Nazira Azza Herviana, Elisa Kurniadewi

FEAR OF MISSING OUT (FoMO) SHOPEE PAYLATER DAN DAMPAKNYA TERHADAP KESEJAHTERAAN SOSIAL PEREMPUAN DI MAMPANG PRAPATAN

Introduction

Fear of missing out (fomo) shopee paylater dan dampaknya terhadap kesejahteraan sosial perempuan di mampang prapatan . Studi FoMO Shopee PayLater dan dampaknya pada kesejahteraan sosial perempuan di Mampang Prapatan. Mengulas perilaku konsumtif, literasi keuangan, utang, stres, serta potensi pemberdayaan ekonomi.

Abstract

Abstrak Penelitian ini bertujuan untuk menganalisis fenomena Fear of Missing Out (FoMO) dalam penggunaan layanan Shopee PayLater serta dampaknya terhadap kesejahteraan sosial perempuan usia produktif di wilayah perkotaan. FoMO yang dialami pengguna terutama bersifat ekonomis, yakni ketakutan kehilangan kesempatan diskon dan promo dalam ekosistem digital yang didorong oleh norma sosial dan tekanan media. Penelitian ini menggunakan pendekatan kualitatif dengan desain studi kasus dan teknik analisis tematik. Informan terdiri dari empat perempuan pengguna aktif Shopee PayLater yang berdomisili di Kelurahan Mampang Prapatan, Jakarta Selatan. Hasil penelitian menunjukkan bahwa perilaku konsumtif yang dipicu oleh FoMO diperkuat oleh rendahnya literasi keuangan dan norma sosial digital, bukan semata-mata karena faktor gender. Penggunaan Shopee PayLater yang tidak terkontrol dapat menurunkan kesejahteraan sosial melalui akumulasi utang, stres, dan disfungsi sosial. Sebaliknya, jika digunakan secara bijak, layanan ini dapat menjadi alat pemberdayaan ekonomi perempuan. Penelitian ini memberikan kontribusi dalam memahami keterkaitan antara dinamika psikososial, konsumsi digital, dan kesejahteraan sosial perempuan di era finansialisasi digital.

Review

This paper investigates the intriguing phenomenon of Fear of Missing Out (FoMO) in the context of Shopee PayLater usage and its subsequent impact on the social well-being of productive-aged women in Mampang Prapatan, Jakarta. Employing a qualitative case study design with thematic analysis, the researchers sought to understand how digitally-driven economic FoMO, particularly the fear of missing discounts and promotions, plays out in an urban setting. With four active Shopee PayLater users as informants, the study delves into a timely and highly relevant issue, given the rapid expansion of digital financial services and their pervasive influence on consumer behavior in Indonesia. A key strength of this research lies in its nuanced findings, which move beyond simplistic assumptions. The study effectively demonstrates that consumerism fueled by FoMO is significantly amplified by low financial literacy and digital social norms, rather than being solely a gender-specific issue. This distinction is crucial for developing targeted interventions. Furthermore, the paper adeptly highlights the dual potential of Shopee PayLater: while uncontrolled use can lead to debt accumulation, stress, and social dysfunction, judicious application can indeed serve as an economic empowerment tool for women. This balanced perspective significantly contributes to our understanding of the complex interplay between psychosocial dynamics, digital consumption, and women's social well-being in the era of digital financialization. While offering valuable insights, the study's primary limitation lies in its small sample size of four informants. Although suitable for an in-depth case study, this restricted scope inherently limits the generalizability of the findings to the broader population of "productive-aged women in urban areas," as stated in the objective. Future research would benefit immensely from expanding the informant pool to include a more diverse range of socio-economic backgrounds and age groups, which could provide a richer understanding of the varying experiences and vulnerabilities. Additionally, a deeper theoretical engagement with the multifaceted concept of "social well-being" in the context of digital financialization would further strengthen the paper's analytical rigor. Despite these methodological considerations, the research serves as an important foundational step in exploring this critical area.

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