The Effect of COD and Pay Later on Consumptive Behavior Mediated by the Lifestyle of UIN Student Mahmud Yunus Batusangkar

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http://dx.doi.org/10.31958/imara.v7i2.

Citation: Mirawati., Rizal., Sari, Chitra Indah., Amran,Elsa Fitri.,Martias, Dony. (2023). The Effect of COD and Pay Later on Consumptive Behavior Mediated by the Lifestyle of UIN Student Mahmud Yunus Batusangkar. Imara:

Jurnal Riset Ekonomi Islam, 7(2), 119–126.

Correspondence:

Mirawati,

[email protected]

Received: November 12, 2023 Accepted: December 12, 2023 Published: December 31, 2023

The Effect of COD and Pay Later on Consumptive Behavior Mediated by the Lifestyle of UIN Student Mahmud Yunus Batusangkar

Mirawati¹ , Rizal² ,Chitra Indah Sari³ , Elsa Fitri Amran⁴, Dony Martias⁵

1,2,3,4UIN Mahmud Yunus Batusangkar, Indonesia

5UIN Sultan Syarif Kasim Riau, Indonesia

ABSTRACT

Background. The facilities provided by the marketplace make the consumptive behavior of UIN Mahmud Yunus Batusangkar students very sharp, this is seen in terms of their lifestyle, with the ease of online shopping such as using the COD and Pay Later systems.

Purpose. To see the extent of the consumptive behavior of UIN Mahmud Yunus Batusangkar students in online transactions,

Method. The method used is with path analysis, using smartPLS4.

Samples are taken based on several criteria.

Results. The results obtained from this study show that COD affects consumptive behavior, later affects consumptive behavior, and lifestyle affects consumptive behavior. COD mediated by lifestyle affects consumptive behavior, and pay later mediated by lifestyle affects consumptive behavior.

Conclusion. All hypotheses presented were answered, all variable X (COD, Pay later) had a significant effect on variable Y (consumptive behavior), and the hypothesis answered that the moderation variable (lifestyle) directly affects variable Y (consumptive behavior).

KEYWORDS

COD, Pay Later, Lifestyle, Consumptive Behavior

INTRODUCTION

The development of technology today makes all activities can be done easily. For example, such as buying and selling activities. In the past, to meet needs, it was necessary to struggle to go to the market, but now with the emergence of marketplaces, it is easier to shop for needs anywhere and anytime The introduction is a little different from the short abstract. The reader needs to know the background of your research and, most importantly, why your research is important in this context. (Sari & N, 2016).

This is what makes a person's consumptive behavior increasingly uncontrollable, especially with attractive offers provided, such as discounts, free shipping, COD, and even Pay later. (Pencarelli et al., 2018). This consumptive behavior is very contrary to the teachings of Islam, in Sura al-An'am verse 141 explains that Allah does not like excessive people, and many hadiths of the Prophet also forbid excess. However, this attitude seems to have been ingrained by UIN student Mahmud Yunus Batusangkar. This consumptive behavior can be seen in the way of dressing, food consumed, and others. This lifestyle is what makes students in particular continue to exist in their environment. As

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students on an Islamic campus, of course, they are taught how to behave Islamically, but the changes that occur now this Islamic lifestyle has shifted to a hedonistic lifestyle. This hedonic attitude of students is certainly supported by supporting facilities such as meeting needs in shopping, one form of facilities in online shopping is to use COD and Pay later. All of these facilities are certainly used by students who have a hedon lifestyle in fulfilling the desire to shop which eventually makes someone behave consumptively.(Halimatussakdiyah Halimatussakdiyah , S. Martono, 2019)

Conveniences of shopping online. One of the largest marketplaces today is Shopee, which provides convenience in shopping with Pay Later and COD. Paylater is a payment method that is suspended first and then paid later. Paylater is one of the attractions for consumers in shopping.

