Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi

Vol. 25 No. 8 (2026): Musytari: Neraca Manajemen, Akuntansi, dan Ekonomi, ISSN 3025-9495
Articles

Analisis Persepsi Risiko dan Kepercayaan Konsumen dalam Menggunakan Layanan Shopee Paylater di Kalangan Mahasiswa

PDF
  • Rica Naysilla Chandra
Rica Naysilla Chandra
Universitas Indo Global Mandiri
DOI: https://doi.org/10.2238/rvy93v34

Published 2026-07-01

Keywords

  • Shopee Paylater,
  • Risk Perception,
  • Consumer Trust

How to Cite

Analisis Persepsi Risiko dan Kepercayaan Konsumen dalam Menggunakan Layanan Shopee Paylater di Kalangan Mahasiswa. (2026). Musytari : Jurnal Manajemen, Akuntansi, Dan Ekonomi, 25(8). https://doi.org/10.2238/rvy93v34

Abstract

The growth of e-commerce has led to innovations in digital payment methods, one of which is Shopee PayLater, which is very popular among college students. This study aims to gain a deeper understanding of college students’ experiences and perspectives regarding risk perception and trust in using the Shopee PayLater service, as well as its impact on their financial behavior. This study employs a descriptive qualitative approach. Primary data were collected through semi-structured in-depth interviews with active students at Indo Global Mandiri University (UIGM), selected using purposive sampling. Data analysis was conducted through the stages of data reduction, data presentation, and drawing conclusions. The research results revealed two main findings. First, students exhibit a high level of critical awareness regarding financial risks. These risks do not act as barriers because they are managed through disciplined cash flow management and the setting of monthly spending limits, thereby reflecting the concept of an internal locus of control in the form of measured risk-taking. Second, the foundation of students’ consumer trust in Shopee PayLater is driven by a rational, utilitarian orientation aimed at supporting productive, academic, and professional activities not merely by emotional consumerism or impulsive-hedonic consumption. This service is viewed as a microfinance alternative that offers time efficiency, with the economic consideration that the Return on Investment (ROI) of the purchased assets must exceed the interest charges on the bill.
PDF

References

  1. [1] D. K. A. M. Z. A. R. A. P. Suwarna4, “PENGARUH PENGGUNAAN FITUR SHOPEE PAYLATER TERHADAP PERILAKU KONSUMTIF MAHASISWA DI KABUPATEN KOLAKA,” no. 7, pp. 23–32, 2024.
  2. [2] M. Agmiranthi, A. Pangestu, and A. Brawijaya, “Perilaku Konsumsi Islam Mahasiswa Dalam Penggunaan Shopee paylater,” vol. 3, no. 2, pp. 34–41, 2023.
  3. [3] I. C. Phyta Rahima, “Pengaruh Fitur Shopee Paylater terhadap Perilaku Konsumtif Mahasiswa Universitas Mataram,” vol. 4, no. 1, pp. 39–50, 2022.
  4. [4] E. A. Sheilla Emilia Sholehah1, “PENGARUH LITERASI KEUANGAN DAN RISIKO TERHADAP PERILAKU KONSUMTIF MAHASISWA DENGAN PENGGUNAAN FINTECH PAYMENT (PAYLATER) PADA SHOPEE SEBAGAI VARIABEL INTERVENING,” vol. 18, no. 1, pp. 79–97, 2024.
  5. [5] A. D. Prayusi and L. Ingriyani, “Pengaruh Literasi Keuangan , Persepsi Kemudahan , Persepsi Risiko , dan Kepercayaan Terhadap Minat Menggunakan Shopee Paylater ( Studi Kasus Pada Mahasiswa Politeknik Negeri Jakarta ),” vol. 3, 2021.
  6. [6] V. Dino, A. Christian, A. T. Susanti, and S. Suwartiningsih, “Perilaku Konsumtif Mahasiswa Melalui Penggunaan Fitur Shopee Paylater dalam Perspektif Teori Jean Baudrillard,” vol. 5, 2025.
  7. [7] A. D. I. Nurdina , R Yudi Sidharta2, “Pengaruh Persepsi Kemudahan Penggunaan, Persepsi Suku Bunga, Persepsi Risiko Terhadap Keputusan Pengambilan Pinjaman Shopee Paylater (Studi Kasus Pada Mahasiswa Fakultas Ekonomi dan Bisnis Universitas PGRI Adi Buana Surabaya Program Studi Akuntansi),” vol. 29, no. 1, pp. 54–61, 2024.
  8. [8] D. E. Ajeng Rizky Anggiaputri1, “Pengaruh Gaya Hidup , Kontrol Diri , Literasi Keuangan Dan Persepsi Resiko Terhadap Tren Penggunaan Paylater Dikalangan Mahasiswa,” vol. 05, pp. 867–879, 2025.
  9. [9] N. M. Achmarul Fajar, Aditya Iskandar Syah, Rifki Riyadi, Saniman, “Analisis persepsi mahasiswa terhadap penggunaan paylater dan dampaknya terhadap perrilaku keuangan,” vol. 3, pp. 809–823, 2026.
  10. [10] Y. T. Shofyan Roni1, Rizki Wulanita Batubara2, “Eksplorasi Persepsi Mahasiswa terhadap Penggunaan Paylater sebagai Strategi Pemasaran pada Platform E-Commerce Shopee,” vol. 06, pp. 140–150, 2026.
  11. [11] C. Hana, G. Panjaitan, and R. Munthe, “PENGARUH PERILAKU KONSUMEN TERHADAP MINAT PENGGUNAAN SPAYLATER PADA MAHASISWA FAKULTAS PSIKOLOGI UNIVERSITAS POTENSI UTAMA MEDAN,” vol. 4, no. 4, pp. 892–902, 2026, doi: 10.58540/jipsi.v4i4.1240.
  12. [12] S. R. Rosha Yunita Tri Marbella1, Ema Nurzainul Hakimah2, “Pengaruh kemudahan, kepercayaan, dan risiko terhadap keputusan pembelian menggunakan metode pembayaran shopee paylater,” vol. 3, pp. 625–634, 2024.
  13. [13] I. D. P. Siti Khami Datunnisa1, “Pengaruh Kemudahan , Manfaat , Persepsi Risiko Terhadap Keputusan Pembelian Menggunakan Transaksi Pembayaran Shopee Paylater ( Studi Kasus Pada Mahasiswa Univiersitas Nusantara PGRI Kediri ),” pp. 144–154, 2024.
  14. [14] Y. Dekasari, K. C. Pradana, H. W. Daffallah, U. Sang, and B. Ruwa, “PENGARUH KEPERCAYAAN DAN PERILAKU KONSUMTIF TERHADAP KEPUTUSAN PEMBELIAN DIGITAL PADA MAHASISWA PENGGUNA SHOPEE PAYLATER,” pp. 264–277, 2025.
  15. [15] C. I. Kristanto, Ardhy, Nurchayati, Heru Eko Prasetyo, “Pengaruh Promosi , Kemudahan Transaksi dan Kepercayaan Pada Pengguna Shopee Paylater Terhadap Keputusan Pembelian,” vol. 8, no. 1, pp. 62–73, 2025.
  16. [16] R. A. B. Parhan, “Eksplorasi Pengaruh Layanan Paylater terhadap Keputusan Pembelian Konsumen di Platform E-commerce: Studi pada Kalangan Mahasiswa di Kota Bandung,” vol. 11, no. June, pp. 151–162, 2025.

Similar Articles

You may also start an advanced similarity search for this article.