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Journal articles on the topic 'PayLater'

Author: Grafiati

Published: 4 June 2025

Last updated: 1 August 2025

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1

Sabil, Afif. "UPAYA MENGHALALKAN PENGGUNAAN PAYLATER MELALUI BAI’ AT-TAQSID DAN MURABAHAH." Al-Hukmi : Jurnal Hukum Ekonomi Syariah dan Keluarga Islam 5, no. 2 (2025): 37–47. https://doi.org/10.35316/alhukmi.v5i2.6596.

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The high public interest in using paylater in the market is proof that paylater is an important thing. In the midst of limited costs and very high levels of need, people have chosen paylaters. But on the other hand, paylater falls into the category of usury practices which are prohibited by religion. So, through this qualitative research, a solution is sought that can prevent the use of paylaters from usury practices. The solution in question is to switch to the bai' atitaqshid contract and the murabahah contract.

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Alvida Dzattadini, Maya Anisa Nurpadilah, Riska Angraeni, Vyanara Aulyadisha, Radita Dian Eka Mauldya, and Rama Wijaya Abdul Razak. "Dampak Penggunaan Aplikasi Paylater Terhadap Gaya Hidup Masyarakat." Akuntansi Pajak dan Kebijakan Ekonomi Digital 1, no. 2 (2024): 51–60. http://dx.doi.org/10.61132/apke.v1i2.75.

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This research aims to examine the impact of using the Paylater application on the lifestyle of people who are still not wise in using the paylater application. This research uses a quantitative approach method with the target population, namely the general public who use PayLater services or have used Paylater before. 114 respondents were selected using a questionnaire method using a Google form to conduct an online survey and collect data. The research results show that people rarely use paylater applications in daily use. Because paylater services have negative impacts, such as getting into

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Namira Nurul Alhakim, Stevia Septiani, and Eka Dasra Viana. "Pengaruh Psychological Factors, Financial Literacy, dan Paylater Misuse terhadap Compulsive Buying pada Pengguna Aplikasi Paylater di Jabodetabek." Jurnal Manajemen dan Organisasi 14, no. 1 (2023): 57–68. http://dx.doi.org/10.29244/jmo.v14i1.42798.

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The increasing trend of online shopping through e-commerce during the COVID-19 pandemic is also supported by the development of digital payment method, one of which is paylater. Paylater allows consumers to buy now and pay later in monthly installments. Paylater growth in Indonesia can encourage the development of the digital economy and is in line with sustainable development goals (SDGs) number 8, namely increasing inclusive and sustainable economic growth. However, if not controlled, the use of paylaters actually risks triggering compulsive buying behavior and increasing the amount of debt

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Desty Anggraini. "Pengaruh Pembayaran melalui Metode Paylater Terhadap Minat Belanja Mahasiswa." Moneter : Jurnal Ekonomi dan Keuangan 2, no. 3 (2024): 303–14. http://dx.doi.org/10.61132/moneter.v2i3.753.

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The emergence of new payment methods such as Paylater makes shopping easier and increases consumers' shopping interest. This research aims to find out how much influence the paylater payment method has on students' shopping interest. The method used in this research is a quantitative method. Based on the results of the T Test and F Test, the variable "Payment via Paylater Method" (X) has a significant influence on the variable "Shopping Interest" (Y), with a value of sig. 0.05 < X value (3.442) and calculated F value 11.850 > F table 4.10. From this research regarding the influence of pa

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Hazmi, Faiqul. "Pengaruh Religiusitas Terhadap Impulse Buying dengan Intensitas Penggunaan Paylater Sebagai Variabel Intervening pada Generasi Milenial." Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah 8, no. 1 (2023): 19. http://dx.doi.org/10.29300/ba.v8i1.10841.

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This study reveals the role of religiosity in influencing of impulsive buying risk. almost of the online shopping provide a paylater feature that helps users to purchase goods with payment at a later date (online debt). The object of this research is the millennial generation. The method used is quantitative using SmartPLS as a statistical tool. The results show that (1) The level of religiosity has a negative effect on impulse buying, meaning that the more religious a person will decreases of impulsive buying behavior; (2) Religiosity has a significant negative effect on the intensity of usin

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Fadhillah Irwani Saragih and Dini Lestari. "PENGARUH ADANYA PAYLATER DI KALANGAN REMAJA DI SUMATERA UTARA." Inisiatif: Jurnal Ekonomi, Akuntansi dan Manajemen 1, no. 4 (2022): 190–98. http://dx.doi.org/10.30640/inisiatif.v1i4.526.

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Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan dan gaya hidup terhadap perilaku konsumtif pengguna paylater di kalangan remaja. Perkembangan e-commerce memberikan dampak pada metode pembayaran yang semula hanya dikenal pembayaran tunai, berbasis kertas, berbasis kartu, kini mulai diperkenalkan dengan sistem pembayaran baru berbasis elektronik. Paylater merupakan salah satu jenis pembayaran kredit secara online. Penelitian ini menggunakan metode pendekatan secara kuantitatif. Data yang digunakan menggunakan study literature (kepustakaan). Hasil penelitian ini menunjukkan

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Koten, Rikardus Sina, Otto Kozmin Palaka, Rachel Nadya Purwanti, and Anita Permatasari Anita Permatasari. "IMPACT OF INCOME, LIFESTYLE, AND BUSINESS MOTIVATION ON SURABAYA STUDENTS' USE OF PAYLATER." International Conference of Business and Social Sciences 3, no. 1 (2024): 644–51. http://dx.doi.org/10.24034/icobuss.v3i1.430.

