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All Journal Didaktik : Jurnal Ilmiah PGSD STKIP Subang Al-Istinbath: Jurnal Hukum Islam
Addiarrahman
UIN Sultan Thaha Saifuddin Jambi
Religion Education Law, Crime, Criminology & Criminal Justice

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PERILAKU KONSUMSI GENERASI Z PENGGUNA PAYLATER DI KOTA JAMBI: TINJAUAN FAKTOR MOTIVASI DAN GAYA HIDUP Lara Andela Putri; Addiarrahman; Dessy Anggraini
Didaktik : Jurnal Ilmiah PGSD STKIP Subang Vol. 12 No. 02 (2026): Volume 12 No. 02, Juni 2026 Produce
Publisher : STKIP Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36989/didaktik.v12i02.15627

Abstract

The rapid development of digital technology and the increasing use of e-commerce have encouraged the emergence of Paylater services as a practical payment alternative. Generation Z is the most active group using this service due to transaction convenience, promotional offers, and the growth of digital lifestyles. This study aims to analyze the consumption behavior of Generation Z Paylater users in Jambi City from the perspective of motivation and lifestyle factors, as well as identify the characteristics of their consumption behavior. This study employed a qualitative descriptive approach. Data were collected through in-depth interviews, literature reviews, and documentation. Informants were selected using purposive sampling techniques consisting of Generation Z individuals actively using Paylater services. The findings reveal that Paylater usage is influenced by both utilitarian and hedonic motivations. Utilitarian motivation arises because Paylater helps users fulfill urgent needs and manage cash flow, while hedonic motivation is driven by instant gratification, social trends, and social media influence. The consumption behavior of Generation Z Paylater users is characterized by high transaction frequency, dominance of purchases in fashion, skincare, gadgets, and entertainment products, as well as dependence on promotions and cashback offers. From the perspective of Islamic economics, the use of Paylater has the potential to encourage excessive consumption behavior (israf) and raise concerns regarding elements of usury (riba) if not accompanied by adequate financial literacy.
Fragmented by Design: A Maqasid Analysis of Stunting Eradication Policy in West Sumatra Duhriah; Fauzi Yati; Addiarrahman
AL-ISTINBATH : Jurnal Hukum Islam Vol 11 No 2 (2026)
Publisher : Institut Agama Islam Negeri Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jhi.v11i2.15743

Abstract

The persistent, and recently rising, stunting rate in West Sumatra, Indonesia, from 23.3 percent in 2021 to 24.9 percent in 2024, still above the national average of 19.8 percent, signals a failure of current policy approaches rather than of national commitment. Most Indonesian stunting research explains this persistence through household-level determinants such as sanitation, maternal education, and feeding practices, leaving the design of the policies themselves under-examined. This study addresses that gap by treating policy design, not household behavior, as the object of analysis. Its contribution is methodological: it applies Jasser Auda's seven-element Maqasid Framework, concepts, purposes, values, commands, universal laws, groups, and proofs, for the first time as a diagnostic instrument for subnational stunting governance in a Muslim-majority, customary (adat) society, rather than as a purely normative or theological tool. Drawing on qualitative fieldwork in Solok and West Pasaman districts, document analysis of local regulations and in-depth interviews and observations with policymakers, health cadres, and community members, the study maps local stunting policies onto the seven Maqasid elements and finds a systemic lack of synergy among them: technically narrow concepts detached from a shared higher purpose, marginalized Minangkabau customary leadership (tungku tigo sajarangan), and implementation reduced to bureaucratic routine. The study concludes that meaningful progress requires reorienting stunting governance from fragmented, target-driven administration toward purpose-driven, culturally embedded policy design, positioning the Maqasid Framework as a transferable diagnostic and design tool for comparable development challenges.
Co-Authors Dessy Anggraini Duhriah Fauzi Yati Lara Andela Putri