Perilaku Konsumtif Penggunaan Online Shopping dan Sistem Pay Later dalam Perspektif Ekonomi Islam

Abstract

This study analyzes and finds out the consumptive behavior of the community in using online shopping through the pay later system law in the perspective of Islamic economics in Indonesian society. This research was conducted through a quantitative survey method with the data analysis process analyzing respondents' answers to the distributed survey because this method reveals factual data based on the experiences of the respondents. This research was conducted quantitatively by conducting surveys and research data presented in the form of graphic images and accompanied by descriptions. The data analysis process is carried out by analyzing respondents' answers to the distributed survey because the method applied by the researcher will reveal data based on the reality of information according to the disclosure of respondents according to the circumstances experienced. The results of the study state that the law of the pay later system in an Islamic economic perspective depends on its use, whether it contains harm or not. The pay later system can be said to be haram if it contains things that are prohibited by Allah SWT, such as usury, gharar, and other harmful things. However, if the pay later system provides benefits, is relevant to the Islamic economy, and does not contain elements of harm such as usury, then the law is allowed.

Purchase Decision: Do the Paylater Ease and Consumer Satisfaction Affect It? (Case Study on Shopee Paylater and Gojek Paylater)

“…The ease of registration and use of PayLater is a factor for consumers to make product purchase decisions. Shopee paylater gives its users an interest rate of 2.95% every month (Khairunnisa et al, 2022). This is also stated by Damayanti & Canggih (2021) that Shopee Paylater provides bill payment terms to its users starting from a tenor of 1 month to 12 months with a relatively low interest rate of 0% -2.95%.…”

“…At Shopee Paylater, the available payment tenors are 1 month to 12 months with an interest rate of 0% -2.95% (Damayanti & Canggih, 2021). Rahayu Khairunnisa (2022) states that the terms of interest rate payments are based on the length of the payment tenor chosen by the user. The interest rate is 0% for a tenor of 1 month and 2.95% for a tenor of 2 months or more.…”

Sisi Gelap Investasi: Menghindari Kebangkutan Pada Investasi dan Pembayaran Kekinian

“…Semakin mudahnya beberapa bentuk pembayaran digital ini menyebabkan masyarakat terjebak pada kemudahan yang ditawarkan berbagai aplikasi pinjaman online maupun (Khairunnisa et al, 2022;Lia & Natswa, 2021;Pratika et al, 2021), dimana orang bisa mendapatkan apapun yang diam atau tanpa perlu membayar terlebih dahulu dan akhirnya terjebak karena kurangnya pengetahuan mengenai literasi digital. Tidak hanya itu, perkembangan fintech juga merambah pada berbagai bentuk investasi yang dikemas secara digital seperti investasi kripto, NFT, saham dan lain-lain.…”

Pengaruh Fitur Paylater terhadap Sifat Belanja yang Konsumtif pada Remaja di Kota Batam

“…Menurut (Wardah & Harti, 2021) Gaya hidup berbelanja berasal dari kebiasaan berbelanja dalam kehidupan sehari hari, aktivitas berbelanja yang tinggi dapat mengubah kebutuhan konsumsi gaya hidup menjadi tinggi. Dengan mudahnya mengakses dan menggunakan pembelanjaan Online melalui e-commerce, hal ini menyebabkan pengaruh besar terhadap gaya belanja kehidupan sehari hari (Khairunnisa & Rahman, 2022). Banyaknya produk yang disediakan di e-commerce juga akan menjadi faktor utama perilaku impulsif karena dapat membuat konsumen untuk membeli secara spontan & reflek (Wahyuni & Setyawati, 2020) dan (Angela & Paramita, 2020) (Prastiwi & Fitria, 2021).…”