Main Article Content
Abstract
Purpose – This research examines the relationship between intrinsic religiosity, financial literacy, intention to use BNPL, and their combined effect on the growing purchasing behavior of Jakarta’s youth.
Design/methodology/approach – The study used a quantitative method with self-administered questionnaires provided to the target demographic in Jakarta. We also proposed a conceptual model that examines the connection between financial literacy and unrestrained purchasing behavior, intrinsic religiosity, and intention to use BNPL. Statistical techniques are applied to the collected data and for hypothesis testing.
Findings – Initial results indicate that intrinsic religiosity and financial literacy are positively correlated, and research found a favorable correlation between the likelihood of unconstrained buying behavior and the intention to use BNPL.
Research limitations/implications – Because a student sample was used and only a few respondents were included in the study, the findings may have wider applicability.
Practical implications – The study emphasizes how important financial literacy is among young consumers, especially with relation to religious values and beliefs.
Originality/value – While existing research rarely considers the specific influence of religious values, the novelty of the research lies in its focus on combining intrinsic religiosity and financial literacy when unrestrained buying behavior with Buy-Now-Pay-Later (BNPL) services.
Keywords
Article Details
Copyright (c) 2025 Farhan Furqan, Christian Haposan Pangaribuan, Santo Tjhin, Calista Luhur
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References
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References
Abed, S. S., & Alkadi, R. S. (2024). Sustainable Development through Fintech: Understanding the Adoption of Buy Now Pay Later (BNPL) Applications by Generation Z in Saudi Arabia. Sustainability, 16(15), 6368. https://doi.org/10.3390/su16156368
Aisjah, S. (2024). Intention to use Buy-Now-Pay-Later Payment System Among University Students: A Combination of Financial Parenting, Financial Self-Efficacy, and Social Media Intensity. Cogent Social Sciences, 10(1). https://doi.org/10.1080/23311886.2024.2306705
Ajzen, I. (1991). The Theory of Planned Behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T
Ajzen, I., & Fishbein, M. (2005). The Influence of Attitudes on Behavior. In The handbook of attitudes (Vol. 173, pp. 173–221).
Allport, G. W., & Ross, J. M. (1967). Personal Religious Orientation and Prejudice. Journal of Personality and Social Psychology, 5(4), 432–443. https://doi.org/10.1037/h0021212
Amissah, E., & Świerczyńska, K. (2021). Is Religion a Determinant of Financial Development? International Advances in Economic Research, 27(3), 233–247. https://doi.org/10.1007/s11294-021-09835-2
Antonious, M., & Tarigan, A. (2023). PENGARUH SALES PROMOTION TERHADAP REPURCHASE INTENTION MELALUI IMPULSIVE BUYING PENGGUNA SHOPEE. Digismantech (Jurnal Program Studi Bisnis Digital), 3, 1–14. https://doi.org/10.30813/digismantech.v3i1.5217.g2905
Ashqar, R. I., & Lobão, J. (2024). Does Religion Influence the Household Finance? Evidence from Europe. Studies in Economics and Finance, 41(2), 286–311. https://doi.org/10.1108/SEF-02-2022-0107
Bagozzi, R. P. (1992). The Self-Regulation of Attitudes, Intentions, and Behavior. Social Psychology Quarterly, 55(2), 178. https://doi.org/10.2307/2786945
Brune, L., Chyn, E., & Kerwin, J. (2021). Pay Me Later: Savings Constraints and the Demand for Deferred Payments. American Economic Review, 111(7), 2179–2212. https://doi.org/10.1257/aer.20191657
Chiew Shi Wee, Mohd Shoki Bin Md. Ariff, Norhayati Zakuan, & Muhammad Naquib Mohd Tajudin. (2014). Consumers Perception, Purchase Intention and Actual Purchase Behavior of Organic Food Products . Review of Inntegrative Business and Economics Research, 3, 378–397.
