Analisis Perilaku Konsumtif Generasi Z dalam Menggunakan Aplikasi Flip Ditinjau dari Perspektif Bisnis Islam

Abstract

This research aims to analyze consumer behavior that arises due to factors such as convenience, usefulness and safety in using the Flip application. The population in this study was 140,642 students. Meanwhile, the sample used was 400 respondents using purposive sampling technique. The method used in this research is a descriptive quantitative method. The data used in this research is primary, taken from the results of distributing questionnaires to active students at the North Sumatra State Islamic University, Medan. The data obtained from distributing the questionnaire was then processed using SPSS 22. This research obtained the results that the convenience variable (X1) had no positive and significant effect on consumer behavior in using the Flip application. The usefulness variable (X2) has a positive and significant effect on consumer behavior in using the Flip application. The security variable (X3) has a positive and significant effect on consumer behavior in using the Flip application. The R2 test in this study shows that there is an influence of the convenience variable, usefulness variable and security variable of 63% in using the Flip application. While the remaining 37% is influenced by other factors. Researchers can conclude that these factors result in consumer behavior. The practices carried out in transactions using the Flip application can be said to be protected from usury.