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All Journal Dinasti International Journal of Education Management and Social Science IIJSE
Tri Inda Fadhila Rahma
Universitas Islam Negeri Sumatera Utara, Medan, Indonesia
Economics, Econometrics & Finance Education

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Factors Influencing The Use of E-Wallets In Paying BPJS Contributions (Case Study of The Sialang Village Community) Nur Aprillia; Tri Inda Fadhila Rahma; Atika Atika
Dinasti International Journal of Education Management And Social Science Vol. 5 No. 4 (2024): Dinasti International Journal of Education Management and Social Science (April
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijemss.v5i4.2570

Abstract

This research aims to find out and analyze what factors influence the use of  E-wallet in paying BPJS contributions. The research method used is quantitative descriptive. The population in this research is the people of Sialang Village. This research used a purposive sampling technique with a sample size of 100 people. In this research, data analysis uses normality test, linear regression test, partial test, simultaneous test , coefficient of determination test using the SPSS 25 program. Partial research results show that literacy and security have no influence on usage decisions, price and service have a significant and significant influence on decisions. use. Meanwhile, simultaneously, literacy, security, price and service influence usage decisions. Based on the results of testing the coefficient of determination, the Adjusted R Square value was obtained, namely 0.630 or 6.30 % . This means that the decision to use is 6.30 % . Meanwhile , 4.70 % is influenced by other factors not included in the regression model.
The Influence of Lifestyle and Paylater Usage on Consumption Behavior: A Review of Islamic Economics (Case Study of Generation Z in Medan City) Ade Vitria; Tri Inda Fadhila Rahma; Nursantri Yanti
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.9949

Abstract

This study seeks to determine the impact of the use of a deferred payment system (paylater) on the consumption behavior of Generation Z in the field of Islamic Economics, the impact of a hedonistic lifestyle on Islamic Economic consumption behavior among Generation Z E-Commerce users in Medan City, and the interaction between the use of a deferred payment system and a hedonistic lifestyle on the consumption behavior of Generation Z. The research method used is quantitative research with a survey approach. Data were collected through a Likert-scale-based questionnaire to 120 Muslim Generation Z respondents who use paylater in Medan City. Data analysis was carried out using multiple linear regression tests using SPSS statistical software, with instrument validity and reliability tests that have been carried out previously. The results of the study indicate that lifestyle and the use of paylater have a positive and significant effect on the consumption behavior of Generation Z. A positive relationship, so that this modern lifestyle and hedonistic attitude ultimately increase excessive consumption behavior. Therefore, the importance of Islamic Economic literacy in fostering responsible consumption behavior in the digital era.
Co-Authors Ade Vitria Atika Atika Nur Aprillia Nursantri Yanti