PENGARUH PENDAPTAN DAN GAYA HIDUP ISLAM TERHADAP PERILAKU KONSUMTIF DALAM PENGGUNAAN SHOPEE PAYLATER (STUDI DI KECAMATAN SETIABUDI)

Authors

  • Hasnawi Erwan Universitas Sultan Ageng Tirtayasa
  • Mohammad Mukhsin Universitas Sultan Ageng Tirtayasa
  • Mohamad Ainun Najib Universitas Sultan Ageng Tirtayasa

DOI:

https://doi.org/10.30651/jms.v11i4.30245

Abstract

Perkembangan teknologi digital mendorong meningkatnya penggunaan layanan paylater, termasuk Shopee PayLater, yang berpotensi memicu perilaku konsumtif masyarakat modern. Penelitian ini bertujuan menganalisis pengaruh pendapatan dan gaya hidup Islam terhadap perilaku konsumtif pengguna Shopee PayLater di Kecamatan Setiabudi. Metode penelitian menggunakan pendekatan kuantitatif dengan survei terhadap 100 responden. Analisis regresi linear berganda menunjukkan bahwa pendapatan (X1) dan gaya hidup Islam (X2) berpengaruh negatif dan signifikan terhadap perilaku konsumtif (Y), dengan persamaan regresi Y = 32,509 – 0,409X1 – 0,502X2. Nilai R² sebesar 0,505 mengindikasikan bahwa 50,5% perilaku konsumtif dipengaruhi kedua variabel tersebut.

Published

2026-07-20

How to Cite

Erwan, H., Mukhsin, M., & Ainun Najib, M. (2026). PENGARUH PENDAPTAN DAN GAYA HIDUP ISLAM TERHADAP PERILAKU KONSUMTIF DALAM PENGGUNAAN SHOPEE PAYLATER (STUDI DI KECAMATAN SETIABUDI). Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 11(4). https://doi.org/10.30651/jms.v11i4.30245

Issue

Vol. 11 No. 4 (2026)

Section

Artikel

License

The Authors submitting a manuscript do so on the understanding that if accepted for publication, copyright of the article shall be assigned to Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya as publisher of the journal.

Copyright encompasses exclusive rights to reproduce and deliver the article in all form and media, including reprints, photographs, microfilms and any other similar reproductions, as well as translations. The reproduction of any part of this journal, its storage in databases and its transmission by any form or media, such as electronic, electrostatic and mechanical copies, photocopies, recordings, magnetic media, etc., will be allowed only with a written permission from Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya.

Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya, the Editors and the Advisory Editorial Board make every effort to ensure that no wrong or misleading data, opinions or statements be published in the journal. In any way, the contents of the articles and advertisements published in the Tadarus are sole and exclusive responsibility of their respective authors and advertisers.

Rights of Authors
The Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah And Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya recognize the retention of the following:

  • Patent and trademark rights and rights to any process or procedure described in the article.
  • The right to photocopy or make single electronic copies of the article for their own personal use, including for their own classroom use, or for the personal use of colleagues, provided the copies are not offered for sale and are not distributed in a systematic way outside of their employing institution (e.g. via an e-mail list or public file server). Posting of an article on a secure network (not accessible to the public) within the author institution is permitted.
  • The right, subsequent to publication, to use the article or any part thereof free of charge in a printed compilation of works of their own, such as collected writings or lecture notes.