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All Journal International Research Journal of Business Studies
Laila Wardani
University of Mataram, Jl. Majapahit No.62, Gomong, Kec. Selaparang, Kota Mataram, Nusa Tenggara Barat 33125
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Islamic Religiousity, Conspicuous Consumption, and PayLater Usage Intention in Young Muslim Consumers Sulhaini Sulhaini; Laila Wardani; Sulaimiah Sulaimiah
International Research Journal of Business Studies Vol. 19 No. 1 (2026): April - July (Issue in Progress)
Publisher : Universitas Prasetiya Mulya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21632/

Abstract

This study investigated the intention to use PayLater among young Muslim consumers from the island of Lombok in Indonesia. A multigroup analysis approach was employed to compare the behavioural differences between young male and female consumers. The island of Lombok is known as the island of a thousand mosques, reflecting the religiosity of its residents. Data were collected through questionnaires distributed to university students aged 17–25 years old. Young consumers were chosen because of their high level of debt compared to other age groups. The results reveal that for all groups, Islamic religious commitment significantly weakens the tendency to “show off”. The tendency to show off drives the intention of young Muslim consumers to take on debt. A significant gender difference was observed, with the influence of Islamic religious commitment on the tendency to show off being much stronger for male compared to female consumers. However, this religious commitment does not have a direct negative impact on male consumers’ intention to incur debt; instead, it indirectly reduces this intention by weakening the tendency to show off.
Co-Authors Sulaimiah Sulaimiah Sulhaini Sulhaini