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Annisa Annisa; Norbaiti Norbaiti; Walinasifa Walinasifa; Norkhadizah Makkiah; Muhammad Iqbal Sanjaya

JUREKSI (Journal of Islamic Economics and Finance) 2025 STIKes Ibnu Sina Ajibarang

This study aims to provide an overview of the consumption patterns of Generation Z and how they relate to inflation from an Islamic economics perspective. A library research strategy is used in this investigation. Information was gathered from a number of sources, such as books, journals, and other problem-related scientific resources. The results indicate that Gen Z's consumption habits could lead to demand-pull inflation, or an increase in inflation. Prices rise when the supply cannot keep up with the substantial increase in demand for products and services brought on by consumer behavior. When Gen Z consumes technology, fashion, entertainment, and food items all of which are frequently popular and seasonal this issue becomes more noticeable. Consumption is controlled in Islamic economics to avoid becoming wasteful (tabzir) or excessive (israf). Needs (maslahah), not only wants or carnal emotions, must be the basis for consumption. The primary remedy, according to Islamic economics, is to emphasize beneficial consumption, Islamic-based money management, and bolstering social and spiritual values in order to curb consumption and prevent detrimental effects on people or the economy.  

Ridfan Rifadly Abadi; Siti Hajerah Hasyim; M. Ridwan Tikollah; Kartika Septiary Musa; Syahir Fadli

Jurnal Hasil Kegiatan Bersama Masyarakat 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The low level of financial literacy and the consumptive behavioral patterns among Indonesian youth represent a critical challenge in preparing the younger generation to face the complexities of the modern economy. Therefore, training in basic financial record-keeping serves as a strategic step in enhancing students' financial literacy, particularly at the secondary education level. This community service activity aims to improve the understanding and provide practical skills to students of MAN 2 Parepare in simple financial record-keeping. The goal is to enable students to manage personal finances and school-based entrepreneurial activities in a more orderly and responsible manner. The implementation method involved several stages, including preparation, training execution, and evaluation. The results indicated an increase in students' understanding of basic accounting concepts, the importance of financial recording, and their ability to prepare simple financial statements. This training has contributed to fostering students’ administrative discipline and financial awareness from an early age, enhancing youth financial literacy, and equipping them with essential skills for future financial independence.

Cindy Amelia Sari; Ute Chairuz M. Nasution; Awin Mulyati

Jurnal Manajemen Kreatif dan Inovasi 2025 International Forum of Researchers and Lecturers

This quantitative research analyzes the influence of online promotion and shopping lifestyle on impulsive buying of jiniso fashion products on the Shopee e-commerce platform. The phenomenon of increased impulsive purchasing behavior is driven by online promotion strategies (discounts, vouchers, flash sales) and a tendency towards a consumptive shopping lifestyle. The population for this study comprises all individuals who have purchased Jiniso fashion products on Shopee, with a sample of 100 respondents determined using a non-probability sampling technique. Primary data were collected through online questionnaires via Google Forms, while secondary data were obtained indirectly from intermediary sources such as literature, articles, journals, and websites related to the research object. Based on SPSS test results, all research instrument indicators were found to be valid and reliable. Partial t-tests revealed that both online promotion and shopping lifestyle variables significantly influence impulsive buying. Furthermore, the F-test indicated that both independent variables simultaneously affect impulsive buying. Among the two variables, online promotion emerged as the dominant variable. The conclusion shows that online promotion and shopping lifestyle significantly impact impulsive buying behavior for Jiniso fashion products on Shopee, providing implications for fashion businesses to maximize online promotions and adapt marketing strategies to effectively increase sales.

Vera Maria; Vina Nailatul Nabila

Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Gen-Z has grown alongside rapid technological and digital media development, fostering frequent virtual interactions over face-to-face ones. This shift often triggers Fear of Missing Out (FOMO), where individuals feel anxious about missing trends or updates. Among Gen-Z, FOMO is strongly influenced by social media, driving consumptive behavior. This article explores how FOMO creates opportunities for Indonesian Micro, Small, and Medium Enterprises (MSMEs) through jasa titip (personal shopping services). Using the Dubai Chocolate trend as a case study, it highlights how social media-driven demand has spurred interest in personal shopping services to source and deliver such products. The research emphasizes the importance of social media as a tool for MSMEs to tap into FOMO-driven markets. It also encourages MSMEs to innovate by offering affordable, locally sourced alternatives to remain competitive. This approach enables MSMEs to thrive in a dynamic, trend-focused digital landscape.  

Abib Novriyanto; Syamsul Hilal

Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah (JUPIEKES) 2025 STAI YPIQ BAUBAU, SULAWESI TENGGARA

The Zakat Aware Community Movement is an initiative to raise Muslims' awareness of the importance of zakat as a religious obligation and socio-economic instrument. The goal is to encourage people to pay zakat, both zakat mal and fitrah, correctly and on target to help the poor and reduce poverty and social inequality. Zakat not only has spiritual value, but also a strategic role in welfare distribution. Awareness of zakat is expected to counter consumptive behavior or hedonism, which in Islam is known as israf (excessive) and tabdzir (wasteful). The concept of “mâl” (wealth) in Islam is everything that can be legally owned and utilized, such as houses, money, gold, and others. Blessed wealth is wealth that is obtained lawfully, benefits others, and is used to get closer to Allah. Islam also pays great attention to poverty, which is described through the terms fakir and miskin. For this reason, zakat as the third pillar of Islam has a major role in overcoming it. For those who are reluctant to pay zakat, Islam recognizes the punishment of ta'zir - a punishment imposed by the ruler to safeguard the public interest. Finally, zakat that is paid consciously and sincerely can bring blessings to wealth, strengthen social solidarity, and strengthen the economic resilience of the people.

