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Ilyas Azhari; Jihan Atsilah Syahbani; Siti Rohiyatul Jannah

Jupiter: Publikasi Ilmu Keteknikan Industri, Teknik Elektro dan Informatika 2026 Asosiasi Riset Ilmu Teknik Indonesia

This study aims to examine the impact of tourism activities on environmental sustainability and the culture of the Tengger tribe in Ngadas Village, Poncokusumo District, Malang Regency. Ngadas Village is one of the traditional villages located in the Bromo Tengger Semeru National Park area and is a growing natural and cultural tourist destination. The research method used is a qualitative approach with data collection techniques through observation, in-depth interviews, and documentation studies. The results of the study show that tourism activities have a positive impact in the form of economic improvement for the community and the preservation of several cultural traditions through tourist attractions. However, there are also negative impacts such as environmental degradation due to increased waste volume and land use change, as well as the commercialization of culture, which has the potential to diminish the sacred meaning of the Tengger tribe's traditions. This study recommends the need for sustainable and participatory tourism management, involving the indigenous community in decision-making so that environmental and cultural sustainability is maintained amid the development of the tourism sector.

Hendri Suwarsono

Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora 2026 Pusat Riset dan Inovasi Nasional

Demonstrations demanding the dissolution of the House of Representatives by 2025 highlight a crisis of public trust and serve as a key moment in Indonesia's political landscape. These protests have not only symbolic significance but also lead to elite repositioning, the temporary dismissal of several members, and the cessation of policy that increased benefits. This study examines how the crisis has prompted political institutional reconstruction and the role of civil society in influencing change. A descriptive qualitative approach was used, including literature studies, analysis of academic literature, official documents, and media reports. The findings indicate that actions by the House of Representatives, such as the rotation of Commission III leadership, member deactivation, and rejection of benefit increases, were primarily reactive to public pressure. The discussion reveals that while these actions reduce crisis escalation, they are cosmetic and do not address structural issues like legislative accountability and budget transparency. In conclusion, the 2025 protests provide an opportunity for civil society to engage politically outside elections, but the institutional changes made are short-term. Fundamental reform can only occur if civil movements remain consistent and if political parties and the government commit to reform.

Faathir Janwar; Muhammad Naufal Marifat; Kurniati Kurniati

Jurnal Riset Ilmu Hukum, Sosial dan Politik 2026 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Contemporary Islamic law faces complex challenges in responding to rapid social change while maintaining fidelity to authoritative religious texts. This article examines the tension and interaction between textual authority (the Quran, Sunnah, ijma’, and qiyas) and the dynamics of modern socio-cultural, political, and technological developments. Using qualitative library research, this study analyzes classical and contemporary Islamic legal thought, including maqaṣid al-shariah, ijtihad, and contextual interpretation. The findings indicate that Islamic law possesses inherent flexibility through its methodological tools, enabling adaptation without undermining its normative foundations. However, challenges arise from rigid textualism, politicization of Islamic law, and epistemological gaps between tradition and modernity. This study concludes that a balanced approach integrating textual fidelity and contextual responsiveness is essential for the relevance of Islamic law in contemporary society.

Selvia Dwi. S.; Dwi Rahmawati; Sahra Dwi. I.R; Fahrizal. T

Jurnal Ekonomi dan Pembangunan Indonesia 2026 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Regional economic development requires a comprehensive understanding of the structure, potential, and dynamics of economic sectors so that formulated policies can be targeted and sustainable. Bojonegoro Regency as one of the regions in East Java Province has unique economic characteristics with the dominance of certain sectors, so it is necessary to conduct an in-depth analysis of the economic sectors that play a role in driving regional growth. This study aims to identify basic and non-basic sectors, analyze the dynamics of changes in economic sectors, and assess the sectoral competitiveness of Bojonegoro Regency compared to East Java Province. This study uses a quantitative approach with secondary data in the form of Gross Regional Domestic Product at constant prices by business field obtained from the Central Statistics Agency. The analytical methods used include Location Quotient, Dynamic Location Quotient, and Shift Share. The results show that the mining and quarrying sector remains the sector with the most dominant relative advantage in the economic structure of Bojonegoro Regency. However, the analysis of dynamics and competitiveness indicates that several non-extractive sectors are starting to show faster development and growth potential. This finding suggests an opportunity for transformation of the regional economic structure towards a more diverse pattern. The implications of this research emphasize the importance of regional economic development strategies that do not only rely on traditional leading sectors, but also encourage the development of more sustainable potential sectors.

