Islamic Religiousity, Conspicuous Consumption, and PayLater Usage Intention in Young Muslim Consumers

Authors

  • Sulhaini Sulhaini University of Mataram, Jl. Majapahit No.62, Gomong, Kec. Selaparang, Kota Mataram, Nusa Tenggara Barat 33125
  • Laila Wardani University of Mataram, Jl. Majapahit No.62, Gomong, Kec. Selaparang, Kota Mataram, Nusa Tenggara Barat 33125
  • Sulaimiah Sulaimiah University of Mataram, Jl. Majapahit No.62, Gomong, Kec. Selaparang, Kota Mataram, Nusa Tenggara Barat 33125

DOI:

https://doi.org/10.21632/

Keywords:

Islamic religious commitment conspicuous consumption intention to use PayLater

Abstract

This study investigated the intention to use PayLater among young Muslim consumers from the island of Lombok in Indonesia. A multigroup analysis approach was employed to compare the behavioural differences between young male and female consumers. The island of Lombok is known as the island of a thousand mosques, reflecting the religiosity of its residents. Data were collected through questionnaires distributed to university students aged 17–25 years old. Young consumers were chosen because of their high level of debt compared to other age groups. The results reveal that for all groups, Islamic religious commitment significantly weakens the tendency to “show off”. The tendency to show off drives the intention of young Muslim consumers to take on debt. A significant gender difference was observed, with the influence of Islamic religious commitment on the tendency to show off being much stronger for male compared to female consumers. However, this religious commitment does not have a direct negative impact on male consumers’ intention to incur debt; instead, it indirectly reduces this intention by weakening the tendency to show off.

Author Biographies

Sulhaini Sulhaini, University of Mataram, Jl. Majapahit No.62, Gomong, Kec. Selaparang, Kota Mataram, Nusa Tenggara Barat 33125

Sulhaini is a faculty member of Department of Management, the University of Mataram. Her research interests are consumer behavior, Islamic marketing, relationship marketing, and tourism marketing. She  received her BA in Management from the University of Mataram, M.Sc in International Marketing and Management from Copenhagen Business School – Denmark; and Ph.D in International Marketing from Sheffield Hallam University, England – UK. Since 2019, She has been a professor in International Marketing Management. She has published her research works at some reputable Indonesian Business Journals and high quality international journals such as Asia Pacific Management Review, Tourism and Hospitality Research and Journal of Relationship Marketing

Laila Wardani, University of Mataram, Jl. Majapahit No.62, Gomong, Kec. Selaparang, Kota Mataram, Nusa Tenggara Barat 33125

Laila Wardani is a faculty member of Department of Management, Faculty of Economics and Business, the University of Mataram. Her research interests are accounting management, budgeting and financial management. She  received her BA in Management from University of Mataram and M.Sc in Management fro Brawijaya University - Indonesia and MA in Management from Huddersfield University, England – UK. 

Sulaimiah Sulaimiah, University of Mataram, Jl. Majapahit No.62, Gomong, Kec. Selaparang, Kota Mataram, Nusa Tenggara Barat 33125

Sulaimiah is a faculty member of Department of Management, Faculty of Economics and Business, the University of Mataram. Her research interests are organisational  behaviour and relationship marketing. She  received her BA in Management from the University of Mataram, M.Sc in Management from Airlangga University – Indonesia. She has published her research works at some Indonesian Business Journals and some reputable international journals.

 

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Submitted

02/22/2026

Accepted

04/13/2026

Published

06/03/2026

How to Cite

Sulhaini, S., Wardani, L. ., & Sulaimiah, S. (2026). Islamic Religiousity, Conspicuous Consumption, and PayLater Usage Intention in Young Muslim Consumers. International Research Journal of Business Studies, 19(1). https://doi.org/10.21632/

Issue

Vol. 19 No. 1 (2026): April - July (Issue in Progress)

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Copyright (c) 2026 Sulhaini Sulhaini, Laila Wardani, Sulaimiah Sulaimiah (Author)

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Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

How to Cite

Sulhaini, S., Wardani, L. ., & Sulaimiah, S. (2026). Islamic Religiousity, Conspicuous Consumption, and PayLater Usage Intention in Young Muslim Consumers. International Research Journal of Business Studies, 19(1). https://doi.org/10.21632/