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Gambar 3 Pay Later di E-commerce Dari gambar 3 di atas pay later disediakan untuk memfasilitasi transaksi agar konsumen lebih mudah serta menarik perhatian para pelaku belanja online dengan memberikan slogan "Belanja sekarang bayar Nanti". Sistem paylater memiliki fungsi yang mirip dengan kartu kredit memungkinkan para konsumen membeli produk atau layanan tanpa membayarnya secara langsung dapat juga dilakukan melalui cicilan. Hal ini yang membentuk pengguna tertarik untuk mengaktifkan fitur pay later didukung hasil survei pada gambar 4 dan 5, sebagai berikut :
Source publication
This study analyzes and finds out the consumptive behavior of the community in using online shopping through the pay later system law in the perspective of Islamic economics in Indonesian society. This research was conducted through a quantitative survey method with the data analysis process analyzing respondents' answers to the distributed survey...
Citations
... The ease of application manifests itself in the transaction experience of the consumer, which in turn influences consumer trust, an essential component of the digital connection between the buyer and the supplier [6]. Consumers take into consideration how simple it is to sign up for and use Paylater when making decisions regarding product purchases [7]. These features has lead to an increase in numbers of Paylater users. ...
In the age of digitalization, technology and information are developing rapidly, and the internet network is widespread, allowing individuals to do numerous transactions online. Electronic commerce, or e- commerce, is facilitated by many businesses. Nowadays people rarely want to bring cash and want payment method to be as simple as possible, with that a lot of people especially Generation Z choose using paylater as their payment method. This study aims to determines the effect of perceived ease of use, perceived security, and perceived usefulness of paylater on purchase decision at GoFood. Also, to determine the effect of purchase decision of Paylater on continuance intention at GoFood. The research method used on this study is quantitative research and the data collection techniques was carried out by surveying 200 respondent through questionnaire which are Gopay users live in Jakarta that are Generation Z and have made transaction at least once a month using Gopaylater. We use structural equation modelling (SEM) and SmartPLS for analyzing our data. The result of this study indicate that perceived ease of use and perceived security have significant positive effect on purchase decision. And, also purchase decision has a positive significant effect on continuance intention. But perceived usefulness do not have significant effect on purchase decision.
... Pembeli yang menggunakan limit Shopee Paylater harus mencicil hutang di Paylater sesuai dengan berapa bulan cicilan yang di ambil. Dalam pembayaran cicilan pada Paylater terdapat pilihan pembayaran yaitu diantaranya 3 bulan, 6 bulan dan 12 bulan (Khairunnisa et al., 2022). Tagihan pada Paylater akn muncul setiap bulan sampai tanggal jatuh tempo yang telah di tentukan Shopee. ...
The existence of Shopee Paylater is a form of development in the world of technology that makes it easy for everyone to shop from anywhere and at any time through the Shopee Paylater marketplace. The limit provided at Shopee Paylater also makes it easier for buyers who don't have money to use the existing limit on Shopee Paylater, which ranges from 750,000 to tens of millions. The system implemented in Shopee Pay later is buy now pay later. However, as time went on, many did not follow the existing regulations at Shopee Paylater with the emergence of a cash swipe service or commonly called a gestun which was used to withdraw the existing limit on Shopee Paylater. Actions like this clearly violate the regulations in the Shopee application itself. The purpose of this study is to find out whether the Shopee Paylater gesture service is in accordance with the principles of the Shari'ah Economy. The method used in this study is a descriptive qualitative method in which the researcher describes how the practice of gestune barcode services on Shopee Paylater and a review of Islamic law is in accordance with the principles of shari'ah. The results of this study are that the practice of gestune services is not allowed because it has violated the rules in the Shopee Paylater marketplace. From the point of view of Islamic law, withdrawing the limit on e-money is one of the conditions if you want to use e-money. However, in terms of liquidating the limit on Shopee Paylater it is not allowed because it has clearly violated the regulations in the Shopee marketplace.
