LOFIA, ALMAIKA (2025) PENGARUH PRICE DISCOUNT, LIFESTYLE, RELIGIUSITAS DAN PENGETAHUAN RIBA TERHADAP KEPUTUSAN PEMBELIAN MENGGUNAKAN SHOPEE PAYLATER (Studi Pada Masyarakat Generasi Z Kampung Jiput). S1 thesis, Universitas Sultan Ageng Tirtayasa.
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Abstract
Shopee PayLater (SPayLater) is one of the technology-based online loan service innovations that has been increasingly popular among the public. This study aims to determine how discounts, lifestyle, religiosity, and consumer awareness influence the purchasing decisions of Generation Z users of SPayLater in Jiput Village. A purposive sampling technique—sampling based on predetermined criteria—was used in this study along with a quantitative approach. The research sample consisted of 76 respondents. A Likert scale was used as the testing instrument, and a questionnaire served as the data collection method. The partial test results (t-test), with a calculated t-value of 3.274 > t-table value of 1.994 and a significance level of 0.002 < 0.05, indicate that the discount variable significantly influences purchasing decisions among SPayLater users. With a significance level of 0.167 > 0.05 and a t-value of -1.396 < 1.994, lifestyle has no effect on purchasing decisions. Similarly, religiosity shows no significant influence, with a significance level of 0.469 > 0.05 and a t-value of -0.726 < 1.994. Meanwhile, awareness of usage significantly affects purchasing decisions using SPayLater, with a t-value of 3.058 > 1.994 and a significance level of 0.003 < 0.05. Overall, discounts, lifestyle, religiosity, and awareness of usage all have a significant influence on purchasing decisions using SPayLater among Generation Z in Jiput Village. The simultaneous test results (F-test) show that the calculated F-value exceeds the F-table value (6.216 > 2.50) with a significance level of 0.000 < 0.05.
| Item Type: | Thesis (S1) | |||||||||
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| Additional Information: | Shopee PayLater (SPayLater) merupakan salah satu inovasi layanan pinjaman online berbasis teknologi yang semakin diminati masyarakat. Penelitian ini bertujuan untuk mengetahui bagaimana diskon, gaya hidup, agama, dan kesadaran konsumen memengaruhi keputusan pembelian SPayLater Generasi Z di Kampung Jiput. Pengambilan sampel purposif, yaitu strategi pengambilan sampel berdasarkan kriteria yang telah ditentukan, digunakan dalam penelitian ini bersamaan dengan pendekatan kuantitatif. Sampel penelitian berjumlah 76 responden. Skala Likert digunakan sebagai instrumen uji dan kuesioner digunakan sebagai metode pengumpulan data. Hasil penelitian parsial (uji-t), dengan nilai t hitung 3,274 > t tabel 1,994 dan signifikansi 0,002 < 0,05, menunjukkan bahwa variabel diskon secara signifikan memengaruhi keputusan pembelian pengguna SPayLater. Dengan tingkat signifikansi 0,167 > 0,05 dan nilai t -1,396 < 1,994, gaya hidup tidak berpengaruh terhadap keputusan pembelian. Dengan signifikansi 0,469 > 0,05 dan nilai t -0,726 < 1,994, religiusitas juga tidak memiliki pengaruh yang nyata. Sementara itu, dengan nilai t 3,058 > 1,994 dan tingkat signifikansi 0,003 < 0,05, keputusan pembelian menggunakan SPayLater secara signifikan dipengaruhi oleh kesadaran penggunaan. Diskon, gaya hidup, religiusitas, dan pengetahuan penggunaan semuanya berpengaruh signifikan terhadap keputusan pembelian menggunakan SPayLater pada Generasi Z di Desa Jiput. Hasil studi simultan (uji f) memiliki nilai F hitung > F tabel (6,216 > 2,50) dan tingkat signifikansi (0,000 < 0,05). | |||||||||
| Uncontrolled Keywords: | Lifestyle, Knowledge of Riba, Price Discount, Purchasing Decision, Religiosity, Shopee PayLater. Gaya Hidup, Keputusan Pembelian, Pengetahuan Riba, Potongan Harga, Religiusitas, Shopee PayLater | |||||||||
| Subjects: | H Social Sciences > HB Economic Theory | |||||||||
| Divisions: | 05-Fakultas Ekonomi dan Bisnis > Program Sarjana Ekonomi Syariah 05-Fakultas Ekonomi dan Bisnis |
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| Depositing User: | Unnamed user with email [email protected] | |||||||||
| Date Deposited: | 31 Oct 2025 07:57 | |||||||||
| Last Modified: | 31 Oct 2025 07:57 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/55678 |
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