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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) · pp. 44–66

DOI
10.15575/fjsfm.v7i1.55818
ISSN
2774-2687, 2775-0868
Published
2026-06-16
Publisher
UIN Sunan Gunung Djati Bandung
Language
eng

Abstract

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.

Keywords

Collaboration network of the authors

19 authors · 33 co-authorship links

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  • Universitas Islam Negeri Sumatera Utara
  • Universitas Nahdlatul Ulama Blitar
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Siti Nurhasanah Br GintingAffiliation unknown1
Khairina TambunanAffiliation unknown1
Atika AtikaAffiliation unknown1
RismaDani AAffiliation unknown1
Maidalena MaidalenaAffiliation unknown1
Widya SyaputriAffiliation unknown1
Juliana NasutionUniversitas Islam Negeri Sumatera Utara1
Anggita DamayantiAffiliation unknown1
Nadya Ananda EfendiAffiliation unknown1
Muhammad SyahbudiAffiliation unknown1
Aqwa Naser DaulayAffiliation unknown1
T. Razita SyahindaAffiliation unknown1
Sugianto SugiantoUniversitas Nahdlatul Ulama Blitar1
Hunny Lutpiah BasriAffiliation unknown1
Nurbaiti NurbaitiAffiliation unknown1
Anggia NurulitaAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://journal.uinsgd.ac.id/index.php/finansha/oai, first harvested 7 Nov 2026, last seen 8 Nov 2026.
Original metadata (oai_dc) 
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	<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>