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This research in-depth examines the impact of three key factors, namely income, hedonistic lifestyle, and business motivation, on the use of Paylater services by students in Surabaya. The results of data analysis show that student income plays an important role in determining the extent to which they tend to use Paylater services; Hedonistic lifestyles also influence decisions to use these services, with students seeking experience and enjoyment in consumption more likely to utilize Paylater's features. Business motivation, such as interest in entrepreneurship and understanding investment, app

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Kunnuzi, Kunnuzi, Faris Akbar, Amanda Febri Astuti, et al. "Use of Akulaku Paylater in Islamic Economics (Study on Students of Sharia Economics Study Program, Faculty of Islamic Economics and Business, Sulthan Thaha Saifuddin State Islamic University, Jambi)." International Journal of Economics (IJEC) 3, no. 2 (2024): 1220–227. http://dx.doi.org/10.55299/ijec.v3i2.966.

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This research aims to explore how people in the Islamic economy feel about the Akulaku app's PayLater feature. And to get a breakdown of how Akulaku PayLater is being utilised. The methodology of this study is qualitative. This research uses observation, interviews, and documentation to gather information. While data visualisation and reduction are used for analysis. According to the findings of this research, Akulaku users can benefit from the convenience of Akulaku PayLater's on-time payment options by taking advantage of the company's bailout funds. Akulaku PayLater continues to impose unne

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Friska Fadhila, Abd. Malik, and Khairiyani. "Penggunaan Shopee Paylater Dalam Ekonomi Islam." CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis 3, no. 2 (2023): 286–307. http://dx.doi.org/10.55606/cemerlang.v3i2.1214.

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This research aims to explore how people in the Islamic economy feel about the Shopee app's PayLater feature. And to get a breakdown of how Shopee PayLater is being utilised. The methodology of this study is qualitative. This research uses observation, interviews, and documentation to gather information. While data visualisation and reduction are used for analysis. According to the findings of this research, Shopee users can benefit from the convenience of Shopee PayLater's on-time payment options by taking advantage of the company's bailout funds. Shopee PayLater continues to impose unnecessa

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Bachtiar, Sonia, Yuli kartika, and Shafa Tasya Salsabila. "The Effect of Financial Knowledge, Perceived Trust and Perceived Use on Interest in Using Shopee Paylater." Jurnal Manajemen Bisnis 11, no. 1 (2024): 405–16. http://dx.doi.org/10.33096/jmb.v11i1.733.

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With the increasing interest in online shopping in Indonesia, there are more options for online transaction payments. One of them is ShopeePay later. This study aims to find the relationship and impact of financial knowledge, perceived trust, and perceived use on intention to use Shopee Paylater in generation Z in Indonesia. The research method uses a quantitative approach with a research sample of 231 people of generation Z in Java. The collected data was tested using the SEM-PLS technique through SmartPLS 4.0 software. The test results show that financial knowledge has a positive and signifi

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Salma, Atikah, and Suci Rahma Nio. "Hubungan Antara Self Control dengan Perilaku Konsumtif Pengguna Shoppe Paylatter pada Dewasa Awal di Kota Padang." CAUSALITA : Journal of Psychology 2, no. 1 (2024): 163–68. http://dx.doi.org/10.62260/causalita.v2i1.283.

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Shopee merupakan salah satu market place terbesar di Indonesia. Sejauh ini jumlah pengunjung shopee sudah mencapai lebih dari 237 juta pengunjung, tercatat hingga 1 september 2023. Shopee paylater ialah salah satu fitur dari shoppe yang digemari dikalangan dewasa awal yang memberi kemudahan sat melakukan dalam pembalian hingga mengarah pada perilaku konsumtif. salah satu faktor yang mempengaruhi perilaku konsumtif yakni self control. Tujuan penelitian ini yakniguna mengetahui hubungan self control dengan perilaku konsumtif pada dewasa awal pengguna shopee paylater di Kota Padang.Metode penelit

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Citra Juwitasari, W., IGPB Sasrawan Mananda, and I. Nyoman Sudiarta. "LEGAL CHALLENGES AND REGULATIONS OF TRAVELOKA AS A TOURISM BUSINESS TO PAYLATER APPLICATIONS." Jurnal IPTA 9, no. 2 (2021): 396. http://dx.doi.org/10.24843/ipta.2021.v09.i02.p19.

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This study aims to identify Paylater's position in payments between tourists visiting Bali and the Traveloka as a tourism business, the legal relationship between Paylater consumers and Traveloka and payment practices with Traveloka Paylater facilities. On that basis, it was deemed necessary to conduct research on the legal challenges and opportunities of using Paylater in consumer transactions with Traveloka. The research conducted was normative legal research. Researchers used data collection tools in the form of a literature study or document study by examining OJK Regulation Number 77/POJK

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Herlina, Destriana Widyaningrum, and Giovanny Theotista. "Tipologi Financial Technology Paylater: Technology Acceptance Model (TAM)." Formosa Journal of Multidisciplinary Research 2, no. 1 (2023): 207–16. http://dx.doi.org/10.55927/fjmr.v2i1.2417.

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The use of paylater fintech is currently mushrooming among the public because it makes it easier for people to shop online. The typology of fintech paylaters is based on the Technology Acceptance Model (TAM) method to determine the contribution of the magnitude of the Technology Acceptance Model (TAM) aspect in explaining the use of fintech paylaters. The study used a sample of 101 fintech paylater respondents who live in Jakarta and data analysis techniques used Tructural Equation Modeling (SEM-AMOS) with the First Order Confirmatory Factor Analysis (CFA) technique. The results showed that th

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Hijriyanti, Hijriyanti, Teng Berlianty, and Sarah Selfina Kuahaty. "Kajian Yuridis Terhadap Transaksi Jual Beli Online Dengan Menggunakan Fitur Paylater." TATOHI: Jurnal Ilmu Hukum 2, no. 8 (2022): 794. http://dx.doi.org/10.47268/tatohi.v2i8.1421.

