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All Journal El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Yafenia Putri Tirta Biru
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Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Analisis Motif Tren PayLater pada Kalangan Anak Muda di Kota Solo dalam Perspektif Syariah Yafenia Putri Tirta Biru; Mufti Arief Arfiansyah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 6 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i6.7380

Abstract

The Indonesian government declares an increase in NPF of BNPL distribution to young people. This study aims to determine the effect of life needs, lifestyle, peer attachment, and sharia financial literacy on paylater usage decisions among young people in Solo. This study employs quantitative methodology, employing path analysis with SPSS version 27 as the data analysis tool. The research population consisted of Solo-domiciled Muslims aged 19-34 years who have used paylater at least once. Sourced the data used in this study using primary data obtained from distributing questionnaires to 100 respondents. The result of this study indicates that life needs, peer attachment, and sharia financial literacy all significantly improve the decision to use PayLater. Lifestyle, however, has no bearing on the decision to use PayLater. Despite this, the separate factors influence PayLater usage decisions at the same time.
Analisis Motif Tren PayLater pada Kalangan Anak Muda di Kota Solo dalam Perspektif Syariah Yafenia Putri Tirta Biru; Mufti Arief Arfiansyah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 6 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i6.7380

Abstract

The Indonesian government declares an increase in NPF of BNPL distribution to young people. This study aims to determine the effect of life needs, lifestyle, peer attachment, and sharia financial literacy on paylater usage decisions among young people in Solo. This study employs quantitative methodology, employing path analysis with SPSS version 27 as the data analysis tool. The research population consisted of Solo-domiciled Muslims aged 19-34 years who have used paylater at least once. Sourced the data used in this study using primary data obtained from distributing questionnaires to 100 respondents. The result of this study indicates that life needs, peer attachment, and sharia financial literacy all significantly improve the decision to use PayLater. Lifestyle, however, has no bearing on the decision to use PayLater. Despite this, the separate factors influence PayLater usage decisions at the same time.
Co-Authors Mufti Arief Arfiansyah