The Use of Paylater for a Hedonistic Lifestyle Among Students at the University of Muhammadiyah North Sumatra

Serliana Serliana (Communication Science, Faculty of Social Sciences, State Islamic University of Sumatra)
Nursapia Harahap (Communication Science, Faculty of Social Sciences, State Islamic University of Sumatra)

International Journal of Humanities Education and Social Sciences
Vol 5 No 6 (2026): IJHESS JUNE 2026

This study is motivated by the increasing use of PayLater services among university students, which may encourage hedonistic lifestyles and consumptive behavior. The objective of this research is to analyze how PayLater usage contributes to students' hedonistic lifestyles. This study employs a qualitative approach with an exploratory research design. Data were collected through observation, in-depth interviews, and documentation, and analyzed using data reduction, data display, and conclusion drawing. The results show that PayLater is mainly used for secondary needs and lifestyle purposes, such as fashion shopping, entertainment, and following social trends. Key factors influencing its use include ease of access, social environment, and the desire for instant gratification.