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Introduction: Shopee Paylater is a payment method which means users or consumers will get loans instantly. Each agreement of the parties has an obligation to fulfill achievements to other parties, in practice some of the Consumers do not carry out their obligations properly and correctly, some of the Consumers are not in good faith when carrying out product or service transactions, there are also buyers who do not pay in accordance with the agreed maturity date, therefore the Consumer is deemed to have defaulted.Purposes of the Research: Analyze and review the dispute resolution process if the

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Sugandi, Evelyne Austine, Sabilla Saberina, and Aggi Panigoro Sarifiyono. "The Role of Perceived Ease of Use and Customer Engagement In Influencing Behavioural Intention to Use Traveloka Paylater." International Journal of Business, Economics, and Social Development 4, no. 1 (2023): 38–44. http://dx.doi.org/10.46336/ijbesd.v4i1.367.

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The objective of this study were to find out the role of perceived ease of use and customer engagement in influencing behavioural intention to use Traveloka Paylater. Based on the increasing number of paylater services users in Indonesia, as well as the lack of behavioural intention to use Traveloka Paylater as the service from Traveloka, which incidentally is the number one online travel and lifestyle superapp in Indonesia. In this study, data were collected through the online questionnaire distribution to the respondents. The population in this study were users of Traveloka as seen from the

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Pasaribu, Surya Rodoli, Agung Kresnamurti Rivai P, and Rahmi Rahmi. "Analisis Kepercayaan Pengguna Paylater pada Shopee dan Tokopedia." Journal of Business Application 2, no. 2 (2023): 128–45. https://doi.org/10.55098/jba.v2.i2.p128-145.

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This research aims to find out how customer trust in using paylaters is described and what factors customers consider when using Shopee and Tokopedia paylaters, where a survey was conducted among students at the Faculty of Economics, Jakarta State University. The resource persons for this research were 10 students from the Faculty of Economics, Jakarta State University using the direct interview method. This research uses data collection techniques in the form of observation, interviews and documentation. This research uses data analysis techniques with data reduction, data presentation, and d

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Fauziah, Sofiah Nada, Putra Hilmi Prayitno, Hari Wahyono, and Ro’ufah Inayati. "The Effect of Financial Literacy and Self-Control on Consumptive Behavior with Paylater as a Mediating Variable." Jurnal Manajemen dan Kewirausahaan 11, no. 1 (2023): 66–78. http://dx.doi.org/10.26905/jmdk.v11i1.10209.

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This study aims to analyze: (1) the effect of financial literacy on consumptive behavior, (2) the effect of self-control on consumptive behavior, (3) the effect of Paylater on consumptive behavior, (4) the effect of financial literacy on Paylater, (5) the effect of self-control on Paylater, (6) Paylater as mediating variable. This research uses quantitative research methods. The number of samples in this study was 100 housewives in Malang. The analysis technique uses SEM PLS. The results of the analysis show: (1) the financial literacy influences consumptive behavior, (2) the self-control infl

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Audry Patricia Ananda, Agung Kresnamurti Rivai P, and Rahmi. "Analysis of Shopee Paylater Payments for Online Shopping Using Technology Acceptance Model (Case Study on Students at Jakarta State University)." International Student Conference on Business, Education, Economics, Accounting, and Management (ISC-BEAM) 3, no. 1 (2025): 2397–410. https://doi.org/10.21009/isc-beam.013.175.

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An interesting idea from financial technology today is the paylater payment system. Paylater is a financial facility that allows people to make payment transactions in installments. One of the popular paylater payment systems among the public is Shopee Paylater. Shopee Paylater is a loan service product provided by PT Lentera Dana Nusantara and has been used by the public. The purpose of this study was to analyze the Shopee Paylater payment system based on two perceptions of the Technology Acceptance Model (TAM), namely perceived usefulness and perceived ease of use among UNJ students. This re

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Hegi Carnado, Mastra, and Dini Rahmayanti. "ANALISIS GAYA HIDUP, KEMUDAHAN DAN RELIGIUSITAS TERHADAP PENGGUNAAN SHOPEE PAYLATER." Journal of Islamic enterpreneurship and Management 3, no. 2 (2023): 114–26. http://dx.doi.org/10.18326/jiem.v3i2.114-126.

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Penelitian ini bertujuan mengetahui pengaruh variabel gaya hidup (X1), kemudahan (X2) dan religiusitas(X3) terhadap kepuasan penggunaan shopee paylater (Y) dengan hedonic shopping sebagai variabel moderasi (Z). Penelitian ini menggunakan jenis penelitian kuantitatif dengan mengkaji hasil data kuesioner responden sebanyak 210 responden dan dilaksanakan pada bulan desember 2023, populasi data tak terhingga yang menggunakan teknik purposive sampling diolah denga SPSS. Hasil penelitian ini menunjukkan gaya hidup berpengaruh positif signifikan terhadap penggunaan Shopee PayLater, kemudahan berpenga

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Zahwa Imala, Eksa Putri Pradanasty, Indri Rahayu Septiani, and Ani Nur Aeni. "PENGEMBANGAN VIDEO PAP (PEOPLE AND PAYLATER) SEBAGAI MEDIA EDUKASI PENGGUNAAN PAYLATER DALAM PANDANGAN ISLAM BAGI GENERASI Z." Jurnal Adz-Dzahab: Jurnal Ekonomi dan Bisnis Islam 7, no. 1 (2022): 54–64. http://dx.doi.org/10.47435/adz-dzahab.v7i1.917.

