The Influence of Convenience, Payment Methods and Sharia Financial Literacy on Purchasing Decisions on Shopee E-commerce Among Febi Uin Sts Jambi Students
Keywords:
E-commerce, Financial Literacy, Islamic Finance, Payment Method, Purchase Decision
Abstract
The development of e-commerce has increased changes in consumer behavior in conducting digital transactions, especially among students. This study aims to analyze the influence of convenience, payment methods, and Islamic financial literacy on purchasing decisions on Shopee e-commerce among students of the Faculty of Islamic Economics and Business, UIN Sultan Thaha Saifuddin Jambi. This study uses a quantitative approach with an associative research type. The study population was 2,087 FEBI students of UIN STS Jambi from the 2022 to 2025 academic year, with a sample of 100 respondents selected through a purposive sampling technique. The research instrument used a Likert scale questionnaire, while data analysis was carried out through validity tests, reliability tests, classical assumptions, multiple linear regression, t-tests, F-tests, and coefficients of determination using SPSS. The results showed that convenience did not significantly influence purchasing decisions, while payment methods and Islamic financial literacy had a positive and significant effect on purchasing decisions. Simultaneously, the three independent variables had a significant effect on purchasing decisions with a coefficient of determination of 65.5%. In conclusion, students' purchasing decisions on Shopee are more influenced by the flexibility of payment methods and understanding of Islamic financial literacy than by the ease of use of the application.
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Sandika Manap Solihat, D. (2022). E-commerce in Industry 4.0. Asian Journal of Business and Economics, 16(2), 273–281.
Sari, DP, & Widodo, T. (2018). The influence of payment methods on online purchasing decisions. Journal of Management and Business, 5(2), 102.
Sari, RN, et al. (2024). Payment on purchasing decisions. Journal, 5(1), 24–42.
Schiffman, L. G., & Kanuk, L. L. (2014). Consumer behavior (10th ed.). Pearson Education.
Sugiyono. (2019). Quantitative, qualitative, and R&D research methods. Alfabeta.
Sofwatillah, DAS, Risnita, & Jailani, MS (2024). Quantitative and qualitative data analysis techniques in scientific research. Journal, 15(2), 79–91.
Venkatesh, V., & Davis, F.D. (2000). A theoretical extension of the technology acceptance model: Four longitudinal field studies. Management Science, 46(2), 186–204.
Venkatesh, V., Thong, J.Y.L., & Xu, X. (2012). Consumer acceptance and use of information technology: Extending the unified theory of acceptance and use of technology. MIS Quarterly, 36(1), 157–178.
Wahbah az-Zuhaili. (1989). Fiqh al-Islami wa Adillatuhu (Volume 4). Dar al-Fikr.
Yulianti, & Silvy, M. (2013). The influence of financial literacy on student consumer behavior. Journal of Business and Banking, 3(1), 57–68.
Arikunto, S. (2013). Research procedures: A practical approach. Rineka Cipta.
Basuki, AT, & Prawoto, N. (2016). Regression analysis in economic and business research (Complete with SPSS and EViews applications). Rajawali Pers.
Bungin, B. (2013). Social and economic research methodology. Prenadamedia Group.
Davis, F.D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319–340.
Department of Religion of the Republic of Indonesia. (2011). The Qur'an and its translation. Raja Publishing.
Forester, BJ, et al. (2024). Quantitative research: Data reliability test. Journal, 4(3), 1812–1820.
Ghozali, I. (2021). Multivariate analysis application with IBM SPSS program (10th Edition). Diponegoro University Publishing Agency.
Ginee. (2025). The history of Shopee in Indonesia: A successful marketplace in the country.https://ginee.com/id/insights/sejarah-shopee-indonesia/
Hasan, I. (2004). Analysis of research data with statistics. Bumi Aksara.
Hidayan, N., & Permana, B. (2023). The influence of financial literacy on purchasing decisions in the Bibit application investment financial services. JIIP (Scientific Journal of Educational Sciences), 6(11), 8973–8975.
Kotler, P., & Keller, K. L. (2016). Marketing management (15th ed.). Pearson Education.
Laudon, K.C., & Traver, C.G. (2020). E-commerce: Business, technology, society (16th ed.). Pearson.
Leonard, S., & Tarigan, A. (2023). The influence of bank transfer, ShopeePay, Shopee PayLater, and Cash On Delivery payment methods on purchasing decisions in the Shopee application (A case study on the use of Shopee Marketplace in Tangerang City). Digismantech Journal, 3(1).https://doi.org/10.30813/digismantech.v3i1.5221
Lestari, AP, Fatiha, SA, & Putri, SO (2024). E-commerce in Indonesia's economic transformation and its influence on global trade. International Journal of Computers in Law & Political Science, 4, 10–23.https://doi.org/10.34010/injucolpos.vxix.xxxx
Lubis, KL, Nasution, LN, & Sari, WI (2025). The influence of digital transaction usage in various e-commerce platforms on economic growth in Indonesia. Journal of Economics and Accounting Publications, 5(3), 315–322.
Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and Evidence. Journal of Economic Literature, 52(1), 5–44.
Mardani. (2012). Islamic economic jurisprudence: Fiqh of transactions. Kencana.
Muhammad. (2019). Sharia financial management. UPP STIM YKPN.
Nachrowi, D., & Usman, H. (2002). The use of econometric techniques. Rajawali Press.
Nurjanah, SF, et al. (2019). The influence of e-commerce on purchasing decisions (A study of online shopping consumers of Islamic university students). Journal, 8(3), 154–162.
Financial Services Authority. (2021). Indonesia's national financial literacy strategy 2021–2025. OJK.
Pautina, YB, Ismail, YL, & Abdussamad, ZK (2022). The influence of trust and ease of use on purchasing decisions on the Shopee online shopping application (A study of Management students at the Faculty of Economics, Gorontalo State University). Journal, 5(2), 474–484.
Pohan, A. (2011). Payment systems: Strategy and implementation in Indonesia. Rajawali Pers.
Prastiwi, IE, Suprihati, & Akkapin, S. (2025). The influence of digital payment technology, service speed, and transaction security on online repurchase decisions (Case study in Central Java, Indonesia). International Journal of Economics, Business and Accounting Research (IJEBAR), 9(2).https://doi.org/10.29040/ijebar.v9i2.18268
Putri, FA, & Iriani, SS (2020). The influence of trust and convenience on purchasing decisions using Shopee PayLater online loans. Journal of Management Science, 8(3), 818–828.https://doi.org/10.26740/jim.v8n3.p818-828
Qardhawi, Y. (1997). The role of values and morals in Islamic economics. Gema Insani Press.
Rizqullah, NA, Rahayu, TSM, Haryanto, T., & Purnadi. (2025). Analysis of trust, convenience, financial literacy, and risk perception on Shopee PayLater purchasing decisions. International Journal of Business and Applied Economics, 4(1).https://doi.org/10.55927/ijbae.v4i1.13446
Rusdiana, LD, Rafiqi, & Ridhwan. (2023). The influence of PayLater and Cash On Delivery (COD) payment methods on purchasing decisions on Shopee (Case study: Islamic Economics students at Jambi University, 2018–2022 intake). Neraca: Journal of Economics, Management and Accounting, 1(2), 157–166.https://doi.org/10.572349/neraca.v1i2.131
Sabila, AR, & Kusumaningrum, L. (2020). Analysis of Shopee's e-commerce service quality in increasing customer trust and satisfaction (Case study of Shopee customers in Tangerang City 2020). Scientific Journal of the NIIT College of Information Technology, 16(2), 72–80.
Sandika Manap Solihat, D. (2022). E-commerce in Industry 4.0. Asian Journal of Business and Economics, 16(2), 273–281.
Sari, DP, & Widodo, T. (2018). The influence of payment methods on online purchasing decisions. Journal of Management and Business, 5(2), 102.
Sari, RN, et al. (2024). Payment on purchasing decisions. Journal, 5(1), 24–42.
Schiffman, L. G., & Kanuk, L. L. (2014). Consumer behavior (10th ed.). Pearson Education.
Sugiyono. (2019). Quantitative, qualitative, and R&D research methods. Alfabeta.
Sofwatillah, DAS, Risnita, & Jailani, MS (2024). Quantitative and qualitative data analysis techniques in scientific research. Journal, 15(2), 79–91.
Venkatesh, V., & Davis, F.D. (2000). A theoretical extension of the technology acceptance model: Four longitudinal field studies. Management Science, 46(2), 186–204.
Venkatesh, V., Thong, J.Y.L., & Xu, X. (2012). Consumer acceptance and use of information technology: Extending the unified theory of acceptance and use of technology. MIS Quarterly, 36(1), 157–178.
Wahbah az-Zuhaili. (1989). Fiqh al-Islami wa Adillatuhu (Volume 4). Dar al-Fikr.
Yulianti, & Silvy, M. (2013). The influence of financial literacy on student consumer behavior. Journal of Business and Banking, 3(1), 57–68.
Published
2026-08-26
How to Cite
Aulia Nanda Maharani Marsono, Muhamad Subhan, & Marissa Putriana. (2026). The Influence of Convenience, Payment Methods and Sharia Financial Literacy on Purchasing Decisions on Shopee E-commerce Among Febi Uin Sts Jambi Students. International Journal of Economics, Business and Innovation Research, 5(05), 2297-2313. https://doi.org/10.63922/ijebir.v5i05.5393
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