Agus Rustama; Adhira Halim Ashari; Viola Zabrina Febriyanti; Febi Liontin; Naufalian Hafidz

Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora 2026 Pusat Riset dan Inovasi Nasional

State institutions play a primary role in governing and exercising power within a country. Indonesia, as a unitary state with a republican system, regulates the state's institutional structure through the 1945 Constitution, which serves as the supreme legal basis and guideline for state administration. The function of state institutions is to ensure that all aspects of government are implemented in accordance with the principles of law, justice, and public welfare. The state is not only considered a legal entity but also a social entity with specific functions and logic. The state's objectives are directed at balancing government power and citizen rights and accommodating the interests of individuals and the wider community. Following the amendments to the 1945 Constitution, Indonesia's institutional system underwent significant changes with the establishment of independent institutions that strengthen democracy, transparency, and accountability. Understanding the state's foundations, the requirements for formation, the form and system of government, and the relationships between institutions is crucial for maintaining Indonesia's constitutional order. Furthermore, public respect for state symbols and institutions contributes to strengthening unity and political stability, and realizing the ideals of a sovereign and prosperous nation.

I Gusti Arya Agung Restu Diva Dewangga; Putri Ekaresty Haes; Kadek Adyatna Wedananta; Putu Suparna

Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora 2026 Pusat Riset dan Inovasi Nasional

This study aims to explore Generation Z's adaptation to traditional values, particularly the Balinese language sor singgih in Catur Wangsa, amid social changes driven by globalization and technological advancements, from the perspective of interpersonal communication. The phenomenological approach in qualitative research is the research method used, with three data collection techniques: participant observation, unstructured interviews, and documentation. This study also uses source and technique triangulation as a data validity technique. The research informants are members of Generation Z from the five castes in Bali: Brahmana, Ksatria, Weisya, and Sudra. Research conducted across eight districts and cities in Bali indicates that Generation Z is beginning to shift its interpersonal communication patterns. Although they still uphold traditional values of politeness and social norms, Generation Z emphasizes equality and openness in their daily interactions. The generation Z that continues to use the Balinese language is segmented by social context, emotional closeness, and communication situations, rather than solely by caste differences. Furthermore, this study's findings show that the caste system is seen more as a cultural identity than a social boundary. The implications of this research emphasize the importance of preserving the values of Balinese local wisdom in the form of adaptive, egalitarian communication that is relevant to the development of the younger generation in the digital age.

Amir Mirdad; Yurna Yurna; Hoerul Khusban; E. Komarudin; Muhamad Atep Saepul Rahman

Karakter : Jurnal Riset Ilmu Pendidikan Islam 2026 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

Islamic education in the global era faces various complex problems and challenges, ranging from conventional teaching methods, varying teacher quality, to curriculum unpreparedness in addressing social and technological dynamics. The globalization of information and culture also significantly influences students’ behavior and identity, requiring digital literacy, critical cultural awareness, and resilience in religious values to remain aligned with Islamic principles. This study employs a library research approach with a descriptive qualitative method, analyzing various books and scientific journals related to Islamic education in the global era. The findings indicate that the problems of Islamic education include the gap between traditional methods and 21st-century needs, teachers’ unpreparedness in using technology, and the lack of integration between religious education and contemporary social contexts. Other challenges involve education management, family and community involvement, and policy-making that responds to global changes. To address these issues, recommended solutions include revitalizing an integrative curriculum that combines Islamic values with 21st-century skills, utilizing technology wisely, enhancing teacher competence, strengthening collaboration between schools, families, and communities, and developing media literacy and inclusive pedagogical approaches. Implementing these strategies is expected to produce students who are competent, adaptive, character-driven, and globally competitive without losing their moral and spiritual identity. These findings contribute to the development of Islamic education that is relevant, adaptive, and sustainable in the global era.

