PAY LATER SYSTEM AND STUDENTS IMPULSIVE BUYING: ISLAMIC PERSPECTIVE IN THE DIGITAL ERA
Keywords:
PayLater Features, Student Consumptive Behavior, Impulse Buying
Abstract
The study aims to test the influence of pay later on student impulsive buying behavior in the digital age by emphasizing Islamic perspectives. The study collected data from students who used the Pay Later system to conduct online retail transactions using a qualitative research approach. The study uses survey methods for data collection. Besides, we're doing this research using Islamic economic principles that promote justice, honesty, and responsible transactions. The research findings indicate that a newer payment system can enhance students' impulsive purchasing behavior. This study provides in-depth insight into how the latest payment system affects student expenditure behavior and serves as a basis for developing policy recommendations to encourage the establishment of payment systems based on Islamic principles. Research results from a survey of 50 respondents show that UIN K.H. Abdurrahman Wahid Pekalongan positively perceives pay-later and e-marketing. However, many students still see this payment system as a desire rather than a necessity, and that includes impulsive buying behavior.References
Administrasi Niaga, J., & Negeri Bandung, P. (2021a). Pengaruh Penggunaan Paylater Terhadap Perilaku Impulse Buying Pengguna E-Commerce di Indonesia Rahmatika Sari. Jurnal Riset Bisnis Dan Investasi, 7(1), 44.
Administrasi Niaga, J., & Negeri Bandung, P. (2021b). Pengaruh Penggunaan Paylater Terhadap Perilaku Impulse Buying Pengguna E-Commerce di Indonesia Rahmatika Sari. Jurnal Riset Bisnis Dan Investasi, 7(1), 44.
Afra Khairunnisa, S., Rahman, M. C., Apriyanti, C., Putri, D. O., & Fajrussalam, H. (2022). PERILAKU KONSUMTIF PENGGUNAAN ONLINE SHOPPING DAN SISTEM PAY LATER DALAM PERSPEKTIF EKONOMI ISLAM. Jurnal Pendidikan Dasar, 6(1), 130–147. https://ejournal.stitpn.ac.id/index.php/fondatia
Arif Nurohman, Y., Sari Qurniawati, R., Syariah, P., Raden Mas Said Surakarta, U., & AMA Salatiga, S. (n.d.). BUY NOW, PAY LATER: APAKAH PAYLATER MEMPENGARUHI PEMBELIAN IMPULSIF GENERASI MUDA MUSLIM? 15(3), 319.
Hurriyah, A., Hukum Islam, J., & Arista Achmanda, S. (n.d.). conditions of the Creative Commons Attribution-ShareAlike 4.0 International License-(CC-BY-SA) (https://creativecommons.org/licenses/by-sa/4.0/) REVIEW OF ISLAMIC LAW ON THE PRACTICE OF “PAYLATER” IN BUYING AND SELLING TRANSACTIONS. https://doi.org/10.30983/al
Kokoy Koyyimah, A., Ayuniyyah, Q., & Beik, I. S. (2023). Paylater from an Islamic Perspective: Analysis of Fiqh and Consumer Behavior (Vol. 1).
Maharani, D., & Hidayat, T. (2020). Rasionalitas Muslim : Perilaku Konsumsi dalam Prespektif Ekonomi Islam. Jurnal Ilmiah Ekonomi Islam, 6(3), 409. https://doi.org/10.29040/jiei.v6i3.1374
Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan, I., Rizal Nurdin Km, J. H., Padangsidimpuan, K., Utara, S., Kalsum Hasibuan, L., Anriani Siregar, W., & Aziz Harahap, A. (n.d.). SHOPEE PAY LATER USER PERCEPTIONS OF IMPULSE BUYING BEHAVIOR. Jurnal Ilmu Manajemen Dan Bisnis Islam, 9(2), 216–227. http://jurnal.iain-padangsidimpuan.ac.id/index.php/attijaroh
Nikmah, A., & Iriani, S. (n.d.). Pengaruh Kemudahan dan Manfaat Penggunaan Shopee Paylater Terhadap Perilaku Impulse Buying. Jurnal Ilmiah Wahana Pendidikan, 2023(16), 8–21. https://doi.org/10.5281/zenodo.8224952
Prihadi, D., Harira Irawan, B., Subroto, S., Studi Bisnis Digital Fakultas Ekonomi dan Bisnis Universitas Pancasakti Tegal, P., & Studi Manajemen Fakultas Ekonomi dan Bisnis, P. (2022). PENGARUH DIGITAL MARKETING, SISTEM PAYLATER, DISKON HARBOLNAS TERHADAP MOTIVASI HEDONIS DAN DAMPAKNYA PADA IMPULSE BUYING. 15(2).
Pulungan, D. R., & Febriaty, H. (n.d.). JRSM 2(3) PENGARUH GAYA HIDUP DAN LITERASI KEUANGAN TERHADAP PERILAKU KONSUMTIF MAHASISWA. In Jurnal Riset Sains Manajemen (Vol. 2, Issue 3).
Rohayedi, E., & Agama Islam Negeri Palangka Raya, I. (n.d.). KONSUMERISME DALAM PERSPEKTIF ISLAM. http://e-journal.iain-palangkaraya.ac.id/index.php/TF
Sari, E. A., Latifah, I., Ararizki, M. A., Jannah, M., Hidayat, W., Sultan, U., & Hasanuddin Banten, M. (2023). Pengaruh Penggunaan Shopee Paylater Terhadap Perilaku Konsumtif Mahasiswa Muslim. In IJM: Indonesian Journal of Multidisciplinary (Vol. 1). https://journal.csspublishing/index.php/ijm
Satira, U., & Hidriani, 2rossa. (n.d.). Peran Penting Public Relations Di Era Digital.
