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Artykuły w czasopismach na temat „SPayLater”

Autor: Grafiati
Data publikacji: 2 czerwca 2025
Data aktualizacji: 31 lipca 2025

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1

Faqih, Faqih, Mahmudi Mahmudi, and Asrorulloh Asrorulloh. "TRANSAKSI JUAL BELI MENGGUNAKAN PINJAMAN SPAYLATER DALAM PERSPEKTIF EKONOMI ISLAM." IQTISODINA 6, no. 1 (2023): 01–21. https://doi.org/10.35127/iqtisodina.v6i1.6911.

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Shopee adalah salah satu marketplace yang menjadi perantara antara penjual dan pembeli di dunia maya. Marketplace ini memiliki metode pembayaran yang disebut spaylater. Spaylater merupakan beli sekarang bayar nanti yang ada di aplikasi shopee dengan sistem jual beli kredit. Adanya spaylater banyak pengguna shopee menggunakan pinjaman spaylater tanpa mengetahui akadnya terlebih dahulu. Maka ada 2 permasalahan yang menjadi kajian pokok dalam penelitian ini, yaitu pertama, bagaimana mekanisme transaksi jual beli menggunakan spaylater. Kedua, bagaimana pandangan ekonomi islam terhadap transaksi sp
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Komaria, Hikmatul. "Qardh Agreement on Spaylater Limit Loans According to The View of MUI Fatwa About Sharia Electronic Money." Rechtenstudent 4, no. 2 (2023): 117–24. http://dx.doi.org/10.35719/rch.v4i2.271.

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SPayLater is a shopping loan provided by Shopee. SPayLater loans can be used by users to buy their needs in installments without a credit card. This SPayLater Limit Loan uses the Qardh contract. A Qardh contract is a loan given by one person to another with the condition that the borrower must return the value of what was borrowed. The issue of this legal research is: what is the mechanism for the SPayLater limit loan at Shopee and what is the Qardh contract for the SPayLater limit loan according to the view of DSN-MUI Fatwa No: 116/DSN-MUI /IX/2017 concerning Sharia Electronic Money. The rese
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Tarisya Dwi Gita and Nova Adhitya Ananda. "DI BALIK KEPUTUSAN PEMBELIAN: APA YANG MENDORONG GEN Z KECAMATAN SUMBAWA MENGGUNAKAN SPAYLATER?" Jurnal Ekonomi dan Bisnis Indonesia 10, no. 1 (2025): 1–8. https://doi.org/10.37673/jebi.v10i1.5472.

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Penelitian ini bertujuan untuk mengetahui peran dari Gaya Hidup, Kemudahan, Kepercayaan, dan Promosi Penjualan dalam mendorong Keputusan Pembelian Gen Z Kecamatan Sumbawa dalam menggunakan metode pembayaran SPayLater. Penelitian ini menggunakan metode kuantitatif dengan pendekatan deskriptif. Sehingga penelitian ini memberikan gambaran dan penjelasan terperinci terkait topik penelitian berdasarkan data yang diperoleh melalui kuesioner yang disebar secara langsung. Penentuan sampel diperoleh melalui teknik non probability sampling dan metode purposive sampling dengan menggunakan rumus dari Paul
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Syafi’i, Imam. "Analisis Jual Beli Online Menggunakan Sistem Spaylater Dalam Perspektiffiqih Muamalah Kontemporer." JURNAL AZ-ZAWAJIR 3, no. 2 (2023): 36–53. http://dx.doi.org/10.57113/jaz.v4i1.345.

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SpayLater adalah metode pembayaran “beli sekarang bayar nanti” yang disediakan oleh PT. Commerce Finance di aplikasi Shopee dan di awasi langsung oleh OJK (otoritas jaa keuangan). Dengan SpayLater ini pengguna shopee dapat membeli barang yang di inginkan terlebih dahulu dan membayarnya di bulan berikutnya atau dengan cicilan selama beberapa bulan. Penelitian ini bertujuan untuk mengetahui: 1) Hukum Jual Beli Online menurut Fatwa DSN/MUI; 2) Perspektif Fiqih Muamalah Kontemporer terhadap mekanisme akad Jual Beli Online di Aplikasi Shopee; 3)Perspektif Fiqih Muamalah Kontemporer terhadap Jual Be
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5

Dewi Ulfa, Retno, and Lina Kushidayati. "Tinjauan Hukum Islam terhadap Pinjaman Shopeepaylater." TAWAZUN : Journal of Sharia Economic Law 5, no. 2 (2023): 208. http://dx.doi.org/10.21043/tawazun.v5i2.14485.

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<p>With the rapid development of technology, an application for online shopping (marketplace) was born. One of the largest in Indonesia is the Shopee marketplace. In the Shopee application there is a payment feature that can be made in stages, known as Spaylater. In this study, the theory used is the sale and purchase contract, loan contract, hiwalah contract and usury. This research uses the type of field research or field studies using a qualitative approach. This research was conducted on the Shopee application, where in the Shopee application there is an online loan feature called Sp
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Dhoni, Arma. "Efektivitas Hukum Larangan Riba Terhadap Metode Pembayaran Online." Syntax Literate ; Jurnal Ilmiah Indonesia 7, no. 9 (2024): 15846–55. http://dx.doi.org/10.36418/syntax-literate.v7i9.14675.