Putu Bangli Suri Artani; Ni Putu Rai Yuliartini; Dewa Gede Sudika Mangku

Konsensus : Jurnal Ilmu Pertahanan, Hukum dan Ilmu Komunikasi 2026 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

The rapid development of communication technology in the digital era has had a significant impact on people's interaction patterns. One of the important aspects in this case is its influence on communication behavior, both in social, economic, and political life. The Electronic Information and Transaction Law (UU ITE) which was passed in Indonesia in 2008, acts as a regulation to regulate the use of communication technology, especially in cyberspace, with the aim of protecting the public from misuse of technology such as defamation, fraud, and hate speech. This research aims to analyze how the influence of the ITE Law on changes in community interaction patterns in digital space, both positively and negatively. Research results show that although the ITE Law provides a clear legal framework, there are challenges in its implementation that have the potential to hinder freedom of opinion and change the way people interact online. On the other hand, this regulation also spurs the public to be more careful and responsible in communicating through digital platforms.  

Dikky Zakaria; Dewi Rochmayanti

Jurnal Pengabdian dan Perubahan Sosial 2026 Lembaga Pengembangan Kinerja Dosen

The health of pregnant and breastfeeding women is a crucial determinant of the quality of future generations, particularly during the first 1,000 days of life. However, nutritional problems, such as deficiencies in iron, protein, and essential vitamins, remain prevalent in many regions, especially in rural areas. These conditions may increase the risk of anemia, impaired fetal growth, and reduced maternal and child health outcomes. This community service program aimed to improve the nutritional status as well as the knowledge and awareness of pregnant and breastfeeding women regarding the importance of balanced nutrition in Sukorejo Village, Bojonegoro Regency. The program was implemented through the provision of free balanced nutritious meals tailored to the nutritional needs of pregnant and breastfeeding women, accompanied by health education activities, including counseling sessions and interactive discussions on healthy dietary patterns, food hygiene, and anemia prevention. Program evaluation was conducted through participatory observation and participant feedback. The results indicated an improvement in participants’ understanding of balanced nutrition and positive behavioral changes in daily food selection and consumption. This community service initiative is expected to serve as a sustainable model for improving maternal and child health and preventing nutritional problems at the village level.

Dian Tri Andini; Fikri Khusaini; Safa Puja Arsila; Sri Mulyeni

WISSEN : Jurnal Ilmu Sosial dan Humaniora 2026 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

The study aims to measure how human emotional states are affected by music, both in increasing happiness and helping individuals manage sadness, musical characteristics such as tempo, tonality, and lyrics play an important role in shaping listeners' affective responses, where upbeat music with fast tempo and major tonality tends to promote positive moods, while melancholy music with slow tempo and minor tonality is more likely to evoke mood reflective or sad. This study used a pseudo-experimental method with a pre-test and post-test design on a group of psychology students of the National University of PASIM, with two songs as a stimulus: "I Love U Bibeh" by The Changcuters and "Jiwa Yang Bersad" by Ghea Indrawati. The measurement instrument was a simple question about the mood of the respondents with a choice of sad or happy. The results showed that the song I Love U Bibeh increased the number of students who reported feeling happy from 30% to 76.7%, while the song Jiwa yang Bersad increased the number of students who reported feelings of sadness from 40% to 63.3%, although some respondents reported catharsis in the form of emotional relief. The discussion emphasized that music has a dual function, namely as a stimulus that is able to change mood as well as a means of regulating emotions through catharsis, with effectiveness that is also influenced by cultural closeness and individual music preferences. The conclusion of this study is that music can be seen as a relevant scientific instrument in supporting students' mental health, strengthening cultural identity, and improving the quality of life, so that the choice of music can be adjusted to emotional needs, both to increase happiness and to help accept and manage sadness.

