ANALISIS PERILAKU KONSUMEN GENERASI Z BOJONEGORO DALAM MENGGUNAKAN SHOPEE PAYLATER DI ERA DIGITALISASI PERSPEKTIF EKONOMI SYARIAH
Abstract
Generation Z Bojonegoro is increasingly interested in internet-based financial services such as Shopee PayLater, due to technological advances and the digitalization of the era. However, the use of this service tends to encourage consumptive behavior without considering long-term financial aspects and sharia economic principles. The purpose of this study is to see how Gen Z uses PayLater from a sharia economic perspective. Data collected through observation and interviews, and using a descriptive qualitative approach. The results of the study show that most users use PayLater to fulfill their lifestyle, buy clothes and gadgets, but many of them experience consumptive behavior that can harm their finances in the long term. The use of this service has also not fully used the principles of sharia economics, especially in terms of the prohibition of usury. This study is expected to provide suggestions to improve Generation Z Bojonegoro's understanding of sharia finance and improve the application of sharia principles in PayLater services.
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