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Artikel ini bermaksud untuk mengkaji system pembayaran kredit dalam perspektif ekonomi Islam. Dengan menggunakan studi kasus SPayLater. Artikel ini menyimpulkan bahwa SPayLater mengandung riba. Metode yang dipakai dalam penelitian berdasarkan data kualitatif. Dalam Islam, ada aturan khusus terkait pembayaran cicilan seperti ini mengingat utang sangat dekat dengan riba bila terdapat keuntungan di dalamnya. Tetapi walaupun SPayLater ini terdapat kemungkinan mengandung riba, perilaku berbelanja menggunakan SPayLater justru tidaklah rendah dengan berbagai macam kemudahan yang ditawarkan dan kebutu
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7

Salamah, Ummu. "THE EFFECT OF SHOPEE PAYLATER ON STUDENT CONSUMPTION BEHAVIOR." ROMEO REVIEW OF MULTIDISCIPLINARY EDUCATION CULTURE AND PEDAGOGY 1, no. 3 (2022): 21–24. http://dx.doi.org/10.55047/romeo.v1i3.229.

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Globalization helps the globe to advance, particularly in the sphere of innovation, which is currently increasing rapidly as proven by the advent of Financial Technology (fintech), one of which is SPayLater. This study seeks to learn more on how teens, particularly students, use or engage in web-based buying using the spotlight of SPayLater. A subjective enlightening research strategy with a phenomenological perspective is used in this work. The review's findings are derived from a study of previous investigations. The findings indicate that the way of life or utilization and social impacts af
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8

Trianita, Mery, Fafa Fuji Lia Ristoni, and Yunilma Yunilma. "Peran Teori TAM Dalam Meningkatkan Repurchase Intention Pengguna SPayLater Di Kota Padang." Jurnal Ekonomi dan Bisnis Dharma Andalas 26, no. 2 (2024): 311–23. http://dx.doi.org/10.47233/jebd.v26i2.1531.

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Electronic payments are an opportunity for e-commerce companies to increase their sales transactions. One way is to use Shopee PayLater. This research aims to analyze the influence of Perceived Easy of Use, Perceived Usefulness and Trust on Repurchase Intention of SPayLater Users. The sample collection method used is purposive sampling, where samples are taken based on certain criteria, so that the number of samples obtained is 80 people. In analyzing the data using the Smart PLS program, it shows that Perceived Ease of Use and Trust have no effect on Repurchase Intention among SPayLater users
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Purwati, Sri Indah, and Firman Setiawan. "Pengaruh Kemudahan, Manfaat, Risiko dan Religiusitas terhadap Keputusan Penggunaan Spaylater." Journal of Management, Accounting, and Administration 1, no. 3 (2025): 181–89. https://doi.org/10.52620/jomaa.v1i3.114.

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Pertumbuhan kredit BNPL (Buy Now Pay Later) atau yang biasa disebut dengan paylater di Indonesia meningkat pesat, salah satunya adalah SPaylater. SPaylater adalah sistem pembayaran transaksi jual beli yang mana pembayaran dari pembelian produk tersebut dapat dibayarkan secara cicilan. Penelitian ini bertujuan untuk mengetahui pengaruh kemudahan, manfaat, risiko dan religiusitas teradap keputusan Mahasiswa Fakultas Keislaman Universitas Trunojoyo Madura dengan penggunaan fitur SPaylater. Teknik pengambilan sampel menggunakan teknik purposive sampling, sampel yang digunakan sebanyak 134 responde
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Prasetyo, Yoyok, and Neneng Fatimah. "REVIEW OF DSN-MUI FATWA NO. 177 / DSN-MUI / II / 2018 AGAINST THE PRACTICE OF PAYING PRODUCTS ON CREDIT USING THE SHOPEE PAYLATER PAYMENT FEATURE ON THE SHOPEE APPLICATION." Al-Muamalat: Jurnal Ekonomi Syariah 9, no. 1 (2022): 7–13. http://dx.doi.org/10.15575/am.v9i1.14617.

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This study aims to find out to practice credit payments using the SPayLater feature in the Shopee application and the suitability of loan funds through the SPayLater feature is based on the DSN-MUI fatwa No.177/DSN-MUI/II/2018 concerning Information Technology-Based Financing Services Based on Sharia Principles. This research was conducted using a descriptive method, which describes specifically the practice of product payments using the SPayLater feature and conformity analysis based on sharia. The results of this study conclude that the use of SPayLater can be done after activation. As for t
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11

Aurin, Rizkiza, and Ratih Kusumastuti. "Pengaruh Literasi Keuangan Dan Kepercayaan Terhadap Minat Penggunaan Shopee Pay Later." JCA (Jurnal Cendekia Akuntansi) 4, no. 2 (2023): 82. http://dx.doi.org/10.32503/akuntansi.v4i2.4522.

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In the 2022 digital literacy report, Shopee has become the number one choice for online shopping in Indonesia with a market share of approximately 3.37%. Technological breakthroughs like SPayLater have provided convenience and trust to consumers in financial transactions. This research aims to evaluate the relationship between financial literacy and the level of trust among students and their interest in using SPayLater services. The research method used is an associative research method that focuses on exploring the relationship between financial literacy, trust levels, and interest in using
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Rosyada, Mohammad. "Pengaruh Gaya Hidup, Kemudahan dan Kepercayaan Terhadap Perilaku Konsumtif Generasi Z Muslim Pengguna SPay Later." Coopetition : Jurnal Ilmiah Manajemen 15, no. 3 (2024): 515–26. https://doi.org/10.32670/coopetition.v15i3.4001.

