RICHARD CLIO AVERILL MATTHEW HARIYADI

2602191503

Degree Strata 1

Program/Study Program International Business Management

Faculty/School BINUS Business School Undergraduate Program

THESIS TITLE THE INFLUENCE OF FINANCIAL LITERACY AND FINANCIAL ANXIETY ON PAYLATER MISUSE: THE MEDIATING ROLE OF FINANCIAL SELF-EFFICACY AND THE MODERATING ROLE OF SELF-CONTROL AMONG GENERATION Z IN MANADO CITY