The Effect Of Sharia Financial Literacy On The Consumer Behavior Of Generation Z Students With Paylater Users As A Mediation Variable
DOI:
https://doi.org/10.24256/kharaj.v7i3.7607Keywords:
Financial Literacy, Consumptive Behavior, Pay Later UsersAbstract
The purpose of this study is to determine the Influence of Islamic Financial Literacy on the Consumptive Behavior of Generation Z Students with Paylater Users as a Mediation Variable. This study uses a quantitative method by distributing questionnaires to 78 FEB students of the University of Muhammadiyah Palopo class of 2021 as data collection materials which were analyzed with the help of IBM SPSS statistics version 25. The data analysis used in this study is path analysis, which is a development technique of multiple linear regression. The researcher's findings indicate that financial literacy has a positive effect on consumptive behavior with pay later users as a mediating variable. From the results of this study, it can be concluded that generation Z students who have good Islamic financial literacy tend to be wiser in using pay later and controlling consumptive behavior in their daily lives.
References
Aeni, IN, Fitri, LE, & Roihan, M. (2024). The Influence of E-Payment, Sharia Financial Literacy and Lifestyle on Student Consumptive Behavior from an Islamic Economic Perspective. 8(2), 147–162.
Amalia, RH (2023). The Effect of Using the Shopee Paylater Payment System on the Consumptive Behavior of IAIN Palopo Students. Thesis, 129.
Amelia, VHI (2021). Factors Influencing the Use of the Spaylater Feature on the Shopee Application and Its Influence on Consumer Behavior. Thesis, Islamic University of Indonesia Yogyakarta, 17.
Asmarani, RA (2024). The Influence of Religiosity and Lifestyle on the Consumptive Behavior of Shopee Paylater Users with Self-Control as a Moderating Variable (A Study on Students of the Faculty of Islamic Economics and Business, UIN KH Abdurrahman Wahid Pekalongan)”. Angewandte Chemie International Edition, 6(11), 951–952., 5–24.
Devi Fitriani. (2023). The Influence of Shopee Paylater Features and Lifestyle on Consumptive Behavior. AT-TAWASSUTH: Journal of Islamic Economics, VIII(I), 1–19.
Fitriyah, CK, & Putri, RNA (2024). Sharia Financial Literacy and Religiosity on the Consumptive Behavior of Generation Z Students with the Mediating Variable of Paylater Use. Journal of Economic, Business and Accounting (Costing), 7(4), 7104–7117. https://doi.org/10.31539/costing.v7i4.9346
Haiqal, MR, Bintari, WC, & Hidayah, N. (2024). The Influence of Financial Literacy and Lifestyle on Students' Interest in Using Paylater (A Study of Students at Muhammadiyah University of Sorong). Analysis, 14(2), 413–427. https://doi.org/10.37478/als.v14i2.4548
Julita, E., B, I., & Yustati, H. (2022). The Effect of Shopee Paylatter Usage on Muslim Students' Consumptive Behavior. Journal of Islamic Economics, 8(3), 2953. https://doi.org/10.29040/jiei.v8i3.6775
Kusumawati, D. (2023). The Influence of Income, Financial Literacy, Hedonistic Lifestyle, and Entrepreneurial Motivation on the Consumptive Behavior of Indonesian College Students and Their Impact on Paylater Usage. 1–14. https://www.research.org/financial/index.php?page=14/www.ncbi.nlm.nih.gov/books/NBK558907/
Maharani, D. (2020). The Influence of Financial Literacy, Lifestyle, and Self-Control on College Students' Consumptive Behavior. Hiraki Scientific Journal of Management and Business, 2(1), 107–118.
https://journal.upp.ac.id/index.php/Hirarki/article/view/671%0A https://journal.upp.ac.id/i ndex.php/Hirarki/article/download/671/426
Maulida, ER, Munandar, E., & Nurochani, N. (2023). The Influence of Financial Literacy and the Paylater Payment System on Student Consumptive Behavior in Ciamis Regency from a Sharia Economic Perspective. Journal of Education Technology Information Social Sciences and Health, 2(1), 399–410.