Anny Eka Pratiwi

Jurnal Inovasi Riset Ilmu Kesehatan 2026 Pusat Riset dan Inovasi Nasional

Adolescent mental health is an important aspect in human resource development because it affects learning ability, social relationships, and readiness to face adult life. Adolescence, especially at the junior high school level, is a transitional period that is prone to mental and emotional disorders due to biological, psychological, and social changes that occur simultaneously. This study aims to describe the mental health condition of adolescents using the Self Reporting Questionnaire (SRQ-20) instrument in students of SMPN 3 Ubud, Gianyar Regency. The study used a descriptive design with a cross sectional approach. The sampling technique was carried out in total sampling with a total of 117 students. The research instrument is in the form of an SRQ-20 questionnaire that has been proven to be valid and reliable. Data analysis was carried out descriptively to describe the distribution of symptoms and mental health categories of respondents. The results showed that most students were in the category of good mental health, although there were still a number of students with poor conditions. The most common symptoms are easy to feel tired and difficulty in making decisions. Based on the characteristics of respondents, students aged 13–15 years are more likely to experience poor mental health conditions than 11-13 years old, and the proportion of female students is higher than men in experiencing symptoms of mental emotional disorders. These findings affirm the importance of early detection of adolescent mental health in schools as the basis for promotive and preventive interventions, through optimizing the role of counseling guidance and creating a supportive school environment.

Anggi Mutiara; Utami Arsih

Jurnal Riset Rumpun Seni, Desain dan Media 2026 Pusat Riset dan Inovasi Nasional

The Andun Offering Dance is an important tradition in the traditional wedding ceremony of the Serawai people in South Bengkulu. It contains the main cultural symbol, Sekapur Sirih, which not only functions as a ritual complement but also has a philosophical meaning that represents the noble values ​​of the local community. This study aims to uncover the symbolic meaning of Sekapur Sirih in the Andun Offering Dance and explain the request to strengthen social relations between families united through the traditional wedding procession. The research method uses a qualitative descriptive approach through literature studies, observations, and interviews with traditional leaders of South Bengkulu. The results show that Sekapur Sirih contains values ​​of respect, welcome, purity, harmony, and prayer for the bride and groom. In addition, the existence of Sekapur Sirih functions as a cultural communication medium that maintains the identity of the Serawai people amidst social change. These findings preserve the importance of preserving traditional symbols in traditional ceremonies as an effort to maintain the continuity of local culture.

Alya Putri Noviani; Hendika Suryawinata; Siti Rania Maelani; Sri Mulyeni

Jurnal Manajemen Bisnis Era Digital 2026 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

The advancement of social media platforms, especially TikTok, has drastically changed the behavioral patterns and lifestyles of Generation Z. One psychological impact of intensive social media use is Fear of Missing Out (FoMO), which is the worry of missing out on news, trends, or viral social activities. This study aims to reveal how FoMO affects the lifestyle of Generation Z active on TikTok, focusing on aspects of mental health, shopping habits, and the balance of social interactions. This research uses a literature study approach with a qualitative descriptive method, through in-depth analysis of 21 scientific articles published between 2019 and 2025. The findings show that FoMO is associated with increased anxiety, depression, personal dissatisfaction, and excessive social media use among Generation Z. Furthermore, FoMO also drives impulsive consumption patterns and purchases triggered by online trends as well as the desire for social approval. On the other hand, internal factors such as self-confidence and self-control ability have proven to reduce the level of FoMO and its negative effects. This study concludes that FoMO is a complex phenomenon that impacts the mental health and lifestyle of Generation Z, thus requiring measures such as increasing digital literacy, strengthening self-control, and using social media wisely to reduce the negative impacts of FoMO in the long term.

Ardhito Dharma; Yanto Prasetyo; Rizki Maulana Hidayatullah

WISSEN : Jurnal Ilmu Sosial dan Humaniora 2026 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

Health anxiety is a psychological condition characterized by excessive and persistent worry about having or developing a serious illness despite the absence of objective medical evidence. Among adolescents, health anxiety often manifests through recurrent somatic complaints that lead to repeated visits to primary health care services. This study aims to describe the dynamics of health anxiety in an adolescent and to examine the early response to a cognitive behavioral therapy (CBT) intervention delivered in a primary health care setting. This research employed a clinical case study design with a descriptive qualitative approach supported by quantitative assessment data. The participant was an adolescent presenting with recurrent physical complaints without identifiable medical pathology. Data were collected through clinical interviews, behavioral observation, and standardized psychological instruments, namely the Short Health Anxiety Inventory (HAI-18) and the Patient Health Questionnaire-15 (PHQ-15). Quantitative analysis focused on pre- and post-intervention score comparison, calculation of change scores, and the Reliable Change Index to evaluate individual-level change. The findings revealed a high level of health anxiety accompanied by low severity of somatic symptoms, indicating that psychological distress was primarily driven by maladaptive cognitive interpretations rather than physical pathology. Following the CBT intervention, a reduction in health anxiety scores was observed, reflecting an early improvement, although the change did not reach statistical significance based on the Reliable Change Index. These results suggest that CBT may produce meaningful early changes in health anxiety when implemented in primary health care settings, even with brief intervention formats. The study highlights the importance of early psychological assessment and intervention for adolescents with recurrent somatic complaints and supports the integration of mental health services within primary health care. However, findings should be interpreted cautiously due to the single-case design, and further research with larger samples and longitudinal follow-up is recommended