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Artikel ini mengambil judul “Pengembangan Video PAP (People And PayLater) Sebagai Media Edukasi Penggunaan PayLater Dalam Pandangan Islam Bagi Generasi Z”. Dalam penelitian ini peneliti berupaya untuk mengkaji penggunaan PayLater yang di dilakukan oleh kalangan generasi Z berdasarkan perspektif agama Islam dengan menggunakan video animasi PAP (People And PayLater) yang telah peneliti kembangkan. Penelitian ini bertujuan untuk memberikan edukasi kepada generasi Z terhadap kemudahan teknologi ketika melakukan transaksi dengan menggunakan fitur PayLater melalui pengembangan video PAP (People And

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Asja, Hasanah Jaya, Santi Susanti, and Achmad Fauzi. "Pengaruh Manfaat, Kemudahan, dan Pendapatan terhadap Minat Menggunakan Paylater: Studi Kasus Masyarakat di DKI Jakarta." Jurnal Akuntansi, Keuangan, dan Manajemen 2, no. 4 (2021): 309–25. http://dx.doi.org/10.35912/jakman.v2i4.495.

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Abstract Purpose: This study examined the influence of perceived usefulness, ease of use, and income on interest in using paylater services. Research Methodology: The population in this study was the people of DKI Jakarta who know the Shopee Paylater service. The research sample was obtained using a purposive sampling method, with an affordable population calculation obtained 400 samples. The research method used was a quantitative method with multiple regression models. Data were primary data obtained from distributing questionnaires. Results: The results of the study partially show that perc

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Ningsih, Martanti Cahya, Choiroel Woestho, and Dody Kurniawan. "PENGARUH LITERASI KEUANGAN, MANFAAT PAYLATER DAN PENDAPATAN GENERASI Z TERHADAP MINAT PENGGUNAAN PAYLATER DI PLATFROM SHOPEE PADA KECAMATAN TAMBUN SELATAN." JURNAL ECONOMINA 2, no. 11 (2023): 3218–31. http://dx.doi.org/10.55681/economina.v2i11.967.

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Peneltian ini digunakan untuk mengukur pengaruh literasi keuangan, manfaat paylater dan pendapatan generasi z terhadap minat penggunaan paylater di platfrom shopee pada kecamatan tambun selatan. Penelitian ini merupakan penelitian kuantitatif dimana objek yang digunakan generasi Z di Kecamatan Tambun Selatan. Adapun jumlah sampel yang digunakan dalam penelitian ini adalah 130 responden. Teknik pengumpulan data menggunakan kuesoner dan pengolahan data serta pengujian hipotesis menggunakan SPSS 26. Berdasarkan hasil penelitian ini dapat disimpulkan bahwa hasul uji analisis memberikan hasil bahwa

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Sentiani, Sentiani, Tia Oktavia Ramadhan, Karina Wilda, and Nadya Novianty. "The Influence of Risk Perception, Lifestyle, Fear of Missing Out And Mental Accounting On Genz E-Commerce Users." Bengkulu International Conference on Economics, Management, Business and Accounting (BICEMBA) 2 (November 29, 2024): 665–78. https://doi.org/10.33369/bicemba.2.2024.26.

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In the digital era, online financial services such as paylater are increasingly popular, especially amongGeneration Z. This research identifies the factors that influence Generation Z&#39;s decision to use paylateron e-commerce platforms, with risk perception, lifestyle, and fear of missing out (FoMO) as anindependent variable, and mental accounting as a moderating variable. Risk perception is worry aboutfinancial loss, lifestyle reflects consumer spending habits, and FoMO is worry about missing out ontrends. The survey was conducted in Banjarmasin City with 167 Generation Z respondents wh

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Yasin, Rizky Nur, and Sophia Marsiska. "Pengaruh Penggunaan Layanan Paylater Terhadap Perilaku Impulsif Mahasiswa Pengguna E-Commerce di Jawa Barat." Applied Business and Administration Journal 2, no. 2 (2023): 59–65. http://dx.doi.org/10.62201/abaj.v2i2.54.

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Situs belanja atau aplikasi jual beli online semakin berkembang dan beragam karena kemajuan sistem dan teknologi. Semakin banyak pula jenis dan metode pembayaran yang ditawarkan, salah satunya adalah Paylater. Penelitian ini bertujuan untuk membahas dan memperdalam analisis faktor-faktor paylater dengan menguji pengaruhnya terhadap pembelian impulsif mahasiswa di Jawa Barat. Penelitian ini juga menganalisis faktor-faktor tersebut, yaitu Persepsi Penggunaan, Persepsi Kegunaan dan Persepsi Keamanan yang dapat mempengaruhi niat untuk menggunakan paylater. Data penelitian diperoleh melalui penyeba

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Devia SS, Vietha, and Yulia Kusuma Wardani Putri. "Purchase Decision: Do the Paylater Ease and Consumer Satisfaction Affect It? (Case Study on Shopee Paylater and Gojek Paylater)." SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS 6, no. 2 (2022): 147. http://dx.doi.org/10.29259/sijdeb.v6i2.147-164.

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This study aims to determine the effect of Paylater convenience in the form of user age at registration, payment tenor flexibility, interest rates or fees and consumer satisfaction with purchasing decisions using Pay Later. This study compares the use of Paylater on Shopee and Gojek. The consideration of comparing the two Paylater platforms is because these two platforms rank the most used by Paylater users in Indonesia. The author uses primary data by using a sample of Paylater users in Malang City as research material and using PLS in analyzing the data. The results showed that user age, cre

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Lutfiyani Fauziyah and Dewi Rahmi. "Faktor-Faktor yang Menentukan Preferensi Penggunaan Layanan Paylater dan Dampaknya terhadap Pola Konsumsi Generasi Z Kota Bandung dengan Pendekatan TAM." Bandung Conference Series: Economics Studies 4, no. 3 (2024): 815–23. http://dx.doi.org/10.29313/bcses.v4i3.14495.