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This research aims to determine the influence of lifestyle, ease of use of PayLater services, and trust in using the PayLater application on the consumer behavior of generation Z Muslims who use SPayLater. This research is quantitative research with the data source for this research referring to primary data originating from generation Z Muslims who use SPayLater in Pekalongan City. The sampling technique uses purposive sampling with a sample size of 100 people and the data analysis method uses multiple linear regression analysis. The results of this research show that Lifestyle, Convenience a
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Ningsih Wijaya, Ade, Umi Hanik, Wulandari Wulandari, Nabila Nabila, and Lisa Kustina. "Pengaruh Persepsi Kemudahan Penggunaan, Kepercayaan, Risiko dan Keamanan Terhadap Impulse Buying Pengguna Spaylater di Kabupaten Bekasi." GLOBAL: Jurnal Lentera BITEP 2, no. 01 (2024): 28–41. http://dx.doi.org/10.59422/global.v2i01.185.

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Perkembangan dunia digital telah mengubah cara sektor ritel dan keuangan beroperasi, terutama dalam perilaku belanja konsumen. E-commerce, yang telah menjadi bagian integral dari transformasi ini, menawarkan beragam opsi pembayaran untuk meningkatkan kenyamanan konsumen, seperti metode paylater. Contohnya, Shopee sebagai platform e-commerce terbesar di ASEAN telah memperkenalkan fitur paylater bernama SPaylater, di mana jumlah pengunjung harian platform ini mencapai 33,27 juta. Tak hanya itu, pandangan terhadap risiko juga Memahami bagaimana pandangan terhadap tingkat kenyamanan penggunaan, ke
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Yulianah, Yuyun, Mumuh M. Rozi, M. Rendi Aridhayandi, and Muhammad Fahmi Anwar. "ANALISA TERHADAP PENGGUNA APLIKASI SHOPEE YANG MENGALAMI KETERLAMBATAN PEMBAYARAN SPAYLATER." Jurnal Hukum Mimbar Justitia 8, no. 2 (2022): 487. http://dx.doi.org/10.35194/jhmj.v8i2.3048.

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SPaylater is a feature in shopee e-commerce that is used as a payment method that provides loans for its users, to make transactions on e-commerce in the shopee application. The use of the SPayLater feature imposes terms and conditions that must be met. However, users often ignore these terms and conditions, resulting in legal consequences. The problems studied are: (1), what are the factors that cause delays in payment of SPayLater users to consumers?, (2) What is the impact of late payments of SPayLater on the shopee application?, (3) What are the responsibilities of the parties?. The proble
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SAFITRI, ADELIA, I. GUSTI KETUT GEDE, and NI NYOMAN SUPIATNI. "ANALISIS KEMUDAHAN PENGGUNAAN DAN PERSEPSI RISIKO TERHADAP MINAT MENGGUNAKAN SHOPEE PAYLATER (STUDI KASUS PADA MAHASISWA POLITEKNIK NEGERI BALI)." GANEC SWARA 18, no. 3 (2024): 1456. http://dx.doi.org/10.35327/gara.v18i3.1013.

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In today's digital era, technology has advanced rapidly, enabling people to use their phones for various purposes easily, quickly, and instantly. E-commerce has grown rapidly in Indonesia, with Shopee being a leading platform. Shopee PayLater (SPayLater) allows users to make purchases with payment deferred to a later date. This study aims to analyze the factors of user-friendliness and risk perception influencing the interest of Bali State Polytechnic students in using SPayLater. Based on a survey conducted, SPayLater is very popular among students due to its convenience and various promotions
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Kurniasari, Intan, and Ladi Wajuba Perdini Fisabilillah. "FENOMENA PERILAKU BERBELANJA MENGGUNAKAN SPAYLATER SERTA DAMPAKNYA TERHADAP GAYA HIDUP MAHASISWA ILMU EKONOMI." Independent: Journal of Economics 1, no. 3 (2021): 207–18. http://dx.doi.org/10.26740/independent.v1i3.43637.

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Globalisasi sudah mendorong dunia semakin maju terutama pada bidang teknologi, pada era saat ini teknologi berkembang pesat dibuktikan dengan lahirnya Teknologi Finansial (fintech) salah satunya yakni SPayLater. Penelitian ini dilakukan untuk mengetahui lebih lanjut mengenai perilaku berbelanja online dengan menggunakan fitur SPayLater pada remaja khususnya pada mahasiswa Jurusan Ilmu Ekonomi Universitas Negeri Surabaya. Penelitian ini menggunkan metode penelitian deskriptif kualitatif dengan menggunkan pendekatan fenomenologi. Hasil penelitian yang didaptkan dari wawancara narasumber dan juga
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Sabilah, Siti Fauziyah, Ana Fitriana Poerana, and Nurkinan Nurkinan. "Motif dan Makna Penggunaan Fitur SPaylater di Kalangan Mahasiswi Universitas Singaperbangsa Karawang." Da'watuna: Journal of Communication and Islamic Broadcasting 3, no. 1 (2022): 106–16. http://dx.doi.org/10.47467/dawatuna.v3i1.2287.

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 The increase in online shopping transactions due to the COVID-19 pandemic has prompted fintech companies to introduce Paylater services as a new payment method. One of the Paylater provider platforms is Shopee which is widely used in Indonesian society since the last two years especially among young people, including students at Singaperbangsa Karawang University. This study aims to determine the motives and meanings of using SPaylater for students at Singaperbangsa Karawang University. This research methode use qualitative methode with a phenomenological approach, because the re
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Sabilah, Siti Fauziyah, Ana Fitriana Poerana, and Nurkinan Nurkinan. "Motif dan Makna Penggunaan Fitur SPaylater di Kalangan Mahasiswi Universitas Singaperbangsa Karawang." Da'watuna: Journal of Communication and Islamic Broadcasting 2, no. 4 (2022): 106–16. http://dx.doi.org/10.47467/dawatuna.v2i4.2287.

