Having fun shopping by installment is always a happy experience for the customer and the manufacturer. People can purchase a large number of products by making many small payments over a longer period. Using the installment method to pay is especially important for companies when conducting business. It helps businessmen enhance the turnover rate, which aids in the rapid development of the company and ensures a good return. However, this method of payment can increase risk for companies in a high-interest rate and unstable economic environment. Many companies go bankrupt because of debt. We can see installments as a way of borrowing money from the future. A controllable use of it can help us achieve our goals faster, but we must prepare for the worst in its adverse effects.