Korelasi Pemahaman Riba dengan Perilaku Penggunaan Paylater di Kalangan Mahasiswa STIES Saleh Budiman Tasikmalaya

Gilang Muhammad Fajri Faresi; Siti  Aisah; Rully  Aglira; Cacu Joni Iryanto; Ali Anhar Syi’bul  Huda

Authors

Gilang Muhammad Fajri Faresi STIES Saleh Budiman Tasikmalaya Author
Siti Aisah STIES Saleh Budiman Tasikmalaya Author
Rully Aglira STIES Saleh Budiman Tasikmalaya Author
Cacu Joni Iryanto STIES Saleh Budiman Tasikmalaya Author
Ali Anhar Syi’bul Huda Sekolah Tinggi Ilmu Ekonomi Syari’ah (STIES) Saleh Budiman Tasikmalaya Author

Keywords:

Knowledge-Behavior Gap, Islamic Financial Literacy, Paylater, Riba

Abstract

The rapid growth of Paylater services among university students is not always accompanied by adequate understanding of Islamic financial principles, particularly regarding riba (usury). This study aims to analyze the correlation between riba comprehension and Paylater usage behavior among students of STIES Saleh Budiman, as well as to identify the knowledge-behavior gap phenomenon. A quantitative approach with Spearman correlation method was applied, with data collected through questionnaires distributed to 81 students selected via accidental sampling. Results indicate that the level of riba comprehension is high (mean = 4.16), while Paylater usage behavior is low (mean = 2.14). Spearman correlation analysis reveals a significant negative relationship between riba comprehension and Paylater usage behavior (ρ = -0.316; p = 0.004), meaning that higher riba comprehension is associated with lower tendency to use Paylater. Nevertheless, indications of a knowledge-behavior gap persist, wherein high comprehension has not fully translated into consistent behavioral outcomes. Therefore, improving Islamic financial literacy must be accompanied by efforts to shape attitudes and create environments that support financially responsible behavior in accordance with Islamic principles.

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