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ANALYSIS OF FACTORS AFFECTING PAYLATER USAGE AMONG GENERATION Z STUDENTS: PERSPECTIVES ON SHARIA CONSUMPTION BEHAVIOR, SHARIA FINANCIAL BEHAVIOR, AND SALES PROMOTION

Finansha: Journal of Sharia Financial Management · Vol. 7 No. 1 (2026) · hlm. 44–66

DOI
10.15575/fjsfm.v7i1.55818
ISSN
2774-2687, 2775-0868
Terbit
2026-06-16
Penerbit
UIN Sunan Gunung Djati Bandung
Bahasa
eng

Abstrak

This study examines the effect of Sharia Consumption Behavior, Sharia Financial Behavior, and Sales Promotion on PayLater Usage among Generation Z students at the Faculty of Islamic Economics and Business, Universitas Islam Negeri Sumatera Utara. Previous studies have discussed PayLater mainly through financial technology adoption, consumptive behavior, and promotional influence, while limited attention has been given to the paradox in which Muslim students who understand Sharia economic principles continue to use digital credit services. Addressing this gap, this study positions PayLater Usage as a negotiated financial behavior shaped by internal Sharia-oriented controls and external digital market stimuli. A quantitative causal research design was applied, involving 98 respondents selected through purposive sampling. Data were collected using structured questionnaires and analyzed using multiple linear regression with IBM SPSS Statistics. The results show that Sharia Consumption Behavior, Sharia Financial Behavior, and Sales Promotion each have positive and significant effects on PayLater Usage. Sharia Financial Behavior emerged as the strongest predictor, followed by Sharia Consumption Behavior and Sales Promotion. Simultaneously, the three variables significantly explained PayLater Usage, with an F-value of 32.973 and an Adjusted R² of 0.497. Theoretically, this study contributes to Islamic economics literature by explaining the coexistence between Sharia-based awareness and digital consumer culture through the principle of hifzh al-mal. Practically, the findings highlight the need to strengthen Sharia financial literacy through applied digital financial ethics.

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  • Universitas Islam Negeri Sumatera Utara
  • Universitas Nahdlatul Ulama Blitar
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Rekan penulisOrganisasiArtikel bersama
Siti Nurhasanah Br GintingAfiliasi tidak diketahui1
Khairina TambunanAfiliasi tidak diketahui1
Atika AtikaAfiliasi tidak diketahui1
RismaDani AAfiliasi tidak diketahui1
Maidalena MaidalenaAfiliasi tidak diketahui1
Widya SyaputriAfiliasi tidak diketahui1
Juliana NasutionUniversitas Islam Negeri Sumatera Utara1
Anggita DamayantiAfiliasi tidak diketahui1
Nadya Ananda EfendiAfiliasi tidak diketahui1
Muhammad SyahbudiAfiliasi tidak diketahui1
Aqwa Naser DaulayAfiliasi tidak diketahui1
T. Razita SyahindaAfiliasi tidak diketahui1
Sugianto SugiantoUniversitas Nahdlatul Ulama Blitar1
Hunny Lutpiah BasriAfiliasi tidak diketahui1
Nurbaiti NurbaitiAfiliasi tidak diketahui1
Anggia NurulitaAfiliasi tidak diketahui1

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.uinsgd.ac.id/index.php/finansha/oai, pertama di-harvest 7 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
<oai_dc:dc xmlns="http://www.openarchives.org/OAI/2.0/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:oai_dc="http://www.openarchives.org/OAI/2.0/oai_dc/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.openarchives.org/OAI/2.0/oai_dc/  http://www.openarchives.org/OAI/2.0/oai_dc.xsd">
	<dc:title xml:lang="en-US">ANALYSIS OF FACTORS AFFECTING PAYLATER USAGE AMONG GENERATION Z STUDENTS: PERSPECTIVES ON SHARIA CONSUMPTION BEHAVIOR, SHARIA FINANCIAL BEHAVIOR, AND SALES PROMOTION</dc:title>
	<dc:creator>B. Miftahulzannah Siregar</dc:creator>
	<dc:creator>Muhammad Ikhsan Harahap</dc:creator>
	<dc:creator>Faisal Umardani Hasibuan</dc:creator>
	<dc:subject xml:lang="en-US">Generation Z</dc:subject>
	<dc:subject xml:lang="en-US">PayLater</dc:subject>
	<dc:subject xml:lang="en-US">Sharia Consumption Behavior</dc:subject>
	<dc:subject xml:lang="en-US">Sharia Financial Behavior</dc:subject>
	<dc:subject xml:lang="en-US">Sales Promotion</dc:subject>
	<dc:description xml:lang="en-US">This study examines the effect of Sharia Consumption Behavior, Sharia Financial Behavior, and Sales Promotion on PayLater Usage among Generation Z students at the Faculty of Islamic Economics and Business, Universitas Islam Negeri Sumatera Utara. Previous studies have discussed PayLater mainly through financial technology adoption, consumptive behavior, and promotional influence, while limited attention has been given to the paradox in which Muslim students who understand Sharia economic principles continue to use digital credit services. Addressing this gap, this study positions PayLater Usage as a negotiated financial behavior shaped by internal Sharia-oriented controls and external digital market stimuli. A quantitative causal research design was applied, involving 98 respondents selected through purposive sampling. Data were collected using structured questionnaires and analyzed using multiple linear regression with IBM SPSS Statistics. The results show that Sharia Consumption Behavior, Sharia Financial Behavior, and Sales Promotion each have positive and significant effects on PayLater Usage. Sharia Financial Behavior emerged as the strongest predictor, followed by Sharia Consumption Behavior and Sales Promotion. Simultaneously, the three variables significantly explained PayLater Usage, with an F-value of 32.973 and an Adjusted R² of 0.497. Theoretically, this study contributes to Islamic economics literature by explaining the coexistence between Sharia-based awareness and digital consumer culture through the principle of hifzh al-mal. Practically, the findings highlight the need to strengthen Sharia financial literacy through applied digital financial ethics.</dc:description>
	<dc:publisher xml:lang="en-US">UIN Sunan Gunung Djati Bandung</dc:publisher>
	<dc:date>2026-06-16</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.uinsgd.ac.id/index.php/finansha/article/view/55818</dc:identifier>
	<dc:identifier>10.15575/fjsfm.v7i1.55818</dc:identifier>
	<dc:source xml:lang="en-US">Finansha: Journal of Sharia Financial Management; Vol. 7 No. 1 (2026): Finansha: Journal of Sharia Financial Management ; 44-66</dc:source>
	<dc:source>2774-2687</dc:source>
	<dc:source>2775-0868</dc:source>
	<dc:source>10.15575/fjsfm.v7i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.uinsgd.ac.id/index.php/finansha/article/view/55818/16595</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2026 B. Miftahulzannah Siregar, Muhammad Ikhsan Harahap, Faisal Umardani Hasibuan</dc:rights>
</oai_dc:dc>