Faktor yang Mempengaruhi Penggunaan Paylater di Kalangan Mahasiswa IKIP PGRI Bojonegoro

Abstract

This study aims to describe and analyze the factors influencing the use of paylater features among students at IKIP PGRI Bojonegoro. This research uses a descriptive qualitative approach. Data were collected through in-depth interviews, observation, and documentation with active students who use paylater services. The results show that the main factors driving the use of paylater are lifestyle demands, low financial literacy, and the perceived ease of technology. Paylater is not only used for urgent academic needs but has shifted towards fulfillment of consumptive desires and social prestige among college students.

Keywords: Paylater, students, lifestyle, qualitative descriptive