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 The increase in online shopping transactions due to the COVID-19 pandemic has prompted fintech companies to introduce Paylater services as a new payment method. One of the Paylater provider platforms is Shopee which is widely used in Indonesian society since the last two years especially among young people, including students at Singaperbangsa Karawang University. This study aims to determine the motives and meanings of using SPaylater for students at Singaperbangsa Karawang University. This research methode use qualitative methode with a phenomenological approach, because the re
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Ahmadi, Mirzam Arqy, Uswatun Khasanah, Putri Rizqya Faza, et al. "Muamalah Fiqh Analysis of the Use of Shopee Paylater." AT-TASYRI': JURNAL ILMIAH PRODI MUAMALAH 16, no. 1 (2024): 31–40. http://dx.doi.org/10.47498/tasyri.v16i1.2771.

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In the era of advancing technology, online services have become a solution to meet human needs by facilitating access to various aspects of life. One renowned online shopping platform is Shopee, Providing an extensive array of items, ranging from food and apparel to household appliances.. Shopee users are familiar with the "Pay Later" feature, or SpayLater, allowing payment for purchased items without an immediate settlement, known as a credit system with applicable terms and conditions. This research utilizes qualitative data obtained through documentation and literature studies from various
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Nurfaidah, Agus Umar Gazali, Bunyamin, Rusdiah, Andi Hadidu, and Sudirman. "The Effect of Financial Literacy and Technology Acceptance model on Student Interest in Using Paylater." Moneta : Journal of Economics and Finance 2, no. 3 (2024): 116–28. http://dx.doi.org/10.61978/moneta.v2i3.345.

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Globalisation and advancements in information technology have brought about rapid developments in the financial sector, including electronic money that facilitates cashless transactions. One of the latest innovations is SPayLater, an instalment service from Shopee that allows users to make purchases by paying later. Especially among Generation Z students, SPayLater has become a popular choice thanks to its ease of managing monthly budgets with fixed payments. This study adopts an associative approach to explore the impact of financial literacy and technology acceptance model (TAM) on interest
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Hamidah, Baiq Wanda, Lady Faerrosa, and L. Jatmiko Jati. "PENGARUH LINGKUNGAN SOSIAL, HEDONIC SHOPPING MOTIVATION, DAN UTILITARIAN VALUE TERHADAP PERILAKU KONSUMTIF PENGGUNA SPAYLATER." ECONOMIST: Jurnal Ekonomi dan Bisnis 1, no. 4 (2024): 11–23. https://doi.org/10.63545/economist.v1i4.34.

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Alasan generasi Z menggunakan SPayLater adalah karena belum memiliki kemampuan finansial yang cukup untuk memenuhi kebutuhan dan keinginan mereka. Selain itu, syarat pengajuan yang mudah, pembayaran dengan sistem cicil dan limit pinjaman yang besar sehingga layanan SPayLater menjadi alternatif untuk memperoleh sebuah barang. Alat analisis dalam penelitian ini adalah SPSS Versi 23. Berdasarkan hasil dari pembahasan di atas diperoleh kesimpulan bahwa variabel lingkungan sosial, hedonic shopping motivation, dan utilitarian value memberikan pengaruh positif dan signifikan terhadap perilaku konsumt
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Salsabila, Shafa Tasya, Yuli Kartika Dewi, and Sonia Bachtiar. "The Influence of Perceived Trust, Usefulness, Risks and Financial Knowledge on Interest in Using SPayLater." Jurnal Manajemen Bisnis 11, no. 1 (2024): 392–404. http://dx.doi.org/10.33096/jmb.v11i1.734.

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This study aims to determine the effect of perceived trust, usefulness, risk, and financial knowledge on interest in using SpayLater. This research method uses a quantitative approach with a research sample of 231 generation Z communities in Java. The data collected was tested using the SEM-PLS technique through SmartPLS 4.0 software. The test results show that perceived trust, benefits, and risks have a positive and significant effect on interest in using SpayLater. Meanwhile, financial knowledge does not affect interest in using SpayLater. These results are expected to provide positive impli
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Badi'ah, Siti Shalehatul, and Dyta Setiawati Hariyono. "Hubungan Kontrol Diri terhadap Keputusan Pembelian Menggunakan Spaylater." JIIP - Jurnal Ilmiah Ilmu Pendidikan 6, no. 11 (2023): 9069–77. http://dx.doi.org/10.54371/jiip.v6i11.2865.

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Dalam membeli suatu produk, terdapat proses keputusan yang mendahului hingga diikuti tindakan pembelian. Penelitian ini bertujuan untuk mengetahui hubungan kontrol diri terhadap keputusan pembelian menggunakan Spaylater. Metode dalam penelitian ini menggunakan metode kuantitatif. Subjek dalam penelitian ini adalah pengguna Spaylater sebanyak 200 orang dengan penentuan sampel menggunakan non-probability sampling dengan cara purposive sampling. Berdasarkan analisis data pada penelitian ini melalui pengujian statistik, dapat ditarik kesimpulan bahwa terdapat hubungan kontrol diri terhadap keputus
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Orientani, Rezki, and Masmira Kurniawati. "Factors Influencing Intention to Use SPayLater in Indonesia." JURNAL MANAJEMEN BISNIS 8, no. 2 (2021): 285–94. http://dx.doi.org/10.33096/jmb.v8i2.842.

