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All Journal JSEH (Jurnal Sosial Ekonomi dan Humaniora) Journal of Consumer Science Distribusi JMM UNRAM (Jurnal Magister Manajemen Universitas Mataram) Jurnal Pengabdian Magister Pendidikan IPA JISIP: Jurnal Ilmu Sosial dan Pendidikan JIIP (Jurnal Ilmiah Ilmu Pendidikan) ADMA: Jurnal Pengabdian dan Pemberdayaan Masyarakat ALEXANDRIA: Journal of Economics, Business, and Entrepreneurship Jurnal Pepadu Jurnal Abdi Anjani
Baiq Handayani Rinuastuti, Baiq Handayani
Faculty of Economic and Business, University of Mataram, Indonesia
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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 Abdurahman Abdurrahman Agusdin Akhmad Saufi Atriani, Atriani Azwar, Sabina Jannatin Rizka Balqies, Siti Adhwa Neysa Dedi Kurniawan Didy Ika Supryadi Erwan, Muhammad Fatihin, Muhammad Khairul Fatika, Baiq Deria Ayuning Furkan, Lalu M. Furkan, Lalu Muh Genadi, Yeldy Dwi Herman, Lalu Edy Husni, Vici Handalusia Ibrahim, Isra Dewi Kuntary Irany, Raden Bagus Faizal khairany, Kurnia Khairunnisa Khairunnisa Kusudyadmoko, Masyhur Marsanda, Sharla Muhammad Akhyar Muhammad Mujahid Dakwah Nurmayanti, Siti Paranata, Adika Permadi, Lalu Adi Prima Astuti Handayani Putra, Taufan Handika Putri, Ni Wayan Pramesti Putri, Yuwida rodhi, mohammad najib Rohmiati Saputra, Alga Doni SARIFUDIN Septiani, Wiwinda Siti Aisyah Hidayati Sugianti, Nelly Sulhaini Sulhaini Suryani, Embun Wafik, Ahmad Zaenal Zamroni Alpian Muhtarom Zefanya Andryan Girsang