Chowdhury, R. M. M. I. (2018). Religiosity and Voluntary Simplicity: The Mediating Role of Spiritual Well-Being. Journal of Business Ethics, 152(1), 149–174. https://doi.org/10.1007/s10551-016-3305-5
Christian, M., & Agung, H. (2020). Urban Consumer Behavior On Buying Multi-Products On Shopee Using Technology Acceptance Model (TAM). WIDYAKALA: JOURNAL OF PEMBANGUNAN JAYA UNIVERSITY, 7(2), 54. https://doi.org/10.36262/widyakala.v7i2.337
Clarence, J., & Pertiwi, D. (2023). Financial Management Behavior Among Students: The Influence Of Digital Financial Literacy. International Journal of Financial and Investment Studies (IJFIS), 4(1), 9–16. https://doi.org/10.9744/ijfis.4.1.9-16
Dimas Bagus Wiranatakusuma. (2023). Educational Programs For Financial Planning in Jogahan Village, Kulon Progo, Yogyakarta. Journal on Education, 6, 9295–9306.
Fasyni, A. (2024). The Role of Religious Commitment, Collectivism, and Long-Term Orientation in Consumer Impulse Buying. International Research Journal of Business Studies, 16(1), 43–52. https://doi.org/10.21632/irjbs.16.1.43-52
Fendy Cuandra. (2022). The Effect of Paylater Payment Method Used in Online Impulsive Buying in Batam City. Journal of Management and Business, 5, 625–633.
Feng, L., Teng, J.-T., & Zhou, F. (2023). Pricing and Lot-Sizing Decisions on Buy-Now-and-Pay-Later Installments Through a Product Life Cycle. European Journal of Operational Research, 306(2), 754–763. https://doi.org/10.1016/j.ejor.2022.08.010
Habib, M. D., Batool, N., & Hassan, M. (2020). Religiosity and Impulsive Buying Tendencies: A model and Empirical Application. Journal of Islamic Business and Management (JIBM), 10(01). https://doi.org/10.26501/jibm/2020.1001-014
Hair, J. F., Hult, G. T. M., Ringle, C. M., Sarstedt, M., Danks, N. P., & Ray, S. (2021). Partial Least Squares Structural Equation Modeling (PLS-SEM) Using R. Springer International Publishing. https://doi.org/10.1007/978-3-030-80519-7
Iosif Rivis-Tipei. (2023). The Role of Religion in Contemporary Society – Mapping a Research Itinerary. Rais Journal for Social Sciences, 7, 113–119.
Jeff Fromm, & Angle Read. (2018). Marketing to Gen-Z: The rules for reaching this Vast--and Very Different--Generation of Influencers. Amacom.
Jiang, W., Chai, H., Shao, J., & Feng, T. (2018). Green Entrepreneurial Orientation for Enhancing Firm Performance: A Dynamic Capability Perspective. Journal of Cleaner Production, 198, 1311–1323. https://doi.org/10.1016/j.jclepro.2018.07.104
Jiatong, W., Murad, M., Bajun, F., Tufail, M. S., Mirza, F., & Rafiq, M. (2021). Impact of Entrepreneurial Education, Mindset, and Creativity on Entrepreneurial Intention: Mediating Role of Entrepreneurial Self-Efficacy. Frontiers in Psychology, 12. https://doi.org/10.3389/fpsyg.2021.724440
Johan, I., Rowlingson, K., & Appleyard, L. (2021). The Effect of Personal Finance Education on The Financial Knowledge, Attitudes and Behaviour of University Students in Indonesia. Journal of Family and Economic Issues, 42(2), 351–367. https://doi.org/10.1007/s10834-020-09721-9
Jung, J. H. (2022). Financial Hardship, Religious Experience, and Health. Review of Religious Research, 64(3), 521–537. https://doi.org/10.1007/s13644-022-00503-3
Karyatun, S. (2023). Linking Subjective Financial Well-Being and Compulsive Buying Behavior Among College Students: How Islamic Financial Literacy Makes Different. SERAMBI: Jurnal Ekonomi Manajemen Dan Bisnis Islam, 5(2), 119–134. https://doi.org/10.36407/serambi.v5i2.977
Khadijah, A., & Pangaribuan, C. H. (2023). The Age of Indulgence: An Online Impulsive and Compulsive Buying Analysis. Eighth International Conference on Informatics and Computing (ICIC), 1–6. https://doi.org/10.1109/ICIC60109.2023.10382051
Kurniati Karim, & Ahmad Hosen. (2020). The Impact of the Value of Religiosity on Buying Decision Making on the Overseas Bugis Community in Jambi. International Journal of Science, Technology & Management, 1(3), 138–144. https://doi.org/10.46729/ijstm.v1i3.35
Lam, L. T., & Lam, M. K. (2017). The Association Between Financial Literacy and Problematic Internet Shopping in a Multinational Sample. Addictive Behaviors Reports, 6, 123–127. https://doi.org/10.1016/j.abrep.2017.10.002
Laurinda, C. (2024). Unraveling The Factors Influencing Impulsive Buying Behavior Among Gen Z Using Shopee Paylater: A Quantitative Anaylsis. Asian Journal of Social and Humanities, 2(12), 2963–2982. https://doi.org/10.59888/ajosh.v2i12.411
Li, C., Xu, Y., Gill, A., Haider, Z. A., & Wang, Y. (2019). Religious Beliefs, Socially Responsible Investment, and Cost of Debt: Evidence from entrepreneurial firms in India. Emerging Markets Review, 38, 102–114. https://doi.org/10.1016/j.ememar.2018.12.001
Luqman Dzul Hilmi, & Yeyen Pratika. (2021). Paylater Feature: Impulsive Buying Driver For E-Commerce In Indonesia. International Journal of Economics, Business and Accounting Research, 5(2), 63–74.
