accessibility and consumption-oriented lifestyles. Psychological factors such
as present bias and self-control, as well as social factors such as peer influence, are considered to influence risky credit behavior. This study aims to analyze the effect of
present bias and self-control on risk credit behavior, with peer influence as a mediating variable. This research employed a quantitative approach using primary
data collected through questionnaires distributed to students of the Faculty of Economics and Business at UIN Maulana Malik Ibrahim Malang. A total of 110
respondents were selected using purposive sampling, and the data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS. The findings indicate that present bias and self-control had positive but insignificant effects on risk credit behavior. In contrast, present bias and self-control had positive and significant effects on peer influence. Furthermore, peer influence had a positive and significant effect on risk credit behavior and significantly mediated the relationship between present bias, self-control, and risk credit behavior. These findings highlight the important role of social factors in explaining risky credit behavior among students.