?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adc&rft.title=PAY+LATER+DAN+KAUM+MILENIAL%0D%0A(Studi+Perubahan+Sosial+Pola+Konsumtif+Kaum+Milenial)&rft.creator=M+AL+IQBAL+DESTRIO+YUSRI%2C+1716011062&rft.subject=300+Ilmu+sosial&rft.subject=301+Sosiologi+dan+antropologi&rft.description=%0D%0AThis++study++aims++to++determine++the++advantages++and++disadvantages%2C++the++causative+%0D%0Afactors%2C+the+impact+of+changes+in+consumption+patterns+and+strategies+in+using+Pay+%0D%0ALater.+The+background+of+this+research+is+the+widespread+use+of+Pay+Later+which+is+%0D%0Acurrently+growing+rapidly+in+the+digital+era+and+changing+the+consumption+patterns+%0D%0Aof+the+millennial+generation.+This+study+uses+a+qualitative+research+method+with+a+%0D%0Aphenomenological+approach.+The+method+of+data+collection+is+done+by+means+of+indepth+interviews%2C+observation+and+documentation.+The+data+analysis+method+used+%0D%0Ais+an+interactive+analysis+model+and+test+the+validity+of+the+data+using+observation+%0D%0Aextension%2C++observer++persistence%2C++reference++adequacy++and++informant++review.++The+%0D%0Aconclusion+of+this+research+is+that+millennials+have+understood+Pay+Later+and+got+%0D%0Ainformation+about+Pay+Later+from+downloaded+e-commerce+applications+and+from+%0D%0Afriends'+recommendations.+Informants+use+it+when+they+really+need+something%2C+when+%0D%0Athere+is+no+money+and+some+use+it+because+they+are+chasing+existing+discounts+or+%0D%0Apromos.+The+advantages+of+Pay+Later+are+that+it+facilitates+one's+needs+when+they+%0D%0Aare+experiencing+financial+difficulties+and+the+process+is+fast+and+can+be+used+as+%0D%0Abusiness+capital%2C+while+the+disadvantages+have+the+potential+to+result+in+wasteful+%0D%0Anature+later%2C+existing+interest+and+limit+restrictions.+Factors+for+using+Pay+Later+are+%0D%0Athe+encouragement+of+millennial+lifestyle+and+lifestyle+needs%2C+the+ease+of+use+and+%0D%0Aactivation++of++Pay++Later%2C++the++instant++use++process%2C++friend++recommendations%2C++and+%0D%0Apromos.+The+positive+impact+of+Pay+Later+in+changing+consumption+patterns+of+the+%0D%0Amillennial+generation+is+that+they+are+accustomed+to+non-cash+transactions%2C+helping+%0D%0Aand+facilitating+all+consumption+needs+of+users+and+being+used+as+business+capital%2C+%0D%0Awhile++the++negative++impact++is++shaping++a++consumptive++and++wasteful++lifestyle.+%0D%0ARegarding+the+strategies+used+by+the+millennial+generation+in+using+Pay+Later%2C+they+%0D%0Aare+limiting+the+use+of+limits%2C+not+accumulating+bills%2C+having+a+steady+income%2C+saving+%0D%0Aand++being+more+careful+in+choosing+products%2C+not+being+affected+by+products+that+%0D%0Aare+viral+on+social+media+and+not+opening+existing+e-commerce+applications.%0D%0AKeyword%3A+Pay+Later%2C+millennial%2C+consumptive%2C+%0D%0A%0D%0APenelitian++ini++bertujuan++untuk++mengetahui++kelebihan++dan++kekurangan%2C++faktor+%0D%0Apenyebab%2C++dampak++perubahan++pola++konsumsi++dan++strategi-strategi++dalam+%0D%0Amenggunakan++Pay++Later.