THE CORRELATION BETWEEN PAYLATER USAGE AND DISCOUNT PROMOTIONS WITH THE CONSUMERIST BEHAVIOR OF COLLEGE STUDENTS

ABSTRACTThe problem from this research indicate that the majority of college students in the Economics Education Program at STKIP PGRI Lumajang are experiencing a shift in their consumption patterns toward consumerism. This study aims to examine the relationship between the use of PayLater services and discount promotions with students’ consumerism behavior. The research method used in this study by quantitative descriptive method with correlation analysis. Data were collected by questionnaires and analyzed using Pearson’s correlation, t-tests, F-tests, and the coefficient of determination. The research findings indicate that the use of paylater services has a strong positive correlation with the consumerist behavior of students in the Economics Education program. Another finding shows that discount promotions have a strong positive relationship with the consumerism behavior of students in the Economics Education program. Finally conclude this study, the simultaneous use of paylater services and discount promotions has a strong positive correlation with the consumerism behavior of students in the Economics Education program. Contributions to the Economics Education Program are expected to improve financial literacy through seminars, training sessions, or educational programs on the use of financial services. Keywords: consumerist behavior of college students; discount promotion; paylater usage ABSTRAKMasalah yang terungkap dari penelitian ini menunjukkan bahwa mayoritas mahasiswa Program Studi Pendidikan Ekonomi di STKIP PGRI Lumajang mengalami pergeseran pola konsumsi ke arah konsumerisme. Penelitian ini bertujuan untuk mengkaji hubungan antara penggunaan layanan paylater dan promosi diskon dengan perilaku konsumerisme mahasiswa. Metode penelitian yang digunakan dalam studi ini adalah metode deskriptif kuantitatif dengan analisis korelasi. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan korelasi Pearson, uji-t, uji-F, dan koefisien determinasi. Hasil penelitian menunjukkan bahwa penggunaan layanan paylater memiliki korelasi positif yang kuat dengan perilaku konsumerisme mahasiswa Program Pendidikan Ekonomi. Temuan lain menunjukkan bahwa promosi diskon memiliki hubungan positif yang kuat dengan perilaku konsumerisme mahasiswa Program Studi Pendidikan Ekonomi. Kesimpulan, penggunaan layanan paylater dan promosi diskon secara bersamaan memiliki korelasi positif yang kuat dengan perilaku konsumerisme mahasiswa Program Studi Pendidikan Ekonomi. Kontribusi terhadap Program Pendidikan Ekonomi diharapkan dapat meningkatkan literasi keuangan melalui seminar, sesi pelatihan, atau program pendidikan mengenai pemanfaatan layanan keuangan. Kata kunci: penggunaan paylater; perilaku konsumtif mahasiswa; promosi diskon