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Payment instruments are part of technological developments. The existence of this development is utilized by finance companies such as peer-to-peer lending technology. Peer-to-peer lending in Indonesia continues to increase, one of the products of peer-to-peer lending companies is SPayLater which is a product of Shopee Indonesia and PT. Lentera Dana. This study provides an overview of the effect of perceived ease of use, perceived usefulness, perceived compatibility towards attitude toward using and perceived cost, subjective norm, personal innovativeness on intention to use. This study uses a
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Orientani, Rezki, and Masmira Kurniawati. "Factors Influencing Intention to Use SPayLater in Indonesia." Jurnal Manajemen Bisnis 8, no. 2 (2021): 285–94. http://dx.doi.org/10.33096/jmb.v8i2.119.

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Payment instruments are part of technological developments. The existence of this development is utilized by finance companies such as peer-to-peer lending technology. Peer-to-peer lending in Indonesia continues to increase, one of the products of peer-to-peer lending companies is SPayLater which is a product of Shopee Indonesia and PT. Lentera Dana. This study provides an overview of the effect of perceived ease of use, perceived usefulness, perceived compatibility towards attitude toward using and perceived cost, subjective norm, personal innovativeness on intention to use. This study uses a
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Awdes, Oca Amartya, Firman Surya, and Zahara Zahara. "Faktor-Faktor Yang Memengaruhi Perilaku Penggunaan Fitur PayLater pada Aplikasi Shopee (SPayLater) Dengan Model UTAUT2." Accounting Information System, Taxes and Auditing Journal (AISTA Journal) 1, no. 2 (2022): 104–11. http://dx.doi.org/10.30630/aista.v1i2.13.

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This study aims to determine the factors that can influence the behavior of using the paylater feature in the Shopee application (SPayLater) using the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) model. The factors used in this study are performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, and habits. Respondents of this study were Politeknik Negeri Padang students who used the paylater feature in the Shopee application (SPayLater). The data used is primary data obtained using a survey technique by distributing
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Elvira Fitriyani Pakpahan, Febriyana Laia, and Torry Hia. "LEGAL CONSEQUENCES AGAINST Default in USING THE SPAYLATER FEATURES ON THE SHOPEE APPLICATION." Awang Long Law Review 5, no. 1 (2022): 295–305. http://dx.doi.org/10.56301/awl.v5i1.563.

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In this pandemic era, our mobility and range as a human being is getting smaller. Luckily we are now live in a digital world where everything can be done online. Such as shopping for daily necessities can also be done online. The payment options provided are also quite a lot. One of them is pay later. One of the marketplaces that provides this option is Shopee with the SPayLater service. To explore what are the legal consequences of default in the use of SPayLater services, legal arrangements regarding FinTech and how to minimize the occurrence of misuse of SPayLater services by using normativ
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Kartika, Kartika. "PERSEPSI KEMUDAHAN, KEMANFAATAN DAN KEPERCAYAAN DALAM PENGGUNAAN APLIKASI SHOPEEPAY LATER." ANALISIS 13, no. 1 (2023): 1–15. http://dx.doi.org/10.37478/als.v13i1.2502.

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This research was conducted with the aim to determine interest in usepayment system using SPayLater for students in Jember withusing the Technology Acceptance Model (TAM) model and the trust variable.The sample used in this study was 107 people who hadusing the SPayLater payment method. Data collection techniquescarried out by distributing questionnaires through the Google Form. Methoddata processing is done using Structural Equation analysisModeling-Partial Least Square (SEM-PLS) through the SmartPLS version 4 application.The results of this study are that there is a positive influence from p
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Deany Fitri, Tiara, and Widwi Handari Adji. "Pengaruh Shopeepaylater terhadap Daya Beli dan Perilaku Konsumtif Mahasiswa di Politeknik Piksi Ganesha Bandung." Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 6, no. 5 (2024): 3601–14. http://dx.doi.org/10.47467/alkharaj.v6i5.1137.

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This research discusses the influence of Shopee PayLater (Spaylater) on the purchasing power and consumer behavior of students at the Piksi Ganesha Polytechnic in Bandung. Involving 101 respondents, this research used quantitative methods with validity, reliability, normality tests, and T and F tests to analyze the data. The research results show that Spaylater has a significant positive influence on students' purchasing power and consumer behavior. The validity and reliability test results show that the research instrument is valid and reliable. Statistical analysis, including T and F tests,
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Mubin, Muhammad Fathan Barkan, and Terttia Avini. "ANALISIS KEPUASAAN PELAYANAN SPAYLATER DI APLIKASI SHOPEE MENGGUNAKAN METODE SERVQUAL (STUDI KASUS PADA MAHASISWA PRODI SISTEM INFORMASI PENGGUNA SPAYLATER DI UNIVERSITAS INDO GLOBAL MANDIRI)." JUSIM (Jurnal Sistem Informasi Musirawas) 8, no. 1 (2023): 1–7. http://dx.doi.org/10.32767/jusim.v8i1.1950.

