Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Santri : Jurnal Ekonomi dan Keuangan Islam
Alvan Rizky Alhanief
Universitas Negeri Surabaya
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Pengaruh Behavioral intention, Fear of Missing Out (FoMO), dan Literasi Keuangan Syariah terhadap Keputusan Penggunaan Layanan Paylater dalam Berbelanja Online Mahasiswa Muslim di Jawa Timur Alvan Rizky Alhanief; Rachma Indrarini
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 4 No. 5 (2026): Oktober: SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v4i5.2689

Abstract

The rapid growth of digital finance has made Paylater A common payment option for online shopping among university students. However, previous studies have generally examined behavioral intention, Fear of Missing Out (FoMO), and Islamic finacial lieracy separately, and have focused more on intention than on actual usage decision. This study aims to analyze the effect of behavioral intention, FoMO, dan Islamic finacial literacy on the decision of Muslim university students in East Jave to use Paylater services for online shopping. A quantitative assiciative wa applied through a closed-ended Likert-scale questionnaire distributed online to 150 Muslim students who had used Paylater. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The results show that behavioral intention, FoMO, and Islamic financial literacy each have a positive and significant effect on the decision to use Paylater, and together explain 63,4% of its variation. FoMO shows the largest path coefficient among the three variables, while Islamic financial literacy does not yet function as a restraint on Paylater use. These findings imply that financial education in higher education should address peer pressure, and that service providers should present costs and installment schemes more clearly to users.
Co-Authors Rachma Indrarini