Helena Nina

Jurnal Insan Pendidikan dan Sosial Humaniora 2026 International Forum of Researchers and Lecturers

This study analyzes the construction of Catholic identity in the digital era from the perspective of social constructivism theory. In contrast to traditional identity formation tied to physical spaces like parishes, the digital age has created a dynamic virtual space where Catholic identity is actively shaped through theological narratives on social media. This qualitative research employs critical discourse analysis (CDA) of digital narratives from various theological sources, including papal posts and content from lay Catholic influencers. The findings indicate that Catholic identity is now constructed through digital interaction and participation, which changes how the faithful perceive church authority, form communities, and express their faith. This process has led to a shift from hierarchical authority to an authority that is also built from the ground up by the participation of the laity. Additionally, Catholic communities are transcending geographical boundaries to become "digital parishes." The implication for Inter-Faith Studies is that understanding this digitally constructed self-identity is crucial before engaging in dialogue with other religions, as the resulting narratives can be either inclusive or exclusive. In conclusion, contemporary Catholic identity is a dynamic and constructed entity, woven from both offline and online experiences.

Aisyah Aisyah; Andika Setyo Budi Lestari; Miftahul Khoiri

Aljabar : Jurnal Ilmuan Pendidikan, Matematika dan Kebumian 2026 Asosiasi Riset Ilmu Matematika dan Sains Indonesia

Many students still face difficulties in understanding statistics because inaccurate preconceptions often develop into misconceptions. This condition is important to study since misconceptions can hinder the mathematics learning process and reduce the quality of students’ conceptual understanding. This study aims to analyze in depth how preconceptions affect the emergence of misconceptions among senior high school students in learning statistics. The research employed a qualitative descriptive method with a case study approach, involving three tenth-grade students from State Senior High School 1 Purwosari who were selected through purposive sampling based on high, medium, and low achievement categories. Data were collected through diagnostic tests in the form of essay questions to reveal students’ preconceptions and in-depth interviews to explore their reasoning, then analyzed descriptively. The findings show that students with accurate preconceptions did not experience misconceptions, students with partially correct preconceptions developed classificational, theoretical, and correlational misconceptions, while students with incorrect preconceptions experienced more complex misconceptions, such as considering the median as the largest value and failing to relate changes in data to the properties of the mean, median, and mode. The study concludes that inaccurate preconceptions directly contribute to the emergence of various forms of misconceptions. The implication is that teachers need to detect, identify, and correct students’ preconceptions from the beginning of the learning process so that misconceptions can be minimized and students’ understanding of statistics can develop more comprehensively.

Nur Alfiyatul Mukaromah; Artha Puspa Agtni; Jo Nasareta Hanugerah; Aditya Bayu Wardana; Muhammad Aditya Yulianto

Pajak dan Manajemen Keuangan 2026 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Butgeting is an important instrument in managing retail businesses such as Toko Harapan Teknik Boyolali, as it functions as a tool for planning, control, and evaluation of company performance. Budget effectiveness is influenced by both internal and external factors of the organization. This study aims to analyze the effect of company performance and environmental uncertainty on budget effectiveness at Toko Harapan Teknik Boyolali. This research employs a qualitative approach using a library research method by reviewing and synthesizing information from various sources, including books, scientific journals, and previous studies. The results indicate that company performance has a positive effect on budget effectiveness, as good performance supports more realistic and accurate budget preparation. In addition, environmental uncertainty, such as changes in market conditions, business competition, demand fluctuations, and economic dynamics, can hinder budget effectiviness. Simultaneously company performance and environmental uncertainty influence the success of budgeting. Therefore, companies need to improve performance and implement flexible and adaptive budgeting systems to address environmental uncertainty.

