000			02756nam a22002417a 4500
003			FT8759
005			20251115155844.0
008			251028b ||||| |||| 00| 0 eng d
041			_aengtag
050			_aHG3775 B53 2025
082			_a.
100	1		_aBiag, Emily Ruth C.; Jalagat, Joriza Mae O.; Parman, Denise Jayne M.; Rodriguez, Kathleen Nicole G.; Ticman, Trisha Joy C.; Villaruel, Mae Ann A.
245			_aThe 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	_aManila: _bPLM, _cc2025
300			_bBusiness Research: (BSBA major in Financial Management) - Pamantasan ng Lungsod ng Maynila, 2025
336			_2text _atext _btext
337			_2 unmediated _a unmediated _b unmediated
338			_2volume _avolume _bvolume
505			_aABSTRACT: 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			_aF
655			_aacademic writing
942			_2lcc _cMS _01
999			_c37000 _d37000