Digital Prestige And Late Paylater Payments In Iphone Purchases: An Islamic Economic Law Analysis Of Pkk Members In Rambutan District

Ratih Kurnia Sari; Rieke Oktaviyanti; Muhammad Irhan Arya Fathasyah; Wela Romadhona; Elen Karlina; Hafisya Agnesia; Riski Asmayanti

doi:10.63922/ijebir.v5i06.6510

Ratih Kurnia Sari Master’s Program in Islamic Economics, Faculty of Islamic Economics and Business, Universitas Islam Negeri Raden Fatah Palembang, Palembang, Indonesia
Rieke Oktaviyanti Master’s Program in Islamic Economics, Faculty of Islamic Economics and Business, Universitas Islam Negeri Raden Fatah Palembang, Palembang, Indonesia
Muhammad Irhan Arya Fathasyah Master’s Program in Islamic Economics, Faculty of Islamic Economics and Business, Universitas Islam Negeri Raden Fatah Palembang, Palembang, Indonesia
Wela Romadhona Master’s Program in Islamic Economics, Faculty of Islamic Economics and Business, Universitas Islam Negeri Raden Fatah Palembang, Palembang, Indonesia
Elen Karlina Master’s Program in Islamic Economics, Faculty of Islamic Economics and Business, Universitas Islam Negeri Raden Fatah Palembang, Palembang, Indonesia
Hafisya Agnesia Master’s Program in Islamic Economics, Faculty of Islamic Economics and Business, Universitas Islam Negeri Raden Fatah Palembang, Palembang, Indonesia
Riski Asmayanti Master’s Program in Islamic Economics, Faculty of Islamic Economics and Business, Universitas Islam Negeri Raden Fatah Palembang, Palembang, Indonesia

DOI: https://doi.org/10.63922/ijebir.v5i06.6510

Keywords: digital prestige, PayLater, late payments, symbolic consumption, Sharia Economic Law

Abstract

Purpose – This study analyzes the motives for purchasing iPhones through PayLater, the causes of late payments, and their implications under Islamic Economic Law among members of the PKK in Rambutan Subdistrict. Design/Methodology/Approach – The study employed a qualitative case study involving four informants selected through purposive sampling. Data were collected through semi-structured written interviews via WhatsApp, analyzed using thematic reflexive analysis, and then reviewed based on the principles of contract (akad), usury (riba), uncertainty (gharar), consumption ethics, debt responsibility, and ḥifẓ al-māl. Findings – iPhone purchases were influenced by functional needs and symbolic motives, while PayLater was chosen due to limited cash on hand. Urgent needs, income instability, delayed salaries, and app malfunctions cause late payments. Penalties and collection efforts increase the financial burden on families. From a Sharia perspective, the status of PayLater depends on the clarity of the contract, cost transparency, and penalty mechanisms. Debtors facing financial difficulties must be distinguished from solvent debtors who intentionally delay payments. Originality/Value – This study integrates consumption motives, financing structures, and payment consequences through the motive–contract–repayment framework in the context of adult women and household finance.