... Menurut (Wardah & Harti, 2021) Gaya hidup berbelanja berasal dari kebiasaan berbelanja dalam kehidupan sehari hari, aktivitas berbelanja yang tinggi dapat mengubah kebutuhan konsumsi gaya hidup menjadi tinggi. Dengan mudahnya mengakses dan menggunakan pembelanjaan Online melalui e-commerce, hal ini menyebabkan pengaruh besar terhadap gaya belanja kehidupan sehari hari (Khairunnisa & Rahman, 2022). Banyaknya produk yang disediakan di e-commerce juga akan menjadi faktor utama perilaku impulsif karena dapat membuat konsumen untuk membeli secara spontan & reflek (Wahyuni & Setyawati, 2020) dan (Angela & Paramita, 2020 Hidayat, 2022). ...
Paylater is a digital payment feature used on e-commerce that act like credit card, which allowed us to pay later, like its namesake. The motivation to buy goods among teenagers is very lacking because the current economic conditions are still unstable, so that the paylater feature can help encourage the motivation to buy goods in the community or teenagers do not make payments directly but gradually. The purpose of this study is to test how much the use of the paylater system encourages impulsive purchases so that people use the paylater feature as a payment medium. The method used is using quantitative methods, namely by using questionnaires distributed to respondents then collecting and analyzing data from respondents, as many as 289 respondents were involved in this research. By using the method of Structural Equation Modeling (SEM) with SPSS AMOS software. This study found that interpersonal and External Factors had a large and positive effect on hedonic and utilitarian motivation, hedonic motivation had no significant effect on impulsive buying, while utilitarian motivation had a significant effect on impulsive buying, and an effective paylater was related to hedonic motivation and impulsive buying. The use of the Paylater feature can be a solution because it can encourage motivation in impulse purchases to meet needs without burdening their financial situation so that Paylater users still have a stable economy. Keyword : Paylater, E-commerce, Impulse buying
... The ease of registration and use of PayLater is a factor for consumers to make product purchase decisions. Shopee paylater gives its users an interest rate of 2.95% every month (Khairunnisa et al., 2022). This is also stated by Damayanti & Canggih (2021) that Shopee Paylater provides bill payment terms to its users starting from a tenor of 1 month to 12 months with a relatively low interest rate of 0% -2.95%. ...
... At Shopee Paylater, the available payment tenors are 1 month to 12 months with an interest rate of 0% -2.95% (Damayanti & Canggih, 2021). Rahayu in Khairunnisa (2022) states that the terms of interest rate payments are based on the length of the payment tenor chosen by the user. The interest rate is 0% for a tenor of 1 month and 2.95% for a tenor of 2 months or more. ...
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, credit interest rates and consumer satisfaction had a significant effect on purchasing decisions at Shopee Paylater. While on Gojek Paylater, the variables that have a significant effect are credit interest rates and purchase satisfaction.
Tujuan penelitian ini yaitu untuk mengetahui Penggunaan Shopee Paylater Terhadap Perilaku Konsumtif Mahasiswa. Shopee Paylater adalah metode pembayaran dalam bentuk pinjaman instan yang dapat memberi kemudahan dengan barang dapat diterima terlebih dahulu namun pembayaran dapat menyusul dibulan depan atau dengan cicilan. Penelitian ini adalah penelitian kuantitatif, yaitu penelitian yang menjelaskan pengaruh penggunaan shopee paylater terhadap prilaku konsumtif mahasiswa. Data diproleh dari penyebaran kuisioner dikalangan mahasiswa dengan jumlah sebanyak 51 Responden. Hasil pengujian hipotesis diperoleh angka signifikasi (sig) sebesar 0,003. Hal ini menunjukan bahwa terdpat hubungan yang signifikan pada uju hipotesis ini karena angka signifikasi 0,05 Sehingga dapat disimpulkan bahwa hipotesis Ha yang menyatakan penggunaan shopee paylater berpengaruh positif terhadap prilaku konsumtif mahasiswa diterima. Sedangkan Ho ditolak, berrati tidak dapat pengaruh penggunaan shopee paylater (X) terhadap prilaku konsumtif mahasiswa (Y).