Alfian Lutfi; Annisa Ayu Handayani; Balqis Naura Izzati; Khoirunnisa Khoirunnisa; Lutvie Novita Zalwa +1 more

Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study aims to explore the role and impact of the development of digital payment systems, particularly the Quick Response Code Indonesian Standard (QRIS), on the financial management practices of out-of-town students in the 2024 cohort. Using a descriptive qualitative approach and data collected through open-ended questionnaires distributed to 50 students of the Accounting Study Program at UPI, the research examines sources and management of monthly funds, the influence of QRIS on consumptive behavior, the role of QRIS in daily transactions, the handling of unexpected expenses, and students' financial awareness. The results indicate that QRIS is widely used for daily spending transactions, especially for purchasing food and beverages, due to its practicality and convenience. However, the findings also suggest a tendency for increased consumptive behavior among students who use QRIS. Nonetheless, a small portion of students reported that QRIS facilitates easier control over spending through visibility of balances and transaction histories. This study highlights the importance of financial literacy alongside the adoption of digital payment technologies to optimize students' financial management.

Dedi Mardianto; Irwan Misbach

Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah (JUPIEKES) 2025 STAI YPIQ BAUBAU, SULAWESI TENGGARA

This study discusses the phenomenon of increasing consumptive behavior among Muslim communities due to the influence of social media, technology, and e-commerce. This behavior is considered contrary to Islamic teachings that emphasize balance, simplicity, and social responsibility. Therefore, this research aims to formulate the concept of Islamic consumption that not only fulfills physical needs, but also considers spiritual values, ethics, and social justice. Using a qualitative approach through literature study, this research examines consumption principles in Islam such as halal-thayyib, maqāṣid al-syarī'ah, and ethical rationality as an alternative to conventional consumption that is materialistic. The results show that consumption in Islam is part of worship that includes spiritual, social, and environmental dimensions. Islamic consumption encourages frugal, selective, and responsible behavior, and strengthens social solidarity through zakat and alms. This research produces an integrated Islamic consumption framework that can serve as a guideline for Muslim consumers, policy makers, and da'wah institutions in building a more ethical, sustainable, and Islamic-compliant consumption lifestyle in the modern era.

Nurma Maha Rani; Muhammad Givar Pamungkas; Salwa Ariza Irawan

Epsilon : Journal of Management (EJoM) 2025 Lembaga Pengabdian Masyarakat Universitas Ichsan Gorontalo

This study aims to analyze the concept of consumer demand in the perspective of Islamic economics with a focus on the influence of spiritual values ​​on the consumption behavior of Muslims. The academic problem underlying this study is the gap between the values ​​of Islamic teachings that emphasize simplicity, blessings, and spiritual responsibility, with the social reality of Muslims who often exhibit consumptive behavior and follow the flow of modern capitalism. This study uses a qualitative approach with library research methods, reviewing various literature related to the concept of consumption in Islamic economics, maqashid al-syari'ah, and spiritual values ​​such as halal, thayyib, qana'ah, wara', and zuhud. The results of the analysis show that spiritual values ​​have a significant role in shaping consumer demand that is not only oriented towards material satisfaction, but also towards blessings and social responsibility. Demand in Islamic economics is positioned as a moral and worship activity, not merely a rational economic decision. Consumption based on spiritual values ​​is also positively correlated with inner peace and mental health of consumers. Therefore, internalization of Islamic values ​​in consumption behavior is believed to be able to realize a fair, sustainable, and falah-oriented economic system (happiness in the world and the hereafter).

Dhea Paramitha

Transformasi: Journal of Economics and Business Management 2025 Universitas 17 Agustus 1945 Semarang

PayLater services are increasingly popular as a payment method that offers ease of transactions and financial flexibility for its users. However, this convenience can also increase consumptive behavior that has the potential to affect individual financial stability. This study aims to analyze the impact of PayLater service on consumption interest and lifestyle of PT Tripatra employees. This research uses a quantitative approach with a survey method. Data was collected through questionnaires distributed to PT Tripatra employees who use PayLater services. Data analysis was performed with descriptive statistical tests and linear regression to measure the relationship between PayLater usage, consumption behavior, and financial stability. The results showed that the PayLater service provided significant benefits in the ease of transactions and increased employee purchasing power. However, there is a positive correlation between the use of this service and an increase in consumptive behavior, including impulse purchases. This has the potential to reduce individual financial stability in the long run, especially for those who lack good financial literacy. Uncontrolled use of PayLater services can increase financial risk. Therefore, awareness and good financial literacy are needed so that the benefits of this service can be optimized without causing negative impacts. As a recommendation, companies are advised to provide financial education to their customers. 

Aldila Andari Kristi; Anniez Rachmawati Musslifah; Dhian Riskiana Putri

Jurnal Publikasi Ilmu Psikologi. 2025 Asosiasi Riset Ilmu Kesehatan Indonesia

This study was conducted with the aim of finding out the relationship between hedonistic lifestyle and consumptive behavior in psychology students at Sahid University Surakarta. Sampling was carried out using a simple random sampling technique with a total of 33 students. The purpose of this study is to find out whether there is a relationship between hedonistic lifestyle and consumptive behavior in psychology students at Sahid University Surakarta. The method that will be used to test the hypothesis in this study uses the Pearson correlation test with the Pearson product moment correlation technique. The results of this study showed that there was no relationship between hedonistic lifestyle and consumptive behavior in psychology students at Sahid University Surakarta with a value of r = 0.135, with p = 0.455. Based on these results, the hypothesis in this study is rejected, which means that the lower the hedonistic lifestyle of students, the higher the consumptive behavior of students, and vice versa, the