References

Adawiyah, I. R., & Komar, I. (2025). Perspectives of Islamic law and Law No. 8 of 1999 on the validity of online sales contracts using the Shopee PayLater payment method. Ahwaluna: Journal of Islamic Family Law, 7(2), 68–82. https://doi.org/10.70143/ahwalunajurnalhukumkeluargaislam.v6i2.539
Aragoncillo, L., & Orús, C. (2018). Impulse buying behavior: An online-offline comparison and the impact of social media. Spanish Journal of Marketing–ESIC, 22(1), 42–62. https://doi.org/10.1108/SJME-03-2018-007
Braun, V., & Clarke, V. (2021). One size fits all? What counts as quality practice in reflexive thematic analysis? Qualitative Research in Psychology, 18(3), 328–352. https://doi.org/10.1080/14780887.2020.1769238
National Sharia Council–Indonesian Ulema Council. (2000). National Sharia Council Fatwa No. 17/DSN-MUI/IX/2000 regarding sanctions against solvent customers who delay payments. https://dsnmui.or.id/kategori/fatwa/page/15/
National Sharia Council–Indonesian Ulema Council. (2004). National Sharia Council Fatwa No. 43/DSN-MUI/VIII/2004 on compensation (ta‘widh). https://dsnmui.or.id/kategori/fatwa/page/13/
National Sharia Council–Indonesian Ulema Council. (2018). National Sharia Council Fatwa No. 117/DSN-MUI/II/2018 on information technology-based financing services based on Sharia principles. https://dsnmui.or.id/kategori/fatwa/page/5/
Djafarova, E., & Bowes, T. (2021). “Instagram made me buy it”: Generation Z impulse purchases in the fashion industry. Journal of Retailing and Consumer Services, 59, Article 102345. https://doi.org/10.1016/j.jretconser.2020.102345
Eastman, J. K., Goldsmith, R. E., & Flynn, L. R. (1999). Status consumption in consumer behavior: Scale development and validation. Journal of Marketing Theory and Practice, 7(3), 41–52. https://doi.org/10.1080/10696679.1999.11501839
Fernández-López, S., Castro-González, S., Rey-Ares, L., & Rodeiro-Pazos, D. (2024). The relationship between self-control and debt decisions: Evidence for different credit options. Current Psychology, 43(1), 340–357. https://doi.org/10.1007/s12144-023-04251-7
Han, Y. J., Nunes, J. C., & Drèze, X. (2010). Signaling status with luxury goods: The role of brand prominence. Journal of Marketing, 74(4), 15–30. https://doi.org/10.1509/jmkg.74.4.15
Hassan, M. F., Mohd Zain, F. A., Ghazali, M. S., & Mansor, F. (2025). Reconstructing buy-now-pay-later (BNPL) through maqasid al-Shariah: A conceptual paper. E-Journal of Islamic Thought and Understanding, 8(2), 59–74. https://doi.org/10.24191/ejitu.v8i2.9056
Hesniati, H., Phangestu, S. J., Marheni, D. K., & Arviano, H. (2025). Navigating digital credit: How do risky indebtedness behavior and impulsive buying shape buy-now-pay-later intention? Journal of Theoretical and Applied Management, 18(3), 275–290. https://doi.org/10.20473/jmtt.v18i3.77543
Kumar, A., Salo, J., & Bezawada, R. (2024). The effects of buy now, pay later (BNPL) on customers’ online purchase behavior. Journal of Retailing, 100(4), 602–617. https://doi.org/10.1016/j.jretai.2024.09.004
Kumar, S., & Nayak, J. K. (2024). Understanding the intricacies of risky indebtedness, impulse buying, and perceived risk in buy-now-pay-later adoption. Asia Pacific Journal of Marketing and Logistics, 36(7), 1697–1716. https://doi.org/10.1108/APJML-08-2023-0759 Li, K. J. (2019). Status goods and vertical line extensions. Production and Operations Management, 28(1), 103–120. https://doi.org/10.1111/poms.12902
Lie, M., Sahda Putra, B., Sammuel Sulu, J., & Tanjung, M. H. (2025). The psychology of BNPL repayment procrastination: Behavioral insights on present bias and financial motivation. The Winners, 26(2), 171–184. https://doi.org/10.21512/tw.v26i2.13936
Miptahudin, I., & Nurrahman, A. G. (2025). The use of the Shopee PayLater feature from an Islamic economics perspective among students in the Islamic Economics program at Halim Sanusi University. Journal of Sharia Economic Law, 4(1), 87–92. https://doi.org/10.37968/jhesy.v4i1.1434
Mudra, U. J., & Rusmanto, T. (2024). The role of financial self-control in mitigating online impulsive buying among Gen Z consumers in Indonesia’s e-commerce sector. Journal of System and Management Sciences, 14(6), 470–489. https://doi.org/10.33168/jsms.2024.0629
O’Cass, A., & McEwen, H. (2004). Exploring consumer status and conspicuous consumption. Journal of Consumer Behavior, 4(1), 25–39. https://doi.org/10.1002/cb.155
Financial Services Authority. (2025). Regulation of the Financial Services Authority of the Republic of Indonesia No. 32 of 2025 concerning the implementation of “buy now, pay later” (BNPL). https://ojk.go.id/id/regulasi/Pages/POJK-32-Tahun-2025-Penyelenggaraan-Beli-Sekarang-Bayar-Nanti-BNPL.aspx
Powell, R., Do, A., Gengatharen, D., Yong, J., & Gengatharen, R. (2023). The relationship between responsible financial behaviors and financial well-being: The case of buy-now-pay-later. Accounting & Finance, 63(4), 4431–4451. https://doi.org/10.1111/acfi.13100
Pratama, M. A., Wijaya, A., Sari, C. P., & Azwari, P. C. (2025). Analysis of PayLater services from a Sharia perspective. J-ESA: Journal of Islamic Economics, 8(1), 89–104. https://doi.org/10.52266/jesa.v8i1.4243
Przybylski, A. K., Murayama, K., DeHaan, C. R., & Gladwell, V. (2013). Motivational, emotional, and behavioral correlates of fear of missing out. Computers in Human Behavior, 29(4), 1841–1848. https://doi.org/10.1016/j.chb.2013.02.014
Rafifah, D., & Chair, M. R. (2021). PayLater in e-commerce: A contemporary fiqh muamalah study on the elements of riba and gharar. Al-Bay’: Journal of Sharia Economic Law, 1(2), 25–47. https://doi.org/10.32505/albay.v1i2.15881
Rohmana, Y. (2022). Consumption: An Ethical Perspective of Islamic Economics. Review of Islamic Economics and Finance, 5(1), 79–92. https://ejournal.upi.edu/index.php/rief/article/download/52164/20724
Sarangi, S., Jena, A. K., Singh, R. K. R., & Anderson, J. E. (2026). Materialism and Compulsive Buying Behavior: The Role of Impulsive Buying and Pay U Later. Journal of Financial Services Marketing, 31(3), 1–20. https://doi.org/10.1057/s41264-026-00381-8
Wibisono, R., Nofrizal, N., Zaki, H., & Arizal, N. (2026). From status to emotion: What drives Apple brand love and willingness to pay? Jurnal Siasat Bisnis, 30(2), 213–229. https://doi.org/10.20885/jsb.vol30.iss2.art5
Wibowo, A. D., & Mardiantari, A. (2026). Analysis of Shopee PayLater late payment penalty practices on the Shopee marketplace from the perspective of DSN-MUI Fatwa No. 17/DSN-MUI/IX/2000. Al-Afkar: Journal for Islamic Studies, 9(3), 2338–2348. https://doi.org/10.31943/afkarjournal.v9i3.3429