Consumption Behavior of Online Loan Users In Stai An-Nadwah Kuala Tungkal Students

This study is titled Consumption behavior of loan users in IAI An-Nadwah Kuala Tungkal students. The purpose of this study is, To find out how the consumption behavior of loan users is, To find out what factors cause students to use loans, and To find out how the impact of loans on the consumption behavior of IAI An-Nadwah Kuala Tungkal students, The methodology used in this study is a qualitative research approach that is descriptive. The object of the research is IAI An-Nadwah Kuala Tungkal students. The results of the research show that online loans such as PayLater make their users more consumptive and dependent, because they consider PayLater as a solution to their needs so when it is embedded in their minds, then without much consideration they can decide to meet their needs when conditions are in uncertainty that should not be done. The rapid development of technology and the convenience offered as well as advertisements that are widely circulated on various social media. So if you are not wise in using online loans, the funds that are easily obtained will actually make you complacent and borrow for things that are not too important so that it will make you more consumptive and change financial patterns tend to be wasteful