(Ustanti, 2018). With so many discounts and promos on beautiful dates provided by the marketplace, especially Shopee, users of this platform are interested in being able to shop, even though they don't have the ability yet. Paylater is one of the shortcuts used by consumers, especially UIN student Mahmud Yunus Batusangkar to get the desired item. Unlike COD, kalua pay later is one of the shopping transactions with a credit purchase system, while COD is a payment made when the goods are already in the hands of the consumer without having to transfer them first. This certainly makes the next convenience to be more consumptive. (Kurniawan, 2017)

LITERATURE REVIEW

Consumptive behavior is a behavior that a person does in meeting his needs not because he needs the item but only as his desire.(Kotler, P & Kevin, 2016). Several indicators can be drawn in consumptive behavior, namely (1) impulsiveness, which is an attitude of insensitivity to the environment, inability to wait, and tendency to act without thinking first. (2) irrational, i.e. making purchases without thinking about their usefulness (3) waste, consumer behavior in spending their money without being based on clear needs. (Engel, J.F., Blackwell. R.D., 2018)

Cash on delivery (COD) is one of the cash payment systems in online shopping, which is when the ordered goods are already in the hands of consumers, this can reduce fraud that occurs in online shopping. Indicators that can be drawn in purchase transactions with the COD system are (1) convenience, buyers no longer need to transfer money in online purchases, (2) effectiveness, buyers do not have to come to the place where buying and selling takes place, simply by asking the sword to send the ordered goods after that payment can be made when the goods are. (3) minimize fraud, with this COD system, it can minimize fraud that occurs.(Pencarelli et al., 2018)

OJK explained that the Paylater system is an innovation-based loan service that unites credit purchases through several stages. (OJK, 2016)This indicator of pay later usage is juxtaposed with the theory of user interest, where the indicators are (1) Ease, a level of consumer confidence in using a certain system accompanied by a lack of one's effort in achieving goals. (2) perception of usefulness, where the level of confidence of a person to achieve his goals in improving his achievement. (3) user attitudes, and feelings felt by consumers both positive and negative, (4) actual use of the system, real conditions in using the system. (Solihin, 2020)

The existence of a collective identity that develops over time is a lifestyle that occurs in today's society. Lifestyle is also defined as interactions that occur due to the environment, time, and the environment(Chaney, 2014) 2 factors affect lifestyle, namely external and internal factors.

(Kotler, 2016)The external factors are (1) Reference groups, indirect influences derived from one's behavior, (2) Family, the biggest influence of one's behavior is from the family, (3) Social Class, homogenetic groups that have the same perceptions, interests, (4) culture, customs that prevail in the environment in the form of beliefs, arts, and habits that occur. The internal factors are (1)

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attitudes, cognitive states given to objects both positive and negative, and (2) experience and observation, experience is an individual's social observation in the form of behavior. (3) Personality, differentiating individuals from one another is a characteristic of the person's psychology. (4) Self-concept, a person's view of himself is a frame of reference that becomes the beginning of behavior. (5) Motives, the close relationship of motives with lifestyle occurs due to the impulse that occurs to fulfill one's desires. (6) perception, one's thinking before taking action based on the interpretation of the information obtained.

Frame Of Mind

Hypothesis

H1. COD affects the consumptive behavior of UIN Mahmud Yunus Batusangkar students H2. Pay later affects the consumptive behavior of UIN Mahmud Yunus Batusangkar students H3. Lifestyle affects the consumptive behavior of UINmahmud yunus batusangkar students H4. COD affects consumptive behavior mediated by the lifestyle of UIN Mahmud Yunus

Batusangkar students

H5. Pay later affects consumptive behavior mediated by the lifestyle of UIN Mahmud Yunus Batusangkar students.

RESEARCH METHODOLOGY

The type of research used is quantitative, data obtained from samples analyzed by statistical methods, and items obtained by respondents in each questionnaire are measured using a Likert scale. The population of this study was UIN Mahmud Yunus students who used shop pay later, which was 1,384 people. While the sample was taken with the Slovin formula, raising the error by 10% of many samples to 100 students, this sampling used several sample criteria, namely (1) UIN student Mahmud Yunus Batusangkar who used shop Paylater, (2) shopping at Shopee using paylater in 1 month more than 1 time. The data analysis technique used is a hypothetical test using SEM PLS4.

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RESULT AND DISCUSSION

Preliminary results show that there are some items whose value is less than LF 0.7, LF results that are less than 0.7 will be eliminated first. Namely the dimensions of PK3 and PL3, then retesting will be carried out. and make all items that measure variability have an LF ≥ 0.7, which means that all items can continue to be measured.

