| 000 -LEADER |
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| fixed length control field |
02756nam a22002417a 4500 |
| 003 - CONTROL NUMBER IDENTIFIER |
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| control field |
FT8759 |
| 005 - DATE AND TIME OF LATEST TRANSACTION |
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| control field |
20251115155844.0 |
| 008 - FIXED-LENGTH DATA ELEMENTS--GENERAL INFORMATION |
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| fixed length control field |
251028b ||||| |||| 00| 0 eng d |
| 041 ## - LANGUAGE CODE |
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| Language code of text/sound track or separate title |
engtag |
| 050 ## - LIBRARY OF CONGRESS CALL NUMBER |
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| Classification number |
HG3775 B53 2025 |
| 082 ## - DEWEY DECIMAL CLASSIFICATION NUMBER |
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| Classification number |
. |
| 100 1# - MAIN ENTRY--PERSONAL NAME |
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| Personal name |
Biag, Emily Ruth C.; Jalagat, Joriza Mae O.; Parman, Denise Jayne M.; Rodriguez, Kathleen Nicole G.; Ticman, Trisha Joy C.; Villaruel, Mae Ann A. |
| 245 ## - TITLE STATEMENT |
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| Title |
The impact of buy now, pay later on budgeting practices among financial management students on fashion purchase through spaylater at Pamantasan ng Lungsod ng Maynila |
| 264 #1 - PRODUCTION, PUBLICATION, DISTRIBUTION, MANUFACTURE, AND COPYRIGHT NOTICE |
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| Place of production, publication, distribution, manufacture |
Manila: |
| Name of producer, publisher, distributor, manufacturer |
PLM, |
| Date of production, publication, distribution, manufacture, or copyright notice |
c2025 |
| 300 ## - PHYSICAL DESCRIPTION |
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| Other physical details |
Business Research: (BSBA major in Financial Management) - Pamantasan ng Lungsod ng Maynila, 2025 |
| 336 ## - CONTENT TYPE |
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| Source |
text |
| Content type term |
text |
| Content type code |
text |
| 337 ## - MEDIA TYPE |
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| Source |
unmediated |
| Media type term |
unmediated |
| Media type code |
unmediated |
| 338 ## - CARRIER TYPE |
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| Source |
volume |
| Carrier type term |
volume |
| Carrier type code |
volume |
| 505 ## - FORMATTED CONTENTS NOTE |
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| Formatted contents note |
ABSTRACT: This study examined the influence of Buy Now, Pay Later (BNPL) services, specifically Shopee’s SPayLater, on the budgeting practices of Financial Management students at Pamantasan ng Lungsod ng Maynila (PLM), with a particular focus on fashion-related expenditures. Despite their foundational knowledge in financial management, students remain susceptible to impulsive spending behaviors, potentially intensified by the accessibility and perceived convenience of digital credit platforms. Utilizing quantitative, descriptive-correlational research design, data were collected through a structured survey administered to 206 students selected through simple random sampling. Statistical analyses were conducted to evaluate the relationship between SPayLater usage and students budgeting practices, as well as the moderating effect of peer influence. The findings revealed that SPayLater usage has a significant impact on students budgeting behaviors, contributing to changes in spending patterns and overall financial management. While BNPL platforms offer short-term financial flexibility, they may also encourage unplanned expenditures and undermine effective budgeting. Interestingly, peer influence was not found to significantly moderate the relationship between BNPL usage and budgeting practices, indicating that individual financial literacy may play a more influential role. Considering these, findings, the study advocates for the integration of structured budgeting modules into academic curricula, along with the development of responsible digital credit frameworks by financial institutions and regulators. These insights contribute to the enhancement of student financial capability and the promotion of sustainable financial behaviors within the context of an evolving digital economy. |
| 526 ## - STUDY PROGRAM INFORMATION NOTE |
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| Classification |
Filipiniana |
| 655 ## - INDEX TERM--GENRE/FORM |
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| Genre/form data or focus term |
academic writing |
| 942 ## - ADDED ENTRY ELEMENTS |
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| Source of classification or shelving scheme |
|
| Item type |
Thesis/Dissertation |
| Koha issues (borrowed), all copies |
1 |