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Abstrak Aplikasi yang berkembang pesat dalam beberapa tahun terakhir adalah aplikasi pembayaran digital, yang memungkinkan pengguna untuk melakukan transaksi pembayaran dengan mudah dan cepat. Tujuan dari penelitian ini adalah untuk mengetahui tingkat kepuasan maupun ketidakpuasan pelanggan dalam menggunakan aplikasi Spaylater di Aplikasi Shopee, dalam hal ini Mahaisiswa pada prodi sistem informasi pada Fakultas Ilmu Komputer Universitas Indo Global Mandiri, Pada penelitian ini digunakan metode SERVQUAL dengan lima dimensi pelayanan yaitu tangible, reliability, responsiveness, assurance, dan e
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Wulan Dary, Riszha, and Muhammad Pudjihardjo. "PENGARUH KEPERCAYAAN, KEMUDAHAN, RELIGIUSITAS DAN PERSEPSI RISIKO TERHADAP KEPUTUSAN PEMBELIAN MENGGUNAKAN SPAYLATER." Islamic Economics and finance in Focus 1, no. 3 (2022): 252–63. http://dx.doi.org/10.21776/ieff.2022.01.3.07.

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The development of globalization has an impact on human life by bringing changes to human life. various fields today. One of them is the field of technology and information that is developing and cannot be separated from the internet. Many marketplaces have sprung up in Indonesia, this research focuses on the shopee marketplace. Shopee is the most visited marketplace in Indonesia. Shopee provides various payment methods, one of which is Spaylater. The Spaylater system is the same as a credit card in that it provides loans to its users. The younger generation, namely Generation Z, currently dom
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Sri, Fuji Dewi, and Anisa Rahmawati. "THE EFFECTIVENESS OF SPAYLATER USAGE IN SHOPPING ACTIVITIES DURING COVID-19 PANDEMIC." ROMEO REVIEW OF MULTIDISCIPLINARY EDUCATION CULTURE AND PEDAGOGY 1, no. 3 (2022): 9–20. http://dx.doi.org/10.55047/romeo.v1i3.222.

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This study aims to determine the level of satisfaction with the use of e-wallet (Shopee Pay) as a non-cash payment instrument. The research method used is descriptive qualitative research. The technique of collecting data is by means of a survey in the form of a questionnaire instrument which is then distributed via google form. Simple random sample was used as a sampling technique of 80 respondents. SPayLater is an online shopping platform that aims to facilitate the online shopping process for Shopee users. SPayLater is a payment method that uses bailout funds from the application company in
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Widiastuti, C. Tri, and Efriyani Sumastuti. "Financial Literacy, Usage of Pay-Later Services, and Impulse Buying: The Mediating Role of Shopping Habits." Indonesian Journal of Business and Entrepreneurship 11, no. 2 (2025): 479. https://doi.org/10.17358/ijbe.11.2.479.

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Background: SPayLater, a Shopee digital payment feature, enables users to buy now and pay later, shaping Generation Z’s shopping habits and contributing to impulsive buying tendencies. Financial literacy plays a crucial role in managing personal finances and avoiding unplanned purchases.Purpose: This study examines the effect of financial literacy and SPayLater usage on impulse buying, with shopping habits serving as a mediating variable among Generation Z consumers in Semarang.Design/methodology/approach: The current study used a quantitative approach, with 100 respondents from Generation Z i
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Bunga Pamela Anugraheni and Baidhowi Baidhowi. "Keabsahan Transaksi Spaylater pada Aplikasi Shopee dalam Jual-Beli Menurut Hukum Ekonomi Syariah." Maslahah : Jurnal Manajemen dan Ekonomi Syariah 3, no. 3 (2025): 123–32. https://doi.org/10.59059/maslahah.v3i3.2477.

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Technological advancements in the financial sector have led to various innovations, one of which is the SPayLater service, which allows consumers to make purchases using a deferred payment or installment system. In practice, this system raises various questions regarding the validity of transactions from the perspective of Islamic Economic Law, particularly in terms of compliance with the principles of sale and purchase contracts, as well as the potential presence of riba (usury) and gharar (uncertainty).This study aims to examine the validity of SPayLater transactions by analyzing the contrac
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Nining, Mariani, and Sulhaini. "Influence of Spaylaters, Lifestyle, and Religiosity on Purchasing Decisions: A Case Study on Shopee." Journal of Economics, Finance And Management Studies 08, no. 05 (2025): 2631–38. https://doi.org/10.5281/zenodo.15422717.

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This study examines the impact of Shopee PayLater—a buy-now-pay-later service offered by the Shopee marketplace, also known as SPayLater—and lifestyle on purchasing decisions, with religiosity as a moderating variable. The research focuses on Shopee users aged 17 and above in Mataram City who have made transactions using Paylater. Primary data was collected through an online questionnaire (Google Forms) from 100 respondents and analyzed using SmartPLS 4. The findings reveal that SPayLater and lifestyle positively influence purchasing decisions. However, religiosity does not signifi
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Muhammad Renaldi Aditya Putra, Eka Della Amel Nur Samsu, Ajeng Fitrianingrum, Auliya Dwiyanti, Luluk Afiatuz Zahro, and Waluyo Waluyo. "Analisis Fiqh Muamalah terhadap Praktik Jual Beli Online di Era Digital dengan Pembayaran Spaylatter." Maslahah : Jurnal Manajemen dan Ekonomi Syariah 3, no. 1 (2024): 150–58. https://doi.org/10.59059/maslahah.v3i1.1961.