Table.1

Construct Reliability and Validity Cronbach’s

alpha

Composite reliability (rho_a)

Composite reliability (rho_c)

Average variance extracted (EVA)

COD 0.913 0.958 0.943 0.848

Pay Later 0.876 0.876 0.942 0.890

lifestyle 0.912 0.912 0.958 0.919

Consumptive behavior 0.928 0.856 0.978 0.744

Source: Processed Data

The COD variable has a CR of 0.913 ≥ 0.70 which indicates that each item measuring COD is consistent or reliable in measuring COD. Thus the value of composite reliability variables COD, Pay Later, Lifestyle, and Consumptive behavior is above 0.70 (reliable).

The AVE COD value of 0.848 means the measurement of COD1, COD2, and COD3 contained in the COD variable is 84.8%. because the AVE COD value of 0.848 > 0.50 fulfilled the requirement of good convergent validity, which overall the variable has an AVE value of > 0.50 (good convergent validity).

The results of this reliability and validity value show that each indicator has a good relationship. This states that to continue the test to the next stage can be done.

Tabel. 2

Descriminat Validity – Heterotrait – monotrait ratio (THMT)

COD Pay Later Consumptive behavior Lifestyle COD

Pay Later 0.119

Consumptive behavior 0.324 0.680

Lifestyle 0.607 0.311 0.710

All pairs of variables meet the THMT criterion of having a value of less than 0.90. which means that the evaluation of discriminating validity with THMT is fulfilled. By looking at the results of HTMT states a measure of similarity between latent variables, the extent to which constructs differ from other constructs. Since the HTMT result is less than 1, the validity of the discriminant can be considered achieved. The results of HTMT that are less than one make further tests can be carried out.

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Table 3.

Discriminant Validity – Fornell – Larcker Criterion

COD Pay Later Consumptive

behavior Lifestyle

COD 0.932

Pay Later 0.139 0.838

Consumptive behavior 0.454 0.322 0.943

Lifestyle 0.433 0.486 0.576 0.863

It can be seen from the table above that the value in the diagonal axis is the root of AVE, the AVE for COD is 0.932 greater than its correlation with other variables. Then the discriminant validity for the correlation variable is satisfied. Likewise, with other variables, the AVE root variable >

correlation between variables, so the overall discriminating evaluation of validity is fulfilled.

Table 4.

Path Coefficients – Mean, STDEV, Value, P Value

Original Sample (o)

Sample Mean (M)

Standard Deviation (STDEV)

T statistics (I0/STDEVI)

P Value

COD > Consumptive behavior 0.346 0.242 0.187 2.026 0.453

COD > Lifestyle 0.198 0.125 0.303 2.982 0.322

Pay later > Consumptive behavior 0.048 0.086 0.156 3.515 0.098

Pay later > Lifestyle 0.422 0.354 0.208 2.433 0.349

Lifestyle > Consumptive behavior 0.014 0.014 0.217 3.872 0.327

It can be seen that the P value is at a value below 0.50, it can be said that all X variants have a significant effect on the variable Y. so the COD variable has a significant effect on consumptive behavior by 0.453. COD also has a significant effect on lifestyle, which is 0.322. Pay later has a significant effect on consumptive behavior by 0.098, paylater also has a significant effect on lifestyle which is 0.349 and finally lifestyle has a significant effect on consumptive behavior which is 0.327.

Table 5.

Interval Konfiden 95% Path Coefficient

Original Sample (o)

Sample Mean (M)

