Article Per Year (5 Year)
p-Index From 2021 - 2026
8.653
P-Index
This Author published in this journals
All Journal JEJAK JAM : Jurnal Aplikasi Manajemen Jurnal Ekonomi & Studi Pembangunan An-Nisbah: Jurnal Ekonomi Syariah Asia-Pacific Management and Business Application SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS Buletin Ilmiah Litbang Perdagangan Shirkah: Journal of Economics and Business Ihtifaz: Journal of Islamic Economics, Finance, and Banking Jurnal Ilmiah Mandala Education (JIME) Jurnal Equity Journal of Indonesian Tourism, Hospitality and Recreation STI Policy and Management Journal JASF (Journal of Accounting and Strategic Finance) Journal of Enterprise and Development (JED) jurnal ilmiah hospitality Journal of Environmental Science and Sustainable Development AS-SABIQUN: Jurnal Pendidikan Islam Anak Usia Dini Journal of Economics Research and Social Sciences Asian Management and Business Review Journal of Marketing Innovation International Business and Accounting Research Journal Journal of Applied Sciences in Travel and Hospitality Jurnal Pariwisata Nusantara The South East Asian Journal of Management ASEAN Marketing Journal Journal Of Responsible Tourism Advances in Tourism Studies An-Nisbah: Jurnal Ekonomi Syariah Equity Advances in Tourism Studies Mabasan Khazanah Hukum JURNAL ECONETICA: Jurnal Sosial, Ekonomi Dan Bisnis Share
Azizurrohman, Muhammad
Sekolah Tinggi Pariwisata Mataram
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

Published : 65 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : share

 1 
Behavioral Drivers of Buy Now Pay Later Over-Indebtedness in Indonesia Marhaendro Purno; Muhammad Azizurrohman
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 15 No. 1 (2026): IN PROGRESS
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.0057