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Abstract. PayLater service is also known as “buy now, pay later” or “buy now, pay later”. This is a transaction facility similar to a credit card, with transaction limits and payment deadlines. This PayLater service is preferred by Gen Z compared to credit cards. The introduction of the PayLater service shows that the frequency of use of the PayLater service for online shopping has surpassed credit cards as a payment method. Based on this phenomenon, the formulation of the research problem is as follows. (1) What are the factors that determine the preference for using the PayLater service? (2)

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Kastaman, Siska Komala Sari, Tora Fahrudin, and Heru Nugroho. "Analisis Faktor-Faktor Penentu Kepuasan Pengguna Layanan Paylater Dengan Pendekatan Regresi Linier." Jurnal Teknologi Informasi dan Ilmu Komputer 11, no. 4 (2024): 903–12. http://dx.doi.org/10.25126/jtiik.1148343.

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Pelanggan suka membayar sekarang dengan uang tunai, kartu debit, dan perbankan online. Di sisi lain, mereka suka membayar nanti dengan pinjaman dan kartu kredit. Bayar nanti yang dikenal sekarang dengan nama paylater semakin populer, dan banyak orang lebih suka menggunakannya daripada cara pembayaran lainnya. Namun, paylater telah memiliki cukup banyak pelanggan untuk studi yang dapat melihat kepuasan pengguna. Oleh karena itu, penelitian ini mencoba mencari tahu faktor apa saja yang membuat pelanggan puas dengan layanan paylater. Metode penelitian yang dipakai adalah kualitatif dengan cara su

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Herowati, Erlina. "The Effect of Implementing the Technology Acceptance Model (Tam) on Shopping Intention (Behavioral Intention) Using Paylater." Indonesian Journal of Interdisciplinary Research in Science and Technology 2, no. 1 (2024): 1–20. http://dx.doi.org/10.55927/marcopolo.v2i1.7891.

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This research analyzes the Technology Acceptance Model theory (TAM) in shopping behavior using Paylater. The purpose of this research is to determine the influence of perceived usefulness and perceived ease of use on shopping interest using Paylater (behavioral intention). Respondents from this research are people who know E-Commerce and know the Paylater payment tool. After testing, the results of this research are that perceived usefulness has a significant positive effect on shopping interest using Paylater (behavioral intention), this is shown by the level of significance value of 0.046. M

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Sujatmiko and Al Kausar. "Paylater Adoption as a Mediator Between Financial Literacy, Risk Perception, and Financial Behavior." Jurnal Ilmiah Manajemen Kesatuan 13, no. 3 (2025): 1743–54. https://doi.org/10.37641/jimkes.v13i3.3248.

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Technology-based financial services, such as paylater, are increasingly popular in Indonesia as a payment flexibility solution for consumers. However, the level of financial literacy and risk perception are key factors influencing the adoption of these services. This study aims to analyze the influence of financial literacy, risk perception, and paylater adoption on consumer financial behavior in Makassar using the Theory of Planned Behavior (TPB) approach. Data were collected through a survey of 100 respondents who had used paylater services for the past six months. The results showed that fi

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Zata Aman, Yosanda, Diah Widiawati, and Dwicahya Setia Putri. "The Mediation Role of Shopping Lifestyle and Moderation Role of Payletter on the Impact of Hedonic Shopping Motivation on Implicit Buying." Syntax Idea 5, no. 11 (2023): 1977–91. http://dx.doi.org/10.46799/syntax-idea.v5i11.2703.

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The purpose of this study is to examine how hedonic shopping incentive affects implicit purchasing behavior and how pay letters and shopping lifestyles mediate that effect. This study was conducted on customers of e-commerce users in Indonesia who also used paylater payment methods for their online shopping transactions. The study involved 213 customers as samples. Research data is collected using a questionnaire and the results are analyzed using PLS software. This research is quantitative. The findings showed that hedonic shopping motivation had a significant positive impact on impulsive buy

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Kamil, Islamiah, Meiliyah Ariani, and Indra Ade Irawan. "The influence of lifestyle and financial literacy on online paylater system and its impact on spending behavior." Journal of Economics and Business Letters 4, no. 2 (2024): 51–62. http://dx.doi.org/10.55942/jebl.v4i2.285.

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This research aims to examine the influence of Lifestyle and Financial Literacy on the Paylater Online System and its impact on Spending Behavior. The analytical method used to test the hypothesis is path analysis. This research uses a sample of 200 respondents who are people who use the Online Paylater System in the Jakarta, Bogor, Depok, Tangerang and Bekasi (Jabodetabek) areas. In this research, sampling used convenience sampling. The research results show that the direct influence of Lifestyle and Financial Literacy on Spending Behavior shows significant results. However, the indirect effe

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Antony Charles, Wiwin Mochtar Wiyono, Ferryani Krisnawati, and Eti Mul Erowati. "Analisis Hukum Terhadap Konsep Riba Dalam Transaksi Jual BeliOnline Menggunakan Shopee Pay Later Pada Perspektif KompilasiHukum Ekonomi Syariah." Wijayakusuma Law Review 6, no. 1 (2024): 22–31. http://dx.doi.org/10.51921/wlr.jgg2fp19.