Suryana. (2010). Metodologi Penelitian: Model Praktis Penelitian Kuantitatif dan Kualitatif.
Ulum, Z., & Asmuni, A. (2023). TRANSAKSI PAYLATER PERSPEKTIF HUKUM ISLAM. Al-Mawarid Jurnal Syariah Dan Hukum (JSYH), 5(1), 59–72. https://doi.org/10.20885/mawarid.vol5.iss1.art5
YUME : Journal of Management. (2022). https://doi.org/10.2568/yum.v5i3.3067
Administrasi Niaga, J., & Negeri Bandung, P. (2021b). Pengaruh Penggunaan Paylater Terhadap Perilaku Impulse Buying Pengguna E-Commerce di Indonesia Rahmatika Sari. Jurnal Riset Bisnis Dan Investasi, 7(1), 44.
Afra Khairunnisa, S., Rahman, M. C., Apriyanti, C., Putri, D. O., & Fajrussalam, H. (2022). PERILAKU KONSUMTIF PENGGUNAAN ONLINE SHOPPING DAN SISTEM PAY LATER DALAM PERSPEKTIF EKONOMI ISLAM. Jurnal Pendidikan Dasar, 6(1), 130–147. https://ejournal.stitpn.ac.id/index.php/fondatia
Arif Nurohman, Y., Sari Qurniawati, R., Syariah, P., Raden Mas Said Surakarta, U., & AMA Salatiga, S. (n.d.). BUY NOW, PAY LATER: APAKAH PAYLATER MEMPENGARUHI PEMBELIAN IMPULSIF GENERASI MUDA MUSLIM? 15(3), 319.
Hurriyah, A., Hukum Islam, J., & Arista Achmanda, S. (n.d.). conditions of the Creative Commons Attribution-ShareAlike 4.0 International License-(CC-BY-SA) (https://creativecommons.org/licenses/by-sa/4.0/) REVIEW OF ISLAMIC LAW ON THE PRACTICE OF “PAYLATER” IN BUYING AND SELLING TRANSACTIONS. https://doi.org/10.30983/al
Kokoy Koyyimah, A., Ayuniyyah, Q., & Beik, I. S. (2023). Paylater from an Islamic Perspective: Analysis of Fiqh and Consumer Behavior (Vol. 1).
Maharani, D., & Hidayat, T. (2020). Rasionalitas Muslim : Perilaku Konsumsi dalam Prespektif Ekonomi Islam. Jurnal Ilmiah Ekonomi Islam, 6(3), 409. https://doi.org/10.29040/jiei.v6i3.1374
Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan, I., Rizal Nurdin Km, J. H., Padangsidimpuan, K., Utara, S., Kalsum Hasibuan, L., Anriani Siregar, W., & Aziz Harahap, A. (n.d.). SHOPEE PAY LATER USER PERCEPTIONS OF IMPULSE BUYING BEHAVIOR. Jurnal Ilmu Manajemen Dan Bisnis Islam, 9(2), 216–227. http://jurnal.iain-padangsidimpuan.ac.id/index.php/attijaroh
Nikmah, A., & Iriani, S. (n.d.). Pengaruh Kemudahan dan Manfaat Penggunaan Shopee Paylater Terhadap Perilaku Impulse Buying. Jurnal Ilmiah Wahana Pendidikan, 2023(16), 8–21. https://doi.org/10.5281/zenodo.8224952
Prihadi, D., Harira Irawan, B., Subroto, S., Studi Bisnis Digital Fakultas Ekonomi dan Bisnis Universitas Pancasakti Tegal, P., & Studi Manajemen Fakultas Ekonomi dan Bisnis, P. (2022). PENGARUH DIGITAL MARKETING, SISTEM PAYLATER, DISKON HARBOLNAS TERHADAP MOTIVASI HEDONIS DAN DAMPAKNYA PADA IMPULSE BUYING. 15(2).
Pulungan, D. R., & Febriaty, H. (n.d.). JRSM 2(3) PENGARUH GAYA HIDUP DAN LITERASI KEUANGAN TERHADAP PERILAKU KONSUMTIF MAHASISWA. In Jurnal Riset Sains Manajemen (Vol. 2, Issue 3).
Rohayedi, E., & Agama Islam Negeri Palangka Raya, I. (n.d.). KONSUMERISME DALAM PERSPEKTIF ISLAM. http://e-journal.iain-palangkaraya.ac.id/index.php/TF
Sari, E. A., Latifah, I., Ararizki, M. A., Jannah, M., Hidayat, W., Sultan, U., & Hasanuddin Banten, M. (2023). Pengaruh Penggunaan Shopee Paylater Terhadap Perilaku Konsumtif Mahasiswa Muslim. In IJM: Indonesian Journal of Multidisciplinary (Vol. 1). https://journal.csspublishing/index.php/ijm
Satira, U., & Hidriani, 2rossa. (n.d.). Peran Penting Public Relations Di Era Digital.
Suryana. (2010). Metodologi Penelitian: Model Praktis Penelitian Kuantitatif dan Kualitatif.
Ulum, Z., & Asmuni, A. (2023). TRANSAKSI PAYLATER PERSPEKTIF HUKUM ISLAM. Al-Mawarid Jurnal Syariah Dan Hukum (JSYH), 5(1), 59–72. https://doi.org/10.20885/mawarid.vol5.iss1.art5
YUME : Journal of Management. (2022). https://doi.org/10.2568/yum.v5i3.3067
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