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Abdul Aziz
Department of Islamic Economics, Sheikh Nurjati State Islamic University of Cirebon
Economics, Econometrics & Finance

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Cognitive Dissonance Among Muslim Consumers: A Qualitative Study of the Use of Paylater Features Among Generation Z in Islamic Boarding Schools Eva Pelitawati; Abdul Aziz; Saeful Bakhri
JURNAL ECONOMINA Vol. 5 No. 5 (2026): JURNAL ECONOMINA, Mei 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i5.1994

Abstract

This study examines the consumption paradox among Generation Z students at the Al-Ma’rifah Islamic Boarding School in Cirebon regarding the use of “pay-later” features. Using a descriptive qualitative method with a phenomenological approach, data were collected through in-depth interviews with fifteen informants selected through purposive sampling. The results indicate the presence of cognitive dissonance that is resolved through three mechanisms: labeling interest as an administrative fee, normalization due to peer pressure, and identity compartmentalization. These findings confirm a shift from substantive Sharia compliance to practical adaptation in the interest of a digital lifestyle. Therefore, the Sharia economics curriculum needs to integrate digital financial literacy to uphold the financial morality of the students.
Co-Authors Eva Pelitawati Saeful Bakhri