Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
P-Index
This Author published in this journals
All Journal Ulumuddin : Jurnal Ilmu-ilmu Keislaman Jurnal Nuansa Akademik: Jurnal Pembangunan Masyarakat
Najma Taralia Farah
Sunan Kalijaga State Islamic University Yogyakarta Indonesia
Religion Humanities Civil Engineering, Building, Construction & Architecture Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Fiqh Muamalah Analysis of Paylater Systems: Behavioral Control, Impulse Buying, and Sharia Compliance Najma Taralia Farah; Afdawaiza Afdawaiza; Ahmad Sarjon Razik; Abdullah Ali Al Makky; Dind Ibra Benign Sajid
Ulumuddin: Jurnal Ilmu-ilmu Keislaman Vol 16 No 1 (2026): (In Progress)
Publisher : Universitas Cokroaminoto Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47200/ulumuddin.v16i1.3612

Abstract

The rise of paylater as a dominant payment feature in Indonesian e-commerce and e-wallet platforms has triggered notable shifts in how consumers make purchase decisions. This study explores, through a qualitative literature approach, how paylater weakens behavioral control particularly perceived behavioral control within the Theory of Planned Behavior and accelerates impulse buying tendencies. When payment friction is reduced to a single tap, the psychological cost of spending diminishes, making unplanned purchases feel deceptively rational. Findings further indicate that impulse buying, when paired with satisfying post-purchase experiences, mediates repurchase intention. However, this cycle is fragile post-purchase regret can just as easily sever platform loyalty. From an Islamic economic lens, paylater raises unresolved concerns regarding transparency, interest-like penalties, and the promotion of israf. The study concludes that the behavioral consequences of financial technology design deserve more critical attention.
Digitalization, Financial Development, and Institutional Quality on ASEAN Economic Growth Najma Taralia Farah; Anton Bawono; Navi Risanti; Surya A. Fajar; Ali Samai Mata; Abd Fajeri Pita
Nuansa Akademik: Jurnal Pembangunan Masyarakat Vol. 11 No. 1 (2026): In Progress
Publisher : Lembaga Dakwah dan Pembangunan Masyarakat Universitas Cokroaminoto Yogyakarta (LDPM UCY)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47200/jnajpm.v11i1.3598

Abstract

This study assesses the impact of digital transformation and advancements in the financial sector on economic growth in the ASEAN area, with institutional quality acting as a moderating variable. The methodology employed is dynamic panel data analysis utilizing the System-Generated Method of Moments (SYS-GMM) and Moderated Regression Analysis (MRA). The estimation results indicate that the impacts of digital transformation and financial development on economic growth are not consistently direct and significant. Nonetheless, institutional quality generally enhances this association, although the effect is not uniform across all sampled nations. The results demonstrate that the impacts of digitalization and the financial sector on growth are not consistently straightforward, but are significantly influenced by the efficacy of governance in each nation. This emphasizes that technology advancement must be paired with the enhancement of supporting institutions to facilitate optimal economic growth.
Co-Authors Abd Fajeri Pita Abdullah Ali Al Makky Afdawaiza Afdawaiza Ahmad Sarjon Razik Ali Samai Mata Anton Bawono Dind Ibra Benign Sajid Navi Risanti Surya A. Fajar