PERSEPSI MAHASISWA MENGENAI PROMOSI CASHBACK DAN LAYANAN PAYLATER DALAM MEMBENTUK POLA KONSUMSI
DOI:
https://doi.org/10.69714/rf7v9s81Keywords:
Cashback Promotions, PayLater Services, Consumption PatternsAbstract
This study examines students' perceptions of cashback promotions and PayLater services and their impact on consumption patterns. The method used is qualitative with a phenomenological approach through in-depth interviews with students who use PayLater services. The results show that cashback promotions and the convenience of PayLater encourage consumptive behavior, where students tend to shop more frequently and purchase items that are not necessarily needed. Cashback is seen as an incentive that increases shopping frequency, while PayLater creates the illusion of additional funds, making credit purchases easier. This situation poses potential financial risks, such as debt accumulation. The study emphasizes the importance of financial literacy education to help students manage the use of digital financial services wisely.
References
Anggun Fitria 2013031066, & Pembimbing. (2021). PENGARUH PENGGUNAAN SISTEM PEMBAYARAN SHOPEE PAYLATER, GRATIS ONGKOS KIRIM DAN CASHBACK TERHADAP PERILAKU KONSUMTIF MAHASISWA JURUSAN PIPS UNIVERSITAS LAMPUNG.
Bado, B., Astuty, S., Retno, D., Astuti, D., & Rajab, A. (2025). Jurnal Bisnis Net Volume : 8 No . 1 Juni , 2025 | ISSN : 2621-3982 EISSN : 2722-3574 ANALISIS DAMPAK LAYANAN PAYLATER TERHADAP PERILAKU KONSUMSI MAHASISWA DI KOTA MAKASSAR ( STUDI KASUS MAHASISWA UNM ) Jurnal Bisnis Net Volume : 8 No . 1 Juni , 2025 | ISS. 1, 181–187.
Elvi, F. (2025). Dampak Penggunaan Shopee Paylaterterhadapperilaku Konsumtif Mahasiswa(Studi Pada Program Studi Kewirausahaan Institutteknologi Keling Kumang). Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 9(1), 2222–2233. https://journal.stiemb.ac.id/index.php/mea/article/view/5388
Fajriyah, N. L. (2024). Pengaruh Fitur Shopee PayLater, Voucher Diskon, dan Cashback terhadap Perilaku Konsumtif Mahasiswa Pengguna Shopee di UNISDA Lamongan Angkatan 2020-2023. Αγαη, 15(1), 37–48.
Felix, A., Vindis, Yulianto, Lyem, R., Alexander, F., & Sutrisno, J. (2024). Pengaruh Shopee PayLater terhadap Perilaku Konsumtif Mahasiswa: Antara Kemudahan dan Perangkap The Impact of Shopee PayLater on Students’ Consumptive Behavior: Between Convenience and Traps. Jurnal Digismantech, 4(2), 33–43. http://dx.doi.org/10.30813/digismantech.v4i2.7605
Iii, B. A. B., Pendekatan, A., & Penelitian, J. (n.d.). BAB III METODE PENELITIAN. 33–42.
Muhamad, F., & Fauji, R. (2025). The Effect Of Peer To Peer Lending Paylater , Lifestyle And Income On The Financial Behavior Of Management Students Of Buana Perjuangan University Of Karawang Pengaruh Peer To Peer Lending Paylater , Gaya Hidup , Dan Pendapatan Terhadap Perilaku Keuangan . 6(3), 3229–3244.
Nurrohyani, R., & Sihaloho, E. D. (2020). Pengaruh Promosi Cashback pada OVO dan Go-Pay Terhadap Perilaku Konsumen Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Padjadjaran The Effect of Cashback Promotion on OVO and Go-Pay Against Consumer Behavior of Padjadjaran University Faculty of Econom. Jurnal Ilmu Ekonomi Dan Studi Pembangunan, 20(1), 12–25. https://creativecommons.org/licenses/by-sa/4.0/
Pernanda, T., Aswan, A., & Balele, B. (2021). Pengaruh Kemudahan, Kemanfaatan, Diskon, Dan Cashback Terhadap Konsumsi Mahasiswa Menggunakan E-Wallet. Journal of Business Administration (JBA), 1(2), 122. https://doi.org/10.31963/jba.v1i2.3011
Pratama, I. D. (2022). Pengaruh Promosi, Kepercayaan, Kemudahan, Dan Manfaat Terhadap Minat Bertransaksi Menggunakan Dompet Digital ShopeePay. 1–29. http://repositorybaru.stieykpn.ac.id/300/1/Ringkasan Skripsi Inggrit Dayu Pratama 111830041.pdf
Prelec, D., & Loewenstein, G. (2023). The Red and the Black: Mental Accounting of Savings and Debt. In Exotic Preferences (pp. 481–520). https://doi.org/10.1093/oso/9780199257072.003.0017
Putri, A. R., Priyadi, U., & Candra Maulana. (2025). Analisis perilaku impulsif pembayaran paylater pada mahasiswa Universitas Islam Indonesia. Jurnal Kebijakan Ekonomi Dan Keuangan, 3(2), 124–135. https://doi.org/10.20885/jkek.vol3.iss2.art2
Sari, R. (2021). Pengaruh Penggunaan Paylater Terhadap Perilaku Impulse Buying Pengguna E-Commerce di Indonesia. Jurnal Riset Bisnis Dan Investasi, 7(1), 44–57. https://doi.org/10.35313/jrbi.v7i1.2058
Sismar, A., & Abdi, S. (2023). Dompet Digital Pada Keputusan Pembelian Produk Online. Financial and Accounting Indonesian Research, 3(2), 92–99. https://doi.org/10.36232/jurnalfairakuntansiunimuda.v3i2.5582
syarehan. (2024). Strategi Promosi E-Commerce Shopee: Gratis Ongkos. Table 10, 4–6.
Wulandari, N., Arisanti, D., Kristiawati, I., & Mudayat, M. (2024). … Persepsi Kemudahan Penggunaan, Promosi Cashback, Dan Kepercayaan Terhadap Minat Menggunakan Aplikasi Ovo Pada Remaja Di …. Jutranis. https://jurnal.stiamak.ac.id/index.php/jut/article/view/194%0Ahttps://jurnal.stiamak.ac.id/index.php/jut/article/download/194/167
