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All Journal Economics and Business Journal Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan
ramli, sri muliyani
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Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media

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Sri M. R ANALISIS AKAD WAKALAH BIL UJRAH TERHADAP TRANSAKSI BRILINK DITINGKAT AGEN. ramli, sri muliyani
Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan (Islamic Science) Vol 2 No 7 (2024): Special Issue: Islamic Contemporary Transaction
Publisher : IAIN Parepare

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Abstract

This research analyzes the application of the wakalah bil ujrah contract in determining tariffs on BRILink transactions. The aim of this research is to describe the determination of tariffs on BRILink transactions and analyze the practice of wakalah bil ujrah contracts on BRILINK transactions. This study uses a qualitative method. Data collection was carried out using interviews. Research findings show that setting rates for BRILink transactions at the agent level reflects the principles of transparency and compliance with the regulations stipulated in the contract. BRILINK agents are required to notify customers of transaction fees before the transaction is carried out and information regarding fees must be clearly and openly available at each agent.
The Influence Of Lifestyle And Self-Control On The Consumptive Behavior Of Shopee Paylater Users In Context of Shariah Accounting Principles Ramli, Sri Muliyani; Rezki Fani; Andi Bahri S; Trian Fisman Adisaputra
Economics and Business Journal (ECBIS) Vol. 4 No. 3 (2026): March
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i3.325

Abstract

This study is motivated by the rapid development of digital financial services, particularly Shopee PayLater, which has the potential to increase consumerist behaviour among students. This phenomenon requires examination not only from economic and psychological perspectives, but also from the perspective of Islamic accounting, which emphasises balance and control over consumption. This study aims to analyse the influence of lifestyle and self-control on the consumer behaviour of Shopee PayLater users and to test the role of Islamic accounting principles as a moderating variable. This study employs a quantitative approach. Data were collected via a Likert-scale questionnaire distributed to students and analysed using Partial Least Squares-based Structural Equation Modelling (SEM-PLS) with the SmartPLS application version 4.1.1.6. The results indicate that lifestyle has a positive and significant influence on consumer behaviour, whilst self-control does not have a significant influence. Sharia accounting principles have a direct and significant influence on consumptive behaviour, but are unable to moderate the relationship between lifestyle or self-control and consumptive behaviour. These findings suggest that consumer behaviour is influenced more by external factors such as lifestyle and the convenience of digital services than by internal factors within the individual, and indicate that Sharia values have not yet been fully integrated into everyday life.
Co-Authors Andi Bahri S Rezki Fani Trian Fisman Adisaputra