Maya Komala, Sihabudin, & Robby Fauji. (2024). The Influence of Financial Attitudes, Self-Control, and Self-Reward on Financial Management of Generation Z in West Telukjambe District. Al-Kharaj: Journal of Islamic Economics, Finance & Business, 6(7), 5279–5295. https://doi.org/10.47467/alkharaj.v6i7.2519
Mutthaqin, MS, Wati, P., & Batubara, C. (2023). The Influence of Spaylater in Online Shops on Consumptive Behavior of Muslim Students at Febi Uinsu. Islamic Economics and Banking, 8(2), 1538–1565. https://doi.org/10.30651/jms.v8i2.19402
Nadhifah, HA, Arif, M., Sucipto, B., Sudibyo, H., Tegal, UP, & Arif, M. (2024). Level of Generation Z Consumptive Behavior Among Students of the Guidance and Counseling Study Program at Pancasakti University. Jurnal Fokus Konseling, 10(1), 17–27. https://doi.org/10.52657/jfk.v10i1.2195
Oktaviani, M., Oktaria, M., Alexandro, R., Eriawaty, E., & Rahman, R. (2023). The Influence of Financial Literacy on Generation Z Consumer Behavior in College Students. Journal of Social Sciences, 9(2), 136–145. https://doi.org/10.23887/jiis.v9i2.68587
Pera Dwiwansi, Endah Dewi Purnamasari, & Shafiera Lazuarni. (2023). The Influence of Financial Literacy and Financial Experience of the Millennial Generation on Paylater Usage
On E-Commerce. Economics45: Journal Scientific Management, Economy Business,Entrepreneurship, 10(2), 48–58. https://doi.org/10.30640/ekonomika45.v10i2.781
Pokhrel, S. (2024). The Influence of Financial Literacy, Shopee Paylater Users, and Lifestyle on Student Consumptive Behavior. Αγαη, 15(1), 37–48.
Rachmah, D., & Muhammad Aufa. (2023). The Influence of Understanding Financial Literacy, Benefits, and Service Quality on Accounting Students' Interest in Using Paylater. Rimba Journal: Research in Business Management and Accounting, 1(4), 283–301. https://doi.org/10.61132/rimba.v1i4.314
Rafidah, R., Alawiyah, R., & Muliyana, M. (2020). The Influence of Sharia Financial Literacy, Religiosity, and Lifestyle on Consumer Behavior in College Students. Jurnal Economina, 1(1), 49–62. https://doi.org/10.55681/economina.v1i1.25
Sahrir, S., Syamsuddin, S., & Sultan, S. (2021). The Effect of Political Connections, Fixed Asset Intensity, Independent Commissioners, Profitability, and Leverage on Tax Avoidance. Journal of Accounting Economics Research (JENSI), 5(1), 14–30. https://doi.org/10.33059/jensi.v5i1.3517
Septiansari, D., & Handayani, T. (2021). The Influence of Online Shopping on Consumer Behavior among College Students During the Covid-19 Pandemic. Technology, 5(1), 53–65.http://journal.lembagakita.org
Sofyan, IZ (2020). The Influence of Sharia Financial Literacy and Lifestyle on Consumptive Behavior. July, 1–23.
Sri Darmawati, LE, Ruski, R., Jannah, R., & Jailani, A. (2023). The Effect of Financial Literacy and Self-Control on Students' Consumptive Behavior. Muhasabatuna: Jurnal Akuntansi Syariah, 5(1), 013–020. https://doi.org/10.54471/muhasabatuna.v5i1.2344
Supri, Z., Sahrir, S., Hamid, RS, Sultan, S., & Riyanti, R. (2023). Improving the Financial Management and Digital Marketing Systems of the Chalodo Sibali Resoe MSME. Jurnal Abdi Insani, 10(4), 2204–2211. https://doi.org/10.29303/abdiinsani.v10i4.1148
Theresia, J. (2024). Neraca The Effect Of Financial Literacy Use Of Digital Payments And Self-Control On Consumptive Behavior In Students Of The Faculty Of Neraca. 1192, 22– 38.
Zein, AZ (2024). The Influence of Financial Literacy, Consumptive Behavior, and Lifestyle on Shopee Paylater Users with Financial Behavior as a Moderating Variable
Downloads
Published
How to Cite
Issue
Section
Citation Check
License
Copyright (c) 2025 Nur Aisyah, Sofyan Syamsuddin, Sultan
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 International License. In line with the license, authors are allowed to share and adapt the material. In addition, the material must be given appropriate credit, provided with a link to the license, and indicated if changes were made. If authors remix, transform or build upon the material, authors must distribute their contributions under the same license as the original.