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The purpose of this research is to determine the mechanism for using Shopee PayLater in the Shopee applicationand the views of the compilation of sharia economic law on the mechanism of buying and selling contracts usingShopee PayLater. This research uses an empirical normative juridical approach and the type of research uses aqualitative approach which includes the results of online surveys and interviews, with various written informationthat explains the buying and selling mechanism using Shopee PayLater payments in the view of the ShariaEconomic Law Compilation. This data relates to Shopee

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Afandi, Ahmad, Dia Purnama Sari, Annessa Fadhillah, Nando Farizal, and Muhammad Arif. "Faktor Penentu Niat Menggunakan Paylater Dengan Kepercayaan Sebagai Variabel Moderasi." Kunuz: Journal of Islamic Banking and Finance 2, no. 2 (2022): 147–63. http://dx.doi.org/10.30984/kunuz.v2i2.420.

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The purpose of this study is to measure effort expectancy, habit, price value, hedonic motivation, and social influence on the intention to use paylater with trust as a moderating variable. This research is a descriptive quantitative type and data collection method using a questionnaire. This research involved a total of 100 respondents who were all residents of North Sumatra. Structural Equation Model (SEM) and SmartPLS are used in data analysis techniques to test hypotheses and identify factors that influence people's intention to use Paylater. The research findings show that the social infl

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Wati, Ai, and Sri Hayati Ningsih. "ANALISIS HUKUM EKONOMI SYARIAH DALAM TRANSAKSI PAYLATER PADA APLIKASI SHOPEE." Jurnal Hukum Ekonomi Syariah (JHESY) 2, no. 1 (2023): 98–108. http://dx.doi.org/10.37968/jhesy.v2i1.434.

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Shopee PayLater adalah metode pembayaran terbaru Shopee yang mudah diakses di smartphone melalui internet oleh pengguna Shopee. Metode pembayaran Shopee PayLater menawarkan kepada pengguna aktif Shopee. Hal ini bertujuan untuk memberikan kenyamanan bagi pembeli dalam bentuk pinjaman dengan suku bunga rendah. Namun, meski Shopee mengklaim beli sekarang bayar bulan depan tanpa bunga, nyatanya tetap ada biaya cicilan yang harus dibayar pengguna. Shopee juga memberi sanksi berupa denda untuk keterlambatan membayar setelah jatuh tempo. Rumusan masalah dalam penelitian ini meliputi, bagaimana mekani

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Aprilina, Muhajirin, and Hedhri Nadhiran. "SISTEM KREDIT DALAM SHOPEE PAYLATER PERSPEKTIF HADIS." Al-Shamela : Journal of Quranic and Hadith Studies 1, no. 2 (2023): 161–80. http://dx.doi.org/10.61994/alshamela.v1i2.120.

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This article aims to examine the credit system in Shopee Paylater from a hadith perspective. Shopee Paylater is one of the payment methods in the shopee application with using a bailout or loan funds from shopee. The method of refunding is by installments or credit in every month and with a predetermined time. Each fund used has an excess price of 2,95% of the amount. In that case there are two opinions about Shopee Paylater, some are of the opinion that Shopee Paylater is prohibited because there is an excess price, and the excess price is usury. But there are some who think it is allowed bec

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Utami, Metta Ria, Meriyati Meriyati, and Havis Aravik. "Pengaruh Penggunaan Sistem Pembayaran Shopee PayLater Terhadap Perilaku Konsumtif Masyarakat Kecamatan Ilir Barat II Kota Palembang Serta Pandangan Perspektif Ekonomi Islam Terhadapnya." Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) 3, no. 2 (2023): 269–82. http://dx.doi.org/10.36908/jimpa.v3i2.235.

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Penelitian ini mengenai pengaruh penggunaan sistem pembayaran Shopee PayLater terhadap perilaku konsumtif masyarakat Kecamatan Ilir Barat II Kota Palembang. Rumusan Masalah dalam penelitian ini yaitu bagaimana pengaruh penggunaan Shopee Paylater terhadap perilaku konsumtif masyarakat Kecamatan Ilir Barat II Kota Palembang dan bagaimana pandangan Perspektif Ekonomi Islam dalam penggunaan Shopee PayLater terhadap perilaku konsumtif masyarakat Kecamatan Ilir Barat II kota Palembang. Tujuan dalam penelitian ini untuk mengetahui pengaruh penggunaan shopee paylater terhadap perilaku konsumtif masyar

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Deviniati, Deviniati, and Imam Mawardi. "Analisis Mekanisme Bisnis E-Commerce melalui Transaksi Paylater dalam Perspektif Ekonomi Syariah." DINAMIKA : Jurnal Kajian Pendidikan dan Keislaman 9, no. 1 (2024): 1–14. https://doi.org/10.32764/dinamika.v9i1.4454.

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E-commerce business is trending and gaining high popularity because it offers a lot of convenience in transactions. One of them is Shopee which is currently a very popular online shopping platform. The Shopee platform offers a variety of products and easy payment methods, including Shopee Paylater. Apart from the ease of using Shopee PayLater, Shopee users also need to be more aware of the risks of using Shopee PayLater. This research uses a qualitative method with a descriptive approach. Using two data sources, namely primary data obtained from interviews with Shopee users and Shopee Paylater

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Natalia, Desi, and Riauli Susilawaty. "Pengaruh Kualitas Sistem, Keamanan dan Harga terhadap Kepuasan Pengguna dalam Penggunaan Paylater (Studi Kasus pada Pengguna Paylater di Kota Bandung)." Prosiding Industrial Research Workshop and National Seminar 13, no. 01 (2022): 1379–85. http://dx.doi.org/10.35313/irwns.v13i01.4295.

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Pesatnya perkembangan fintech salah satunya paylater sebagai alternatif metode pembayaran memberikan banyak manfaat seperti kemudahan dalam bertransaksi, praktis dan cepat. Namun di samping adanya kemudahan tersebut menyebabkan terjadinya penyalahgunaan data pribadi, keluhan terhadap kesalahan sistem dan faktor lain seperti harga atau biaya yang dibebankan kepada pengguna paylater yang besarnya berbeda-beda setiap platform. Dengan adanya faktor-faktor tersebut dapat membuat pengguna tidak puas dalam penggunaan paylater. Sehingga penelitian ini bertujuan untuk mengetahui pengaruh kualitas siste

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Nirmalapurie, Nisrina Anrika. "Perlindungan Hukum Bagi Para Pihak Dalam Penggunaan Fitur PayLater Pada Aplikasi Gojek." Media Iuris 3, no. 1 (2020): 101. http://dx.doi.org/10.20473/mi.v3i1.19161.

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PayLater merupakan metode pembayaran berbentuk pemberian pinjaman yang saat ini dikenal dengan sebutan Pinjaman P2P. Pinjaman P2P adalah bentuk pinjaman dari orang ke orang melalui perantara jasa keuangan non bank. PayLater pada aplikasi Gojek adalah metode pembayaran berbentuk pinjaman yang dapat digunakan oleh pengguna untuk membayar layanan yang disediakan oleh Gojek atau pihak yang bekerjasama dengan Gojek. Para pihak yang terlibat dalam penggunaan PayLater pada aplikasi Gojek adalah Findaya yang bekerjasama dengan Gojek dalam mengelola PayLater pada aplikasi Gojek, Pemberi Pinjaman yang m

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Wibasuri, Anggalia, Mieke Rahayu, Ni Wayan Cahaya Adi, and I. Made Yuda Suryawan Yuda. "MINAT INDIVIDU TERHADAP PENGGUNAAN E-WALLET SHOPEE PAYLATER BERBASIS MODIFIED TECHNOLOGY ACCEPTANCE MODEL." Jurnal Ilmiah Manajemen dan Bisnis 7, no. 2 (2022): 215–27. http://dx.doi.org/10.38043/jimb.v7i2.3950.

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Minat Individu Terhadap Penggunaan E-Wallet Shopeepay Later Berbasis Modified Technology Acceptance Model (TAM). Penelitian ini bertujuan untuk menguji faktor-faktor yang mempengaruhi minat untuk menggunakan e-wallet shopee paylater dengan menggunakan model Technology Acceptance Model (TAM) yang dikembangkan oleh Davis pada 1989. Faktor yang memengaruhi minat individu untuk menggunakan E-Wallet Shopee Paylater dalam penelitian ini adalah Perceived Ease of Use, Perceived Usefulness, Attitude, dan Intention to Use. Penelitian ini dilakukan di Bandar Lampung dengan menggunakan metode survei. Pene

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Dika Zaim Adhlan, Machsun, and Iis Suryani. "THE INFLUENCE OF SHOPEE PAYLATER DIGITAL PAYMENTS TOWARDS SURABAYA SOCIETY'S CONSUMER BEHAVIOR." Pedagogic Research-Applied Literacy Journal 2, no. 1 (2024): 33–37. https://doi.org/10.70574/vzt1c762.

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This study aims to analyze the influence of the use of digital payments through Shopee PayLater on the consumer behavior towards Surabaya society. The research method used a quantitative method with a survey approach. Data were collected through questionnaires distributed to Surabaya society who use the Shopee PayLater service. Data analysis was carried out using statistical tests to determine the influence of the independent variable (use of Shopee PayLater) towards the dependent variable (consumer behavior). The results of the study showed that there was a significant influence between the u

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Nugrahanti, Yeterina Widi, Maria Rio Rita, Mitha Dwi Restuti, and Andrew T. Thren. "PAYLATER USAGE BEHAVIOR AMONG UNIVERSITY STUDENTS: A MODIFICATION OF THE THEORY OF PLANNED BEHAVIOR." International Journal Of Management And Economics Fundamental 04, no. 12 (2024): 15–37. https://doi.org/10.37547/ijmef/volume04issue12-03.

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This study aims to empirically test the interrelationship of Paylater use which is suspected to be influenced by hedonic conformity and family financial education, as moderated by financial risk tolerance and self-control among students. This study applies the Theory of Planned Behavior (TPB) by modifying the determinant variables as determinants of Paylater usage behavior. By applying the purposive sampling method, 117 undergraduate and postgraduate students were selected as respondents. The findings revealed that hedonic conformity has a positive effect on the use of Paylater, while family f

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Risukmasari, Risukmasari. "Analisis Faktor-Faktor Yang Mempengaruhi Minat Berbelanja Konsumen Pada Penggunaan Fitur Shopee Pay Later." Jurnal Sosial Teknologi 4, no. 2 (2024): 101–8. http://dx.doi.org/10.59188/jurnalsostech.v4i2.1150.

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Perkembangan teknologi saatpini menjadi salah satuppenyebab terciptanya teknologi finansial (fintech) inovasi. Salah satu inovasi fintech yang berkembang di Indonesia adalah Shopee PayLater yang memberikan kemudahan untuk masyarakat yang ingin memberi barang secara kredit. Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi minat masyarakat untuk membeli menggunakan fitur shopee paylater. Metode penelitianpyang digunakan dalamipenelitian ini adalah metodeikualitatif dengan modelppendekatan studipkasus. Hasil penelitin menunjukkan bahwa Ada beberapa faktor yang dapat mempe

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Eka Kurnia Patmasari, Ayu Akhiri Ana, and Siti Abdillah Nurhidayah. "Determinan Keputusan Penggunaan Paylater pada Platform E-commerce (Studi Kasus Mahasiswa FEB Universitas Selamat Sri)." Dharma Ekonomi 31, no. 2 (2024): 131–51. https://doi.org/10.59725/de.v31i2.151.

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This study is motivated by the irresponsible use of paylater services, which is influenced by factors such as financial literacy, risk perception, and trust. The purpose of this research is to examine the impact of financial literacy, risk perception, and trust on students’ decisions to use paylater services at the Faculty of Economics and Business, Selamat Sri University. A quantitative survey method was employed, targeting a sample of 107 students from the 2020 cohort who actively utilized paylater services. The findings reveal that financial literacy significantly and positively influences

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Kurniasari, Florentina, Johny Natu Prihanto, and Nikolaus Andre. "Identifying determinant factors influencing user’s behavioral intention to use Traveloka Paylater." Eastern-European Journal of Enterprise Technologies 2, no. 13 (122) (2023): 52–61. http://dx.doi.org/10.15587/1729-4061.2023.275735.

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The paylater payment feature is being widely discussed as an alternative payment system that offers simplicity and flexibility in settling digital business transactions with a 28 % to 38 % growth annually. Despite the popularity of Traveloka apps as the largest travel business platform that has been downloaded more than 100 million times, the number of Traveloka Paylater users is limited to only 8.6 % of the total users. The purpose of this study is to discuss what factors influence a user’s behavioral intention to use Traveloka Paylater. The study involved 360 Traveloka user respondents over

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Florentina, Kurniasari, Natu Prihanto Johny, and Andre Nikolaus. "Identifying determinant factors influencing user's behavioral intention to use Traveloka Paylater." Eastern-European Journal of Enterprise Technologies 2, no. 13 (122) (2023): 52–61. https://doi.org/10.15587/1729-4061.2023.275735.

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The paylater payment feature is being widely discussed as an alternative payment system that offers simplicity and flexibility in settling digital business transactions with a 28 % to 38 % growth annually. Despite the popularity of Traveloka apps as the largest travel business platform that has been downloaded more than 100 million times, the number of Traveloka Paylater users is limited to only 8.6 % of the total users. The purpose of this study is to discuss what factors influence a user’s behavioral intention to use Traveloka Paylater. The study involved 360 Traveloka u

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Sari, Elinda, and Rahmawati Kusuma. "Keabsahan Perjanjian Kredit Dengan Fitur Shopee Paylater Pada Aplikasi Shopee." Private Law 2, no. 3 (2022): 540–48. http://dx.doi.org/10.29303/prlw.v2i3.1532.

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Tujuan penelitian untuk mengetahui dan memganalisis konsep hukum perjanjian kredit jika ditinjau dari KUH dan hukum Islam serta bagaimana konsep perjanjian kredit Shopee PayLater pada aplikasi Shopee jika ditinjau dari KUH Perdata dan hukum Islam. Penelitian yang dilakukan adalah penelitian hukum normatif dengan metode pendekatan perundang-undangan dan pendekatan komparatif. Hasil penelitian menunjukkan perjanjian kredit pada Shopee PayLater jika ditinjau dari hukum perdata sudah sesuai dengan yang diatur dalam KUH Perdata maupun peraturan terkait seperti aturan pelaksana dari Shopee PayLater,

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Susilawaty Hutapea, Riauli, Arwan Gunawan, Tjetjep Djuwarsa, and Rendra Trisyanto Surya. "Pengaruh Kualitas Sistem “Financial Technology” (Fintech) terhadap Kepuasan Pengguna Paylater Di Kota Bandung." Journal of Comprehensive Science (JCS) 2, no. 2 (2023): 517–23. http://dx.doi.org/10.59188/jcs.v2i2.240.

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Penelitian ini bertujuan untuk mengukur pengaruh Kualitas Sistem “Financial Technology” (Fintech) Terhadap Kepuasan Pengguna Paylater. Fintech semakin berkembang seiring dengan semakin canggihnya teknologi informasi dan komunikasi yang merambah ke berbagai aspek. Salah satunya dalam payment system yaitu terdapat alternatif dalam sistem pembayaran dengan menggunakan sistem paylater. Layanan paylater menawarkan pengguna bertransaksi lebih cepat, mudah, praktis namun sederhana dibandingkan dengan kartu kredit. Adanya kemudahan dalam penggunaan Paylater menyebabkan terjadinya penyalahgunaan data p

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Syahraya, Weiheilmina. "PERLINDUNGAN KONSUMEN ATAS PENYALAHGUNAAN FITUR SHOPEE PAYLATER YANG DILAKUKAN PIHAK KETIGA." Journal of Private and Economic Law 4, no. 1 (2024): 1. https://doi.org/10.19184/jpel.v4i1.27861.

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Financial Technology has a big influence on the economy, especially in the advancement of the marketplace, one of which Shopee has presented an innovation, namely the Shopee Paylater feature. However, the presence of Shopee Paylater actually becomes a gap for irresponsible parties to carry out account hacking actions. Therefore, legal protection is needed for Paylater users and strict security of user data to prevent acts of data misuse or account hacking by third parties. This includes both preventive measures, such as secure authentication systems, and repressive measures, such as legal reco

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Azzahra, Kholidah, Mardinawati Mardinawati, Sri Rahayu Zees, and Prima Ayundyayasti. "FACTORS INFLUENCE THE INTENTION TO USE IN PAYLATER FEATURE AMONG THE MILLENNIAL GENERATION." Applied Accounting and Management Review (AAMAR) 2, no. 2 (2023): 31. http://dx.doi.org/10.32497/aamar.v2i2.4613.

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<p>These days the use of PayLater has become a trend in society, focusing on the gen z and millennials. This is because digital adoption in significantly higher than the previous generation. Shopee introduced the latest digital credit card payment feature called Shopee PayLater (SPayLater). In this case, the research is carried out on Acceptance and Use Technology in Shopee PayLater feature using UTAUT2 Model. This research aims to analyze the factors that influence the intention to use the PayLater feature on Shopee PayLater using UTAUT2 Model. The data used was obtained from distributi

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