Abstract

The rapid growth of Buy Now Pay Later (BNPL) services in Indonesia have transformed consumer access to digital credit while simultaneously raising concerns regarding impulsive borrowing and financial vulnerability. This study examines the psychological, perceptual, and cultural determinants of BNPL borrowing behavior, focusing on the roles of dark pattern exposure, impulsive buying tendency, perceived usefulness, perceived risk, and Islamic financial literacy. A quantitative cross-sectional survey was conducted among 587 Indonesian BNPL users between April and June 2025. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings indicate that exposure to dark patterns significantly increases impulsive buying tendency and perceived usefulness while reducing perceived risk, leading consumers to develop more favorable attitudes toward BNPL. Impulsive buying tendency, perceived usefulness, and attitudes toward BNPL were found to positively influence over-indebtedness intention, which subsequently increases repayment distress. Mediation analysis confirms that attitudes and borrowing intentions function as important psychological mechanisms linking cognitive perceptions and behavioral outcomes. In addition, Islamic financial literacy weakens the effects of impulsiveness and favorable attitudes on over-indebtedness intention, suggesting its role as a moral and cognitive safeguard within the Indonesian context. The study extends behavioral finance and financial technology literature by integrating manipulative interface design and religiously grounded financial literacy into consumer borrowing models. The findings also highlight the importance of ethical fintech design, transparent digital credit regulation, and culturally embedded financial education to support sustainable financial inclusion and reduce consumer financial vulnerability. ABSTRAK - Faktor Perilaku dalam Over-Indebtedness Buy Now Pay Later di Indonesia. Perkembangan pesat layanan Buy Now Pay Later (BNPL) di Indonesia telah mengubah pola akses masyarakat terhadap kredit digital, sekaligus menimbulkan kekhawatiran terkait perilaku berutang impulsif dan meningkatnya kerentanan keuangan. Penelitian ini mengkaji faktor-faktor psikologis, perseptual, dan kultural yang memengaruhi perilaku penggunaan BNPL, dengan fokus pada paparan dark patterns, kecenderungan pembelian impulsif, persepsi kegunaan, persepsi risiko, serta literasi keuangan syariah. Penelitian ini menggunakan pendekatan kuantitatif dengan desain survei potong lintang terhadap 587 pengguna BNPL di Indonesia selama periode April–Juni 2025. Analisis data dilakukan menggunakan metode Partial Least Squares Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa paparan dark patterns secara signifikan meningkatkan kecenderungan pembelian impulsif dan persepsi kegunaan, serta menurunkan persepsi risiko, sehingga membentuk sikap yang lebih positif terhadap BNPL. Kecenderungan pembelian impulsif, persepsi kegunaan, dan sikap positif terhadap BNPL terbukti meningkatkan niat berutang berlebihan (over-indebtedness intention), yang selanjutnya memperbesar tekanan pembayaran (repayment distress). Analisis mediasi mengonfirmasi bahwa sikap dan niat berutang berperan sebagai mekanisme psikologis penting yang menghubungkan persepsi kognitif dengan dampak keuangan yang merugikan. Selain itu, literasi keuangan syariah terbukti memperlemah pengaruh impulsivitas dan sikap positif terhadap niat berutang berlebihan, sehingga berfungsi sebagai pelindung moral dan kognitif dalam konteks masyarakat Indonesia. Penelitian ini memperluas kajian behavioral finance dan teknologi keuangan dengan mengintegrasikan desain antarmuka manipulatif dan literasi keuangan berbasis nilai keagamaan ke dalam model perilaku utang konsumen. Temuan ini menegaskan pentingnya desain fintech yang etis, regulasi kredit digital yang transparan, serta edukasi keuangan yang berakar pada nilai budaya untuk mendukung inklusi keuangan yang berkelanjutan dan mengurangi kerentanan keuangan konsumen.
Co-Authors Abdul Haris Agusman Aini, Yulis Nurul Alip Suroto Aliza Hari Tanthowy Aminy, Muhammad Muhajir Ander Sriwi, Ander Andi Irwan Andi Tenry Sose Asrianto, Asrianto Baiq Elbadriati Bawazir, Fatmah Cholid Budi, Rosdinaman Calvin Faza Deasy Silvya Sari Denny Bernardus Dessy Adelin Dewi Mustikasari Immanuel Donny Juliandri Prihadi Dova Novita Eka Kadharpa Eka Kadharpa Utama Dewayani Eka Kadharpa, Eka El-badriati, Baiq Eric Harianto Erri Supriyadi Faiza Husnayeni Nahar Faiza Husnayeni Nahar Faiza Husnayeni Nahar Fatmasari Fatmasari Faza, Calvin Gapari, Muhamad Zaril Gatot Suhirman Gatot Suhirman Ginting, Yanti Mayasari Gladys Greselda Gosal Gunawan Bata Ilyas Habibi, Putrawan Hariono Hariono Hasanuddin Remmang, Hasanuddin Hatidja, St. Herminawati Abubakar, Herminawati Hernita, Hernita Hulfa, Ihyana Husna Karimah I Wayan Bratayasa Ida Nyoman Tri Darma Putra Ilmi, Sayyidah Hafidhatul Isrososiawan, Safroni Iwan Perwira Jamaliah Said Jamaluddin Jamaluddin Jamaluddin Jintan, Andam Rani Johari, Muhamad Jonnardi, Jonnardi Jumriani, Jumriani Junko Alessandro Effendy Kapriani Kapriani, Kapriani Khairul Hamim Ladung, Fajar Lalu R. Ibnu Lia Rosida Lin, Yih-Ming Mahsar Marhaendro Purno Marniatun Marniatun Mas'ud, Riduan Mashar Mashun, Mashun Masud, Riduan Mas’ud, Riduan Menny, Alviano Herbert Mohamad Najmudin Mufti Alam Adha Muhamad Ali Muhamad Yusup Muhammad Iskandar Muhammad Johari Muhammad Syafari Muhammad Syamsurrijal Mujahida, Sitti Ni Luh Sueni Ni Luh Sueni Widyanti Ni Putu Hendri Widiartini Novi Primita Sari Putra, Ida Nyoman Tri Darma Putrawan Habibi Riduan Mas'ud Riduan Mas'ud Riduan Masud Riduan Mas’ud Riqfi, Husni Muhammad Risky Angga Pramuja Rizal Pratama, Rizal Rizal Rizal Pratama Rizky Angga Pramuja Romi Bhakti Hartarto Sabar Sabar Septriani Septriani Sitti Mujahida Baharuddin Sri Ayu Lestari Sri Budi Cantika Yuli St. Hatidja suardi suardi Sudiyanti Sudiyanti Supiandi Supiandi Supiandi Supiandi Supiandi, Supiandi Suroto, Alip Sutanto, Verrell Syafari, Muhammad Syahribulan Syahribulan, Syahribulan Syahruddin Syahruddin Tawakkal Baharuddin Teofilus Teofilus, Teofilus Thaha, Salmiyah Thomas Stefanus Kaihatu Tiong, Piter Toreh, Fabio Ricardo Ulfi, Izzani Umi Farida Uwi Martayadi Uwi Murtayadi Wahyu Khalik Wang, Tz-Li Wibisono, Leonard Junio Wiwik Handayani Yadi Arodhiskara, Yadi Yasri Tarawiru Yoseva Maria Pujirahayu Sumaji Yulendra, Lalu Yulia Nur Hasanah Yusuf Setiawan Al-Qusyairi Zainal Arifin Zainal Arifin Zaitun, Cakra