++Latar++belakang++penelitian++ini++adalah++maraknya+%0D%0Apenggunaan++Pay+Later++yang+saat+ini+sedang+berkembang+pesat+di+era+digital+dan+%0D%0Amerubah++pola++konsumsi++generasi++milenial.++Penelitian++ini++menggunakan++metode+%0D%0Apenelitian+kualitatif+dengan+pendekatan+fenomenologi.+Metode+pengumpulan+data+%0D%0Ayang++dilakukan++dengan++cara++wawancara++mendalam%2C++observasi++dan++dokumentasi.+%0D%0AMetode++analisis++data++yang++digunakan++adalah++model++analisis++interaktif++dan++uji+%0D%0Avaliditas++data++menggunakan++perpanjangan++pengamatan%2C++ketekunan++pengamat%2C+%0D%0Akecukupan++referensi++dan++review++informan.++Kesimpulan++penelitian++ini++diketahui+%0D%0Akaum+milenial+telah+memahami+Pay+Later+dan+mendapatkan+informasi+tentang+Pay+%0D%0ALater++dari++aplikasi++e-commerce++yang++diunduh++dan++dari++rekomendasi++teman.+%0D%0AInforman++menggunakannya++saat++sangat++membutuhkan++sesuatu%2C++sedang++tidak++ada+%0D%0Auang++dan++ada++yang++memakai++karena++mengejar++diskon++atau++promo++yang++ada.+%0D%0AKelebihan++Pay++Later++adalah++memudahkan++kebutuhan++seseorang++di++kala++sedang+%0D%0Amengalami+kesulitan+keuangan+dan+proses+yang+cepat+serta+dapat+dijadikan+modal+%0D%0Ausaha%2C+sedangkan+kekurangannya+berpotensi+mengakibatkan+sifat+boros+nantinya%2C+%0D%0Abunga+yang+ada+dan+adanya+pembatasan+limit.+Faktor+penggunaan++Pay+Later++adalah+%0D%0Adorongan++kebutuhan++hidup++dan++gaya++hidup++milenial++itu++sendiri%2C++kemudahan+%0D%0Apenggunaan++dan++aktivasi++Pay++Later%2C++proses++penggunaan++yang++instan%2C++adanya+%0D%0Arekomendasi++teman%2C++serta++adanya++promo.++Dampak++positif++Pay++Later++dalam+%0D%0Aperubahan++pola++konsumsi++generasi++milenial++adalah++terbiasa++melakukan++transaksi+%0D%0Asecara++non-tunai%2C++membantu++dan++memudahkan++segala++kebutuhan++konsumsi+%0D%0Apenggunanya+dan+digunakan+sebagai+modal+usaha%2C+sedangkan+dampak+negatifnya+%0D%0Amembentuk++gaya++hidup++konsumtif++dan++membuat++boros.++Terkait++strategi++yang+%0D%0Adipakai++generasi++milenial++dalam++menggunakan++Pay++Later++adalah++pembatasan+%0D%0Apemakaian+limit%2C+tidak+menumpuk+tagihan%2C+memiliki+penghasilan+tetap%2C+menabung+%0D%0Adan+lebih+cermat+dalam+memilih+produk%2C+tidak+terpengaruh+produk+yang+viral+di+%0D%0Amedia+sosial+dan+tidak+membuka+aplikasi+e-commerce+yang+ada.%0D%0AKata+kunci%3A+Pay+Later%2C+milenial%2C+konsumtif%2C+pola+konsumsi&rft.publisher=FAKULTAS+ILMU+SOSIAL+DAN+ILMU+POLITIK&rft.date=2021&rft.type=Skripsi&rft.type=NonPeerReviewed&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F61276%2F1%2F1.%2520ABSTRAK%2520%2528ABSTRACT%2520IQBAL.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F61276%2F2%2F2.%2520SKRIPSI%2520FULL%2520-%2520IQBAL.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F61276%2F3%2F3.%2520SKRIPSI%2520TANPA%2520IQBAL.pdf&rft.identifier=++M+AL+IQBAL+DESTRIO+YUSRI%2C+1716011062++(2021)+PAY+LATER+DAN+KAUM+MILENIAL+(Studi+Perubahan+Sosial+Pola+Konsumtif+Kaum+Milenial).++FAKULTAS+ILMU+SOSIAL+DAN+ILMU+POLITIK%2C+UNIVERSITAS+LAMPUNG.+++++&rft.relation=http%3A%2F%2Fdigilib.unila.ac.id%2F61276%2F