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All Journal Jurnal Bisnis dan Manajemen JSEH (Jurnal Sosial Ekonomi dan Humaniora) Journal of Consumer Science Jurnal Manajemen & Keuangan SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Distribusi Inovator : Jurnal Manajemen JMM UNRAM (Jurnal Magister Manajemen Universitas Mataram) Jurnal Ilmiah Mandala Education (JIME) Jurnal Riset Akuntansi Aksioma Jurnal Gema Ngabdi Jurnal Kedokteran: Media Informasi Ilmu Kedokteran dan Kesehatan Jurnal Pengabdian Masyarakat Bumi Raflesia Jurnal Abdi Insani JIIP (Jurnal Ilmiah Ilmu Pendidikan) Target : Jurnal Manajemen Bisnis Jurnal Abdimas Sangkabira juremi: jurnal riset ekonomi ALEXANDRIA: Journal of Economics, Business, and Entrepreneurship Prosiding Konferensi Nasional PKM-CSR Jurnal Multidisiplin Madani (MUDIMA) Jurnal Pepadu International Journal of Management Science Asian Journal of Management, Entrepreneurship and Social Science Prosiding Dedikasi: Pengabdian Mahasiswa Kepada Masyarakat Journal of Sharia Economy and Islamic Tourism Jurnal Wicara Desa
Nurmayanti, Siti
Fakultas Ekonomi Dan Bisnis, Universitas Mataram
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Journal : Journal of Consumer Science

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Intention to Use PayLater among Young Muslim Consumers: The Role of Islamic Religious Commitment Sulhaini, Sulhaini; Rinuastuti, Baiq Handayani; Nurmayanti, Siti
Journal of Consumer Sciences Vol. 10 No. 2 (2025): Journal of Consumer Sciences
Publisher : Department of Family and Consumer Sciences, Faculty of Human Ecology, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jcs.10.2.197-223

Abstract

Background: Compared to other consumer groups, young Indonesian consumers have a stronger desire for debt and overconsumption Purpose: This study aims to develop and empirically test a model of the influence of materialism and global luxury brand admiration on conspicuous consumption and intention to use conventional PayLater, with Islamic religious commitment as a moderating variable. Method: Data was collected from consumers on the island of Lombok, Indonesia. The island was chosen because it is widely known for its religious community. The study followed a quantitative approach. The respondents were young Muslim consumers between 17 and 35 years of age who were active shoppers in the marketplace. This research involved 364 conveniently selected respondents. Findings: The study indicates that Islamic religious commitment can mitigate the influence of materialism on conspicuous consumption. This commitment also reduces the impact of conspicuous consumption on the willingness to go into debt by using conventional PayLater. The findings also reveal that young Muslim consumers desire global luxury brands to show off. Conclusions: Islamic religious commitment weakens materialism's influence on conspicuous consumption and intention to use PayLater because consumers understand and obey their religion's teachings. Youthful materialistic Muslim consumers may seek comfort, equilibrium, and a high quality of life rather than a desire to flaunt their possessions. Research implication: This study indicates that young Muslim consumers could become the largest users later. To assist them in avoiding riba, PayLater’s owners should provide services according to Islamic teaching and/or encourage them to restrict their use of its services to less than the interest-free period of 30 days.
Co-Authors Abimanyu, Raditya Razindra Ade Risbian Isnaeni Af’idah Agusdin Agustiani, Eka Al-hannani, Muhammad Zaki Ali, Haider Amida, Rani AP, I Nyoman Nugraha Apri Adi B. Handayani Rinuastuti Baiq Ayu Ningsih Baiq Handayani Rinuastuti Baiq Handayani Rinuastuti Baiq Handayani Rinuastuti, Baiq Handayani Baiq Nurul Suryawati Bisma, I Dewa Gede Budi Rahmatullah, Tri Budiyanti, Ameliya Eka Dewi Liesnoor Setyowati Dwi Putra Buana Sakti Dwi Putra Buana Sakti Dwi Putra Buana Sakti Dwi Putra Buana Sakti Dwi Putra Buana Sakti Edward Efendi Silalahi Eka Agustiani Fatihin, Muhammad Khairul Fauzi M. Nur SP Fauzi Muhammad Nur Fauzi, Anisa Fithri Fadhila Fikri Adyantama G. A Sri Oktaryani G. A. Sri Oktaryani Handayani Rinuastuti, Baiq Haq, M Iqbalul Haya, Citra Fadia Herman, Lalu Edy hermanto hermanto Hermanto Hermanto Hermanto Hermanto I Dewa Gde Bisma I Nyoman Nugraha Ardana Putra Ikhsan Cahyadi, Ikhsan Cahyadi Ikhsan Cahyadi, Muhammad Indrajaya, Ivan Jurnal Pepadu Kariani Febrianti khairul Amri Khairunnisah, Noni Antika Kurnia, Juan Kusmayadi, Iwan Laela Wardani Laila Wardani Laily, Nurul Lalu Ferdi Ferdiansyah Lalu Gde muhamad Subhan Lalu Suparman Lalu Suparman, Lalu M. Ahyar Putra M. Nur Ihsan Mandra, I Gede Megawati, Erni Meizora, Berlian Caterine Melani, Ria Mery Noviyanti Mika Lestari Hutapea Muhammad Ma'ruf Muhammad yusuf Mukmin Suryatni, Mukmin Muliatul Qomari, Muna Ni Wayan Sri Wangi Putri, Dian Risandi Putri, Ni Wayan Krisnitha Putri, Vira Alfiana Qibtia, Hesti Nurul Rahman Dayani Ramadhan, Sahru Ramdani, Nadia Rasyidatur Rahmaniah Rini Fitriantini Rini Purnama Sari Riza Afwa, Muhamad rodhi, mohammad najib Rosalinda Rusdan Rusdan Salmun Rahman Sani, Usman Santy Nururly Septianingsih, Inda Serip, Sarifudin Silviani Sirithi Premasinghe Siti Aisyah Hidayati Siti Aisyah Hidayati SRI RAHAYU Sri Tatminingsih Sri Tatminingsih Sulaimiah, Sulaimiah Sulaimiah, Sulaimiah Sulhaini Sulhaini Sulhaini Sulhaini Sulhaini Sulhaini Sulinantangi, Delji Suprayetno, Djoko Surati Surati Suraya Diniyah Suryani, Embun Thatok Asmony Thatok Asmony Thatok Asmony Vina Ayu Hidayati Wirayuda, Lalu Ahmad zainal abidin Zainal Abidin Zefanya Andryan Girsang Zulbiantoni, Danil