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All Journal PERWIRA - Jurnal Pendidikan Kewirausahaan Indonesia
Faizzah, Dyah Ayu Nur
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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Factors Influencing Impulsive Buying of Paylater User in Generation Z in Indonesia Tatiana, Anastasya Viviene; Wijaya, Christopher Eric; Adegea, Dio; Faizzah, Dyah Ayu Nur; Hakim, William; Suhartanto, Eko
PERWIRA - Jurnal Pendidikan Kewirausahaan Indonesia Vol 8 No 2 (2025): PERWIRA - Jurnal Pendidikan Kewirausahaan Indonesia
Publisher : Perkumpulan Pendidik Kewirausahaan Indonesia (Perwira Indonesia)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21632/perwira.8.2.99-108

Abstract

This study examined the impact of pay-later use among Generation Z in Indonesia and provided important insights into the psychological effects of this phenomenon. Technological developments in the financial sector have led to a breakthrough: pay later, a payment method that defers payment until the end of the month. In terms of the system employed, it is very similar to credit card use. Pay later is a breakthrough for people who do not have credit cards. This study aims to assess the factors influencing impulsive buying when using pay-later payment plans. We conducted a linear regression analysis on 50 responses collected from an online survey using non-probability sampling. The findings highlight the psychological impact of lifestyle pressures and weak self-control, which can lead to feelings of regret and financial stress that affect mental well-being.
Co-Authors Adegea, Dio Hakim, William Suhartanto, Eko Tatiana, Anastasya Viviene Wijaya, Christopher Eric