Yacoba Tabita Kinho; Amirul Mustofa; Sedarmayanti Sedarmayanti; Dian Ferriswara

International Journal of Humanities and Social Sciences Reviews 2026 Asosiasi Penelitian dan Pengajar Ilmu Sosial Indonesia

Leadership training has become a key instrument in public sector reform, driven by expectations that public managers act as strategic leaders to improve organizational performance and public service delivery. However, despite substantial investments, public administration research consistently highlights a gap between leadership training participation and tangible service improvements, particularly in resource-constrained local governments. Existing studies often examine leadership training effectiveness, training transfer, organizational change, and administrative capacity separately, resulting in limited integration across these interconnected processes. This fragmentation restricts understanding of how leadership competencies gained through training are transferred into practice, institutionalized through post-training change initiatives (Aksi Perubahan), and translated into sustainable administrative capacity and service outcomes. To address this gap, this integrative literature review synthesizes and critically analyzes peer-reviewed research on public sector leadership training, focusing on training transfer mechanisms, action-based change initiatives, and administrative capacity development in local governments, using the Tambrauw Regency Government as an illustrative context. The review draws on articles indexed in Scopus, Web of Science, and Google Scholar published between 2016 and 2025, selected based on public sector relevance and theoretical rigor. Using thematic synthesis and conceptual mapping, the findings show that leadership training contributes to service improvement only when supported by a conducive transfer climate, strong organizational commitment, and structured change projects. These change initiatives mediate the transformation of individual competencies into organizational routines, while administrative capacity determines the sustainability of outcomes. The study contributes to administrative capacity theory and provides practical insights for designing effective leadership training policies in peripheral local government contexts.

Raisul Muhadidsin; Nabila Firliya Zahra; Hafidz Taqiyuddin

Karakter : Jurnal Riset Ilmu Pendidikan Islam 2026 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

The global ecological crisis indicates that technical methods and regulations alone are insufficient to change human behavior related to the environment, thus requiring approaches that touch on moral and spiritual aspects. This study aims to design and examine spiritual-ecological education as an alternative approach in building sustainable environmental awareness. This research uses a qualitative method based on literature study using Miles and Huberman's analysis through summarization, exposition, and data conclusion drawing. The results of the study show that spiritual-ecological education has three important outcomes, namely: (1) the integration of the values of monotheism, khalifah, and ecological trust creates a solid environmental ethical framework; (2) the methods of ecosufism and scientia sacra deepen students' affective and reflective understanding of the relationship between humans and nature; and (3) contextual learning methods such as eco-pesantren and environmental programs may connect spiritual values with real ecological activities. This study contributes scientifically by developing a theoretical basis for spiritual-ecological education that combines theological, philosophical, and pedagogical aspects of environmental education. These results imply the importance of developing lesson plans and teacher training that place spirituality as the basis of ecological understanding, with the caveat that drawing general conclusions from the study results requires further empirical testing.

Nadia Putri Sabrina; Sri Trisnaningsih

Prosiding Seminar Nasional Ilmu Ekonomi dan Akuntansi 2026 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The development of e-commerce and digital financial services has changed consumer behavior, particularly among Generation Z. One emerging innovation is the Paylater service, which offers convenience and flexibility in transactions. While providing easy access, the use of Paylater also has the potential to increase consumer behavior and impulsive purchases. This study aims to analyze the role of financial literacy and lifestyle in the use of Paylater services among Generation Z through the Systematic Literature Review (SLR) method. A total of ten scientific articles published in the last five years were analyzed to examine the relationship between financial literacy, lifestyle, and Paylater usage behavior. The results show that financial literacy has an inconsistent influence and tends to act as a controlling factor, while a consumptive and hedonistic lifestyle is the dominant factor driving Paylater use. In addition, behavioral factors such as impulsive purchases and technological convenience also strengthen the tendency to use these services. This study concludes that increasing financial literacy balanced with controlling a consumptive lifestyle is very influential in encouraging the wise and sustainable use of Paylater.