The Effect of Payment Using Shopeepay Later on Islamic Consumption Behavior in the Millennial Generation

Main Article Content

Arum Teguh Fitriyani
Anton Bawono


The rapid development of technology and the many marketplaces that have mushroomed in Indonesia have made the millennial generation prefer to carry out activities on one hand. One way is to buy various necessities. One of the platforms that provides various community needs is Shopee. Shopee itself has many features, not only providing clothing and necessities but also providing various postpaid services, PBB, and so on. Shopee provides a payment feature, namely Shopeepay Later, where this feature functions almost the same as credit, but Shopee does not ask for any collateral so this feature helps the millennial generation to shop even if they don't have money. This research will discuss the influence of Shopeepay Later payments on Islamic consumption behavior in the millennial generation. This research is quantitative research using interval data types and primary data sources. From the results of this research, convenience, trust, and lifestyle simultaneously influence consumption behavior in the millennial generation, whereas convenience and trust do not influence Islamic consumption behavior in the millennial generation, while lifestyle variables influence consumption behavior in the millennial generation.


Download data is not yet available.

Article Details

How to Cite
Teguh Fitriyani, A., & Bawono, A. (2024). The Effect of Payment Using Shopeepay Later on Islamic Consumption Behavior in the Millennial Generation. J-CEKI : Jurnal Cendekia Ilmiah, 3(4), 1448–1458.


Anggraeny Putri, F., & Setyo Iriani, S. (2020). The Influence of Trust and Convenience on Online Purchasing Decisions Using Shopee Paylater Online Loans. Journal of Management Science, 8(3), 818.

Anur, CM (2023). Internet Users in Indonesia Reach 213 Million People by Early 2023. Databoks. (2019). Non-Cash Payment Instruments. (2020). Buy Now, Pay Later! Millennials Credit/Instalment Habit-Survey. Blog.Jakpat.Net.

CNNIndonesia. (2018). Reasons the Millennial Generation is More Consumptive. Generasi-millenial-besar-konsumt

Damayanti, FDW, & Sophisticated, C. (2021). The Influence of Using Shopeepay Later Payments on the Islamic Consumption Behavior of the Millennial Generation in Surabaya. Scientific Journal of Islamic Economics, 7(03), 1905–1915.

Darma, L.A., & Japarianto, E. (2014). Analysis of the Influence of Hedonic Shopping Value on Impulse Buying with Shopping Lifestyle and Positive Emotion as Intervening Variables at Ciputra World Mall Surabaya. Journal of Marketing Management, 8(2), 80–89.

Davis, F. (1989). Perceived Usefulness Perceived Ease of Use, and Users. MIA Quarterly. MIA Quarterly, 13(3), 319–340.

Giswandhani, M., & Hilmi, A.Z. (2020). The Influence of Ease of Non-cash Transactions on the Consumptive Attitudes of Makassar City People. KAREBA: Journal of Communication Studies, 9(2), 239–250.

GoodStats. (2023). Indonesian People's Choice Marketplace 2023. GoodStats. Choice-community-Indonesia-2023-MRPqc

Hidayatullah, S., Waris, A., & Devianti, RC (2018). Millennial Generation Behavior in Using Go-Food Applications. Journal of Management and Entrepreneurship, 6(2), 240–249.

Mahdiyan, A. (2019). The Influence of Lifestyle and In-Store Promotion on Impulse Buying (Study of Matahari Department Store Java Mall Semarang Consumers). Journal of Business Administration, 8, 1–11.

Mannan, M. A., & Sonhadji, H. (1977). Theory and practice of Islamic economics. Prima Yata Bhakti Fund.

Morgan, R. M., & Hunt, S. D. (1994). The Commitment-Trust Theory of Relationship Marketing. Journal of Economic Theory, 56(2), 20–38.

Pavlou, P. A. (2003). Consumer acceptance of electronic commerce: Integrating trust and risk with the technology acceptance model. International Journal of Electronic Commerce, 7(3), 101–134. 275

Prastiwi, IE, & Fitria, TN (2021). The Concept of Paylater Online Shopping from an Islamic Economic View. Scientific Journal of Islamic Economics, 7(1), 452.

Rafidah, I., & Djawoto. (2019). Security Analysis, Ease, and Trust in Online Purchasing Decisions at Lazada. Journal of Management Science and Research, 6, 1–17.

Rahmad, A., Astuti, E., & Riyadi, R. (2017). THE INFLUENCE OF CONVENIENCE ON CONFIDENCE AND USE OF SMS BANKING (Study among Students of the Department of Business Administration, Brawijaya University). Brawijaya University Undergraduate Business Administration Journal, 43(1), 36–43. (2021). Most Consumers Use Pay later on Shopee.

Ritonga, HRDA (2010). Consumption Patterns from an Islamic Economic Perspective. Economist's Journal. Economist's Journal, 13(3).

Sarwono. (2009). ANALYSIS OF CONSUMER BEHAVIOR FROM AN ISLAMIC ECONOMIC PERSPECTIVE. Journal of Agricultural Innovation, 8, 41–53.

Shopee. (2023). Shopee.

Sukma, MN, & Sophisticated, C. (2021). The Influence of Electronic Money, Lifestyle and Self-Control on Islamic Consumption Behavior. Scientific Journal of Islamic Economics, 7(1), 209.

Sumarwan. (2012). Consumer Behavior Theory and Its Application in Marketing. Ghalia Indonesia.

Similar Articles

You may also start an advanced similarity search for this article.