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All Journal IIJSE An Najah (Jurnal Pendidikan Islam dan Sosial Keagamaan)
Nurhidayah Nurhidayah
Universitas Islam Negeri Alauddin Makassar, Indonesia
Religion Humanities Economics, Econometrics & Finance Social Sciences

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The Effect of Sharia Financial Literacy and Risk Perception on the Intention to Use Shopee Paylater in Generation Z with Religiosity as a Moderating Variable (A Study on UIN Alauddin Makassar Students) Nurhidayah Nurhidayah; Saiful Muchlis; Nasrullah Bin Sapa
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7806

Abstract

This study aims to analyze the influence of Sharia financial literacy and risk perception on the intention to use Shopee PayLater among Generation Z students at UIN Alauddin Makassar, as well as to evaluate the role of religiosity as a moderating variable in this relationship. A quantitative approach using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method was employed. The sample consisted of 210 respondents, determined based on Hair’s conservative sample size approach. Data were collected through a questionnaire covering the variables of Sharia financial literacy, risk perception, intention to use, and religiosity. The results showed that Sharia financial literacy had no significant effect on the intention to use Shopee PayLater. In contrast, risk perception had a significant negative effect, indicating that the higher the risk perception, the lower the intention to use the service. The interaction between religiosity and Sharia financial literacy, as well as between religiosity and risk perception, did not show a significant moderating effect on the intention to use Shopee PayLater. Therefore, religiosity does not moderate the relationship between Sharia financial literacy or risk perception and the intention to use Shopee PayLater. This study provides theoretical contributions to the development and deeper understanding of Sharia financial literacy, risk perception, intention to use, and religiosity in the context of using PayLater-based digital financial services.
MEWUJUDKAN SEKOLAH YANG AMAN DAN POSITIF MELALUI EDUKASI ANTI-BULLYING Amanda Maharani; Dwi Astinadira; Nurhidayah Nurhidayah; Tri Gina Nasyifa; A. Syahrani R; Ariqa Fauzia; Muhammad Rusmin B
An Najah (Jurnal Pendidikan Islam dan Sosial Keagamaan) Vol. 5 No. 5: September 2026
Publisher : Najah Bestari

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Abstract

Bullying merupakan salah satu permasalahan yang dapat menghambat terciptanya lingkungan sekolah yang aman, nyaman, dan mendukung perkembangan peserta didik. Penelitian ini membahas edukasi anti-bullying sebagai upaya untuk meningkatkan pemahaman peserta didik mengenai bentuk, dampak, pencegahan, dan penanganan bullying di lingkungan sekolah. Penelitian ini bertujuan untuk memberikan pemahaman kepada peserta didik mengenai pentingnya membangun interaksi sosial yang positif serta menumbuhkan sikap saling menghargai, peduli, dan berempati. Metode yang digunakan adalah pendekatan deskriptif melalui kegiatan sosialisasi dan edukasi anti-bullying kepada peserta didik. Kegiatan dilaksanakan melalui penyampaian materi, diskusi, serta pemberian contoh situasi yang berkaitan dengan perilaku bullying. Hasil kegiatan menunjukkan bahwa edukasi anti-bullying dapat meningkatkan kesadaran peserta didik mengenai dampak negatif bullying dan pentingnya menciptakan hubungan sosial yang sehat di lingkungan sekolah. Kegiatan ini juga mendorong peserta didik untuk lebih memahami pentingnya menghormati perbedaan dan berperan aktif dalam mencegah terjadinya bullying. Penelitian ini berkontribusi dalam mendukung terciptanya lingkungan sekolah yang positif, aman, dan inklusif melalui penguatan kesadaran serta karakter peserta didik.
Co-Authors A. Syahrani R Amanda Maharani Ariqa Fauzia Dwi Astinadira Muhammad Rusmin B Nasrullah Bin Sapa Saiful Muchlis Tri Gina Nasyifa