Perilaku Konsumsi Islam dan Financial Planning Pada Mahasiswa Program Studi Ekonomi Syariah Universitas Muhammadiyah Jember Angkatan 2020-2022

Authors

DOI:

https://doi.org/10.12928/iefbr.v4i2.11005

Keywords:

Perilaku konsumsi, Konsumsi Islam, Financial planning

Abstract

 Penelitian ini bertujuan untuk mengungkap bagaimana perilaku konsumsi Islam dan financial planning mahasiswa Ekonomi Syariah Universitas Muhammadiyah jember. Penelitian ini menggunakan pendekatan kualitatif dengan subyek penelitian mahasiswa angkatan 2020-2022. Pemilihan mahasiswa program studi ekonomi syariah, dikarenakan mereka dinilai telah mendapatkan materi yang lebih mendalam tentang prinsip-prinsip Islam dalam ekonomi. Terlebih, faktor lingkungan yang strategis dan gaya hidup mahasiswa yang cenderung mengikuti tren juga dapat mempengaruhi kegiatan ekonomi mereka. Metode pengumpulan data dilakukan melalui observasi, wawancara, dan doku-mentasi. Sedangkan analisis data menggunakan analisis data kualitatif. Hasil penelitian menunjukkan bahwa: 1) mahasiswa masih perlu meningkatkan pemahaman untuk menghindari pem-belian impulsif dan lebih memperhatikan aspek kehalalan dalam semua jenis konsumsi. 2) Meskipun mahasiswa menyadari pentingnya perencanaan keuangan, mereka menghadapi tantangan dalam penerapan konsisten akibat pengaruh lingkungan kampus, perilaku konsumtif, dan pengeluaran tak terduga.

Author Biographies

Nur `Aisyah Zainiyah, Universitas Muhammadiyah Jember

Program Studi Ekonomi Syariah, Fakultas Agama Islam, Universitas Muhammadiyah Jember

Miftahul Hasanah, Universitas Muhammadiyah Jember

Program Studi Ekonomi Syariah, Fakultas Agama Islam, Universitas Muhammadiyah Jember

Istikomah, Universitas Muhammadiyah Jember

Program Studi Ekonomi Syariah, Fakultas Agama Islam, Universitas Muhammadiyah Jember

References

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Published

2025-06-14

Issue

Vol. 4 No. 2 (2024): December

Section

Articles

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Copyright (c) 2025 Nur `Aisyah Zainiyah, Miftahul Hasanah, Istikomah

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