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Currently we have entered the era of digitalization or what is called the modern era. Technology is developing rapidly, especially in the field of online buying and selling that It makes it easier to access all the necessities of life. In Indonesia, there are many online sales and purchase applications, one of which is the Shopee application which provides various kinds of life needs ranging from food, clothes, household appliances and even tertiary needs (cars, motorcycles, and so on). Where shopee also provides various ways to pay, from on-site payment (COD system) when the goods are in the
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Ermansyah, Ermansyah. "The Influence Of Strategic Shopeepay, Spaylater, And Cash On Delivery Payment Methods Purchasing Decisions in E-Commerce." InJEBA : International Journal of Economics, Business and Accounting 2, no. 3 (2024): 485–92. https://doi.org/10.5281/zenodo.13909546.

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This research to determine the influence of the ShopeePay, SpayLater, and Cash on Delivery variables on consumer purchasing decisions. The research was conducted on the Panam community in Pekanbaru City. The type of research used in quantitative research. The sample consisted of 96 people using purposive sampling technique. The data analysis method in this study uses multiple linear regression with the SPSS Statistics Application. The research results show that the ShopeePay variable (X1) has a positive and significant effect on purchasing decisions (Y), the SpayLater variable (X2) has no effe
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Noer, M. Raihan, Senta Rina Damanik, Roni Sianturi ., Bonaraja Purba ., and Khairul Adli Batubara. "IMPACT OF FINTECH REGULATIONS ON SPAYLATER OPERATIONS AS WELL AS A REVIEW OF SPAYLATER CONSUMER PROTECTION LAWS." Jurnal Ekonomi dan Bisnis (EK&BI) 7, no. 1 (2024): 348. https://doi.org/10.37600/ekbi.v7i1.1433.

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This research aims to see the impact of fintech regulations on Shopee Paylater online loan operations as well as studying consumer protection laws in Shopee Paylater services. The method used in this research is the normative legal method, namely a research approach that focuses on the norms or legal regulations that apply and must be obeyed by society. The results of the analysis show that Financial Technology operates under the auspices of the central bank, namely Bank Indonesia, while also being supervised by applicable laws. The law that oversees financial technology is Law no.4 of 2023 co
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Akib, Nasifa Tridasari, Ika Yuliana, Rini Anggriani, and Lanang Jatmiko Jati. "Impulsive Buying pada Pengguna Shopee Generasi Z: Gaya Hidup, Fitur Spaylater dan Word of Mouth." AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis 5, no. 2 (2025): 937–46. https://doi.org/10.37481/jmeb.v5i2.1375.

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Online shopping is now an important part of the lifestyle of Generation Z due to the rapid development of e-commerce applications. Generation Z in the city of Mataram tends to have a lifestyle that follows things that are on the rise or commonly referred to as ‘fomo’. In order to fulfill personal desires in following a trend in the context of the lifestyle of Generation Z tend to do shopping without thinking. Generation Z, which is called the digital generation because it is close to technology, is the future consumer of e-commerce platforms. The purpose of this study was to determine the effe
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Noviyanti, Dewi, Yuniwati, and Suratno. "Legal Protection Analysis of Personal Data Breaches in Shopee Paylater Consumer Loan Transactions." Journal of Law and Economics 4, no. 1 (2025): 39–49. https://doi.org/10.56347/jle.v4i1.240.

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The widespread use of personal information in pay-later-based loan applications services reflects the vulnerability of digital security systems implemented by technology companies in Indonesia. Recently, several Shopee users reported being victims of such cases, claiming they never activated the paylater feature, yet their bank loan applications were declined due to poor credit records linked to SPayLater usage. While services like Shopee's SPayLater offer convenience, they also increase the risks of default and data breaches. Incidents such as improper debt collection practices and unauthoriz
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Natalia, Ni Kadek Pingkan Putri, Anak Agung Sagung Laksmi Dewi, and Ni Made Puspasutari Ujianti. "Akibat Hukum dari Keterlambatan Pembayaran Spaylater bagi Pengguna E-Commerce Shopee." Jurnal Preferensi Hukum 3, no. 1 (2022): 196–200. http://dx.doi.org/10.22225/jph.3.1.4683.196-200.

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Spaylater is a feature in Shopee's E-Commerce that is used as a payment method that provides loan funds for its users to make transactions on Shopee's E-Commerce. In using the spaylater feature, terms and conditions must be met. However, users often ignore these terms and conditions, resulting in legal consequences. Based on this phenomenon, this study reviews the legal arrangements regarding spammers in Shopee's E-Commerce and reveals the legal consequences that arise if Shopee's E-Commerce users delay in paying the spamer. The type of research used in this research is normative legal researc
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Holik, Abdul, and Asep Maulana. "Pengaruh Persepsi Kemudahan dan Persepsi Risiko terhadap Minat Menggunakan SPayLater." J-MAS (Jurnal Manajemen dan Sains) 8, no. 2 (2023): 1282. http://dx.doi.org/10.33087/jmas.v8i2.847.

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The study aims to find out, explain, and analyze and test the Effect of Perceived Ease of Use and Perceived Risk on Interest in using the SPayLater. This research was conducted using quantitative methods with descriptive and verification approaches, by collecting presentations, through the analys process and hypothesis testing as well as making conclusions and suggestions from the research results. The sample used is simple random sampling method, the number of sampels is obtained by using the formula of Isaac and Michael with an error rate of 10%, obtained 270 samples from 87.277 populations.
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Nurfaidzi, Fachry, Ismi Kaniawulan, and Dayan Singasatia. "ANALISIS PENERIMAAN FITUR SHOPEE PAYLATER PADA APLIKASI SHOPEE MENGGUNAKAN TECHNOLOGY ACCEPTANCE MODEL (TAM)." Jurnal Informatika Teknologi dan Sains (Jinteks) 5, no. 4 (2023): 649–54. http://dx.doi.org/10.51401/jinteks.v5i4.3262.

