THE EFFECT OF KNOWLEDGE ABOUT RIBA ON THE DECISION TO USE SHOPEE PAYLATER IN THE PERSPECTIVE OF ISLAMIC ECONOMICS - Rini, Yulia Eka; Adawiyah, Sarah Robiatul; Lestari, Intan Sri (Universitas Suryakancana, 2025)
Perkembangan teknologi finansial telah menghadirkan layanan pembayaran digital seperti Shopee PayLater, yang semakin populer di kalangan masyarakat, termasuk mahasiswa Ekonomi Syariah di STAI Al-Ittihad Cianjur. Namun, penggunaan layanan ini menimbulkan dilema karena adanya unsur riba yang bertentangan dengan prinsip ekonomi Islam. Penelitian ini bertujuan untuk menganalisis pengaruh pengetahuan tentang riba terhadap keputusan mahasiswa menggunakan Shopee PayLater serta mengkajinya dalam perspektif ekonomi Islam. Penelitian menggunakan pendekatan kuantitatif dengan metode survei. Data dikumpulkan melalui kuesioner yang disebar kepada 90 mahasiswa STAI Al-Ittihad Cianjur dan dianalisis menggunakan regresi linier sederhana melalui SPSS. Hasil penelitian menunjukkan pengetahuan tentang riba berpengaruh negatif dan signifikan terhadap keputusan penggunaan Shopee PayLater dengan persamaan regresi Y = 23.165 – 0.143X. Namun, pengaruh tersebut tidak signifikan secara statistik, dengan nilai t hitung -1.156 < t tabel 1.664 dan signifikansi 0.250 > 0.05. Nilai R² sebesar 0,058 menunjukkan bahwa hanya 5,8% keputusan penggunaan dipengaruhi oleh pengetahuan tentang riba, sedangkan 94,2% dipengaruhi oleh faktor lain. Artinya, semakin tinggi pemahaman mahasiswa terhadap riba, semakin rendah mereka untuk menggunakan layanan tersebut. Penelitian ini menyimpulkan bahwa Shopee PayLater tidak sesuai dengan prinsip ekonomi Islam karena mengandung unsur riba. Implikasinya, edukasi terkait literasi keuangan syariah perlu ditingkatkan agar masyarakat lebih selektif dalam memilih layanan keuangan digital. The advancement of financial technology has introduced services such as Shopee PayLater, which have become increasingly popular among the public, including Sharia Economics students at STAI Al-Ittihad Cianjur. However, using this service creates a dilemma because it involves riba, which contradicts Islamic economic principles. This study aims to analyze the effect of knowledge about riba on students’ decisions to use Shopee PayLater and to examine it from the perspective of Islamic economics. This research used a quantitative, survey-based approach. Data were collected using questionnaires distributed to 90 students at STAI Al-Ittihad Cianjur and analyzed using simple linear regression in SPSS. The results of the study show that knowledge about riba has a negative and significant effect on the decision to use Shopee PayLater, as indicated by the regression equation Y = 23.165 – 0.143X. However, this effect is not statistically significant, as indicated by the calculated t-value of -1.156 < critical t-value of 1.664 and a significance value of 0.250 > 0.05. The R2 value of 0.058 indicates that only 5.8% of the decision to use Shopee PayLater is affected by knowledge of riba, while other factors account for the remaining 94.2%. This means that the higher the students’ understanding of riba, the lower their tendency to use the service. This study concludes that Shopee PayLater is not in accordance with the principles of Islamic economics because it contains elements of riba. The implication is that education related to Islamic financial literacy needs to be enhanced so that the public becomes more selective in choosing digital financial services.