000			03312nam a22002657a 4500
003			URS
005			20260120095350.0
008			250728b |||||||| |||| 00| 0 eng d
100			_aUlang, Rica Lorraine B. _eresearcher
245			_aCredit attraction of buy now, pay later among millenials in Binangonan, Rizal/ _bRica Lorraine B. Ulang.
260			_c2025
300			_axii, 115 leaves; _c28 cm.
336			_2rdacontent _atext
337			_2rdamedia _aunmediated
338			_2rdacarrier _avolume
502			_a Undergraduate Feasibility Study _bBachelor of Science in Business Administration Major in Financial Management _cUniversity of Rizal System Binangonan _d2025
520			_a"This study examines the credit attraction of Buy Now, Pay Later services among 182 millennials in Binangonan, Rizal, aiming to understand the factors influencing their adoption and usage patterns in terms of credit terms and policy, credit collection procedures, credit risk control, perceived usefulness, and perceived ease of use. The research also seeks to assess their credit attraction to BNPL in relation to their demographic profiles, including age, gender, civil status, type of job, monthly income, specific platform, number of years using BNPL, and purchased items. Using a descriptive quantitative and qualitative method, and a validated survey questionnaire, data were collected and analyzed through frequency, percentage, weighted mean, and ANOVA. Finding reveals that the majority of millennials are aged 28 - 30, primarily single women with white-collar jobs earning between P15,001-P20,000, are frequent users of buy now, pay later services. Shopee is the most preferred platfor for buy now pay later transactions, with many respondents using the service for over a year. Gadgets are the most commonly purchased items through buy now pay later. The respondents ""often"" find buy now pay later as an attractive tool when it comes to credit. The study found that most demographic factors, like age, sex, civil status, and monthly income, do not significantly affect credit attraction factors in buy now pay later use. However, type of job affects credit terms and policies, specific platform affects credit collection, and specific platform, years of use, and purchased items influence perceived ease of use. For perceived usefulness, monthly income, years of use, and purchased items show significant differences. The study concludes that buy now pay later is an attractive financial tool because of its favorable credit terms, flexible payment structures, and ease of use, which collectively enhance their purchasing experience. Notably, while demographic factors such as type of job and specific platforms influence perceptions of these services, the overall appeal remains strong across the majority of respondents, highlighting the growing significance of BNPL in modern consumer finance. "
690			_aUN SDG 8
700			_aBilly M. Ines _eAdviser
700			_aKlein Patrick N. Ayon _eresearcher
700			_aJohn Mark M. Villanueva _eresearcher
856			_3Online Request for Student Unpublished Works _uhttps://forms.gle/7LqvGGkaDrUQqz429
856			_uhttps://drive.google.com/file/d/1Z_b9Xsdr6GTUCcIuxmZZx86DqlCrGzd5/view?usp=drive_link
942			_2lcc _cT
999			_c83771 _d83770