THE IMPACT OF SHOPEE PAYLATER USER’S FINANCIAL BEHAVIOR FROM SHARIA PERSPECTIVE

Sri Eka Astutiningsih; Sri Dwi Estiningrum; Lutfiah Intan Shadidah

Sri Eka Astutiningsih Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung
Sri Dwi Estiningrum Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung
Lutfiah Intan Shadidah Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung

Abstract

The study examines the impact of loan size and financial risk-taking on the financial behavior of Shopee PayLater users and the alignment of this behavior with Sharia principles. Employing a quantitative method with a descriptive approach and statistical analysis, the primary data was collected through questionnaires distributed to UIN Sayyid Ali Rahmatullah Tulungagung students. The findings highlight a simultaneous positive and significant effect of loan size and financial risk-taking on the financial behavior of Shopee PayLater users, along with a partial positive and significant influence of these factors. Furthermore, the suitability of the financial behavior of Shopee PayLater users from a Sharia perspective is evaluated based on the regulations outlined in the Al-Qur’an and Hadith, particularly regarding shopping, consumption, and debt.

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