2.5% 97.5%

COD > Consumptive behavior 0.346 0.242 0.237 0.494

COD > Lifestyle 0.198 0.125 0.609 0.887

Pay later > Consumptive behavior 0.048 0.086 0.195 0.423

Pay later > Lifestyle 0.422 0.354 0.100 0.698

Lifestyle > Consumptive behavior 0.014 0.014 0.418 0.893

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In a 95% confidence interval, the effect of COD on consumptive behavior is between 0.237 and 0.494. so when the COD system changes to be even easier, then the effect on consumptive behavior is highest only 0.494. Likewise with the influence of other variables. Such a COD against lifestyle is between 0.609 and 0.887. which makes when the COD system becomes an attraction to change the lifestyle of UIN Mahmud Yunus Batusangkar students at the highest only 0.887. Pay later for consumptive behavior is between 0.195 and 0.423, which means that the more vigorous shoppe provides convenience with pay later, the consumptive behavior given by UIN Mahmud Yunus Batusangkar students is the lowest at 0.195 and the highest is 0.423. while pay later on lifestyle influence, namely when pay later makes one of the fulfillment of the lifestyle of UIN student Mahmud Yunus Batusangkar, the greater the opportunity to do paylater, the biggest lifestyle change is 0.698 while the smallest value is 0.1. and the last influence of lifestyle on consumptive behavior is at the lowest value of 0.418 and the highest of 0.893 which means that when lifestyle values change, the consumptive behavior of UIN Mahmud Yunus Batusangkar students also changes, the largest value change is only 0.893

Table 6: Mediasi

Original Sample (o)

Sample Mean (M)

Standard Deviation (STDEV)

T statistics (I0/STDEVI)

P Value

COD > Lifestyle > Consumptive behavior 0.649 0.753 0.998 2.930 0.042 Pay later > Lifestyle > Consumptive

behavior

0.833 0.456 0.973 4.753 0.078

From the results of the mediation table, it can be seen that all independent variables can be mediated by lifestyle to consumptive behavior. COD has a direct influence through great religiosity of 0.649 with a statistical t of 2.930 > of 1.96 or p-value of 0.042 < 0.05. then lifestyle acts as a variable that directly influences COD on Consumptive behavior, as well as lifestyle variables can mediate directly later on Consumptive behavior.

Table 7. F Square

Consumptive behavior Lifestyle

COD 0.154 0.242

Pay later 0.453 0.322

Consumptive behavior

Lifestyle 0.013

To see the value of F Square is divided into three, namely, 0.02 low, 0.15 moderate, and 0.35 high. From Table 7 it can be seen that COD on Consumptive behavior is at a moderate level at a value of 0.154, and the influence of COD on lifestyle is at a moderate level as well. Pay later for consumptive behavior is at a high level, and pay later for lifestyle at a moderate level. While the lifestyle of consumptive behavior is at a low level.

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Table 8. R Square

R- Square R- Square adjusted

Consumptive behavior 0.712 0.668

Lifestyle 0.673 0.599

The magnitude of the influence of COD, Pay Later, and Lifestyle on Consumptive behavior is 71.2%. And the magnitude of the influence of COD, Pay later on Lifestyle by 67.3%. The rest is influenced by variables that are not stated by this study.

Table 9. SUMMER

Saturated Model Estimated Model

SUMMER 0.056 0.056

d_ULS 0.843 0.843

d_G 0.772 0.772

Chi-square 87.356 87.356

NFI 0.100 0.100

The SRMR value is 0.056 < 0.10 the value is acceptable which means that the proposed model is coco or close to the empirical data presented.

CONCLUSION

All tests conducted have answered the research hypothesis, which is as follows:

1. 1. COD affects the consumptive behavior of UIN Mahmud Yunus Batusangkar students, this is evidenced by the many online shopping transactions of students at times or beautiful dates that offer various discounts and free shipping.

2. Pay later affects the consumptive behavior of UIN students Mahmud Yunus Batusangkar, it is proven that more and more students are willing to transact online even though they pay it on credit, this is what makes students more consumptive in shopping, because their thinking says, that all transactions will be able to be paid in installments and are not burdensome like paying directly with a large amount.

3. Lifestyle affects the consumptive behavior of UIN Mahmud Yunus Batusangkar students, the wider association, and the desire to own an item, making students more consumptive, especially with associations that make all items owned must be the latest output items or goods that keep up with the times.

4. COD affects consumptive behavior mediated by the lifestyle of UIN student Mahmud Yunus Batusangkar. It turns out that online shopping with the COD system can increase student consumptive behavior which of course this consumptive behavior is caused by the student's lifestyle.

5. Pay later influences consumptive behavior mediated by the lifestyle of UIN student Mahmud Yunus Batusangkar. One of the supports for the consumptive lifestyle of students is to reward only through the pay later system. It can be seen that the ability of students cannot meet their hedonic lifestyle, or follow the current trend. But still want to meet their needs even by way of debt or purchase on credit.

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