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Organisasi atau perusahaan komersial harus menggunakan e-commerce agar tetap kompetitif dalam skala dunia. Shopee adalah e-commerce yang paling diminati, fitur yang disediakan berkaitan dengan sistem pembayaran, adalah fitur SPaylater. Paylater yang banyak digunakan sepanjang tahun 2021 yaitu Shopee Paylater sebanyak 78,4%. Menerapkan metode Technology Acceptance Model (TAM) dengan empat konstruk yaitu Perceived usefulness, Perceived ease of use, Attitude to using, Actual system use, dan satu variabel eksternal yaitu Trust, penelitian ini bertujuan untuk mengetahui apa saja yang mempengaruhi p
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Andriati, Syarifah Lisa. "ANALISIS PENGARUH SISTEM PAYLATER TERHADAP SIKAP KONSUMTIF MASYARAKAT DARI SUDUT PANDANG HUKUM EKONOMI SYARIAH." Journal of Sharia Economics 5, no. 2 (2024): 126–32. http://dx.doi.org/10.22373/jose.v5i2.3996.

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In this era, human life is heavily influenced by technology, especially in terms of business. The use of PayLater, which means "buy now, pay later," is one example of the use of advanced technology in the business world. With technological advances in the modern era, especially e-commerce payment systems, SpayLater is becoming increasingly popular. PayLater is a purchase method that allows payments to be made later in a given period of time. In Islamic law, this is called the sale of Istijrar. However, scholars argue that it is a violation of the sale system when the goods to be bought are unk
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Damayanti, Nita, and Tamam Tamam. "Pengaruh Spaylater Dan Cod (Cash On Delivery) Terhadap Keputusan Pembelian Di Marketplace Shopee (Studi Pada Mahasiswa/i Universitas Muhammadiyah Kalianda)." Jurnal Ekonomika Dan Bisnis (JEBS) 4, no. 6 (2024): 1638–45. http://dx.doi.org/10.47233/jebs.v4i6.2230.

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The use of the internet and mobile phones is not just to find various information, but people today make the internet, especially E-Commerce, part of their lifestyle. Shopee not only makes it easier to shop, but Shopee also makes it easy to make transactions when shopping. One of them is by payment methods using digital money such as ShopeePay, ShopeePay Later and COD. With ease in the purchase transaction process. This study was conducted to determine the influence of Shopeepay later and COD (Cash On Delivery) on the purchase decision of students of the University of Muhammadiyah Kalianda on
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Kartika Sandra, Dewi, and Cindi Audia Fithrotunisa. "Perilaku impulse buying terhadap layanan spaylater dan gratis ongkir sebagai strategi marketing shopee." Jurnal Riset Pendidikan Ekonomi 8, no. 2 (2023): 188–98. http://dx.doi.org/10.21067/jrpe.v8i2.8680.

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The development of the digital world in the 4.0 era has made many online buying and selling platforms progress which makes it easier for users to make transactions. People who previously only made transactions offline, are now spoiled for choice with the convenience of shopping online. In line with that, now more and more consumers tend to buy goods excessively without thinking. This condition is better known as impulse buying. This study aims to analyze Impulse Buying behavior towards Spaylater services. This study uses a qualitative method. In this study the data used is secondary data. Data
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Qomariyah, Lailatul, and Mas Anienda Tien Fitriyah. "Konstruksi Perjanjian Finansial Teknologi Pembiayaan Multiguna Shopee Pay Later Pada E-Commerce Shopee Indonesia." Legal Spirit 7, no. 2 (2023): 155. http://dx.doi.org/10.31328/ls.v7i2.4627.

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The convenience provided by online loans has a risk if the debtor fails to pay, especially since there is no guarantee in this online loan system. This, of course, will be disastrous for creditors. Shopee Pay Later, one of the marketplace-based online loan providers from the Shopee application, provides loans for users through the distribution of multipurpose financing online without collateral. This research uses a normative-juridical method. The SPayLater multipurpose financing agreement, literature studies, and laws and regulations are the data sources. Conceptual and statutory approaches b
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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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Rismayanti, Gusti Ayu Putri, and I. Putu Sudana. "Exploration of Women's Purchase Decision Making: Tendencies to Use Spaylater Payment Facilities." International Journal of Economics and Management Studies 11, no. 12 (2024): 79–91. https://doi.org/10.14445/23939125/ijems-v11i12p108.

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Nadya Ivi Oktaviani, Rifchyka Putri Hermawan, and Cita Rahma Utami. "TINJAUAN HUKUM TERHADAP PERLINDUNGAN KONSUMEN DALAM LAYANAN SHOPEE PAY LATER." JURNAL ILMIAH PENELITIAN MAHASISWA 2, no. 6 (2024): 01–10. http://dx.doi.org/10.61722/jipm.v2i6.481.

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Abstract. This research examines aspects of consumer legal protection in the Shopee Pay Later (SPayLater) service, which is part of the rapidly growing fintech trend in Indonesia. Along with the increasing use of digital credit services such as Pay Later, the issue of consumer protection is becoming increasingly crucial. The role of the Financial Services Authority (OJK) and Bank Indonesia (BI) in ensuring that Shopee Pay Later complies with existing regulations and provides protection for its consumers. Using a normative juridical approach, this research evaluates the regulations in Indonesia
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