Majid, R. (2021). The Role of Religiosity in Explaining the Intention to use Islamic FinTech Among MSME Actors. International Journal of Islamic Economics and Finance (IJIEF), 4(2). https://doi.org/10.18196/ijief.v4i2.11833
Martin Fishbein, & icek Ajzen. (1975). Belief, Attitude, Intention, and Behavior: An Introduction to Theory and Research (Vol. 27). Addison-Wesley Publishing Company.
Maryati, W., Hartini, S., & Premananto, G. C. (2020). The Role of Religiosity and Spirituality on Impulsive Buying. Al-Uqud : Journal of Islamic Economics, 5(1), 119–150. https://doi.org/10.26740/al-uqud.v5n1.p119-150
Nielsen.com. (2017, July). Nielsen Viewership Report: Q1 2017.
Ningtyas, M. N., & Vania, A. (2022). Materialism, Financial Literacy, and Online Impulsive Buying: A Study on the Post Millennial Generation in a Pandemic Period. Jurnal Manajemen Teori Dan Terapan | Journal of Theory and Applied Management, 15(1), 1–12. https://doi.org/10.20473/jmtt.v15i1.33774
Novitasari, E., & Pangaribuan, C. H. (2021). Does Religiosity Matter in Switching from Conventional to Islamic Insurance? Journal of Multidisciplinary Issues, 1(1), 8–21. https://doi.org/10.53748/jmis.v1i1.3
O’Brien, L., Ramsay, I., & Ali, P. (2024). Innovation, Disruption and Consumer Harm in the Buy Now Pay Later Industry: An Empirical Study. University of New South Wales Law Journal, 47(2). https://doi.org/10.53637/ZXAN7475
Patwary, A. K., Mohamed, M., Rabiul, M. K., Mehmood, W., Ashraf, M. U., & Adamu, A. A. (2022). Green Purchasing Behaviour of International Tourists in Malaysia using Green Marketing Tools: Theory of Planned Behaviour Perspective. Nankai Business Review International, 13(2), 246–265. https://doi.org/10.1108/NBRI-06-2021-0044
Rook, D. W., & Fisher, R. J. (1995). Normative Influences on Impulsive Buying Behavior. Journal of Consumer Research, 22(3), 305. https://doi.org/10.1086/209452
Salwa, S., Musadik, S., Abdul, I., & Azmi, G. (2017). A Conceptual Paper: The Effect Of Islamic Religiosity On Impulse Buying Behavior. https://doi.org/10.13140/RG.2.2.14823.60327
Sarofim, S., Minton, E., Hunting, A., Bartholomew, D. E., Zehra, S., Montford, W., Cabano, F., & Paul, P. (2020). Religion’s Influence on the Financial Well‐Being of Consumers: A Conceptual Framework and Research Agenda. Journal of Consumer Affairs, 54(3), 1028–1061. https://doi.org/10.1111/joca.12315
Schulte, P., & Liu, G. (2017). FinTech Is Merging with IoT and AI to Challenge Banks: How Entrenched Interests Can Prepare. The Journal of Alternative Investments, 20(3), 41–57. https://doi.org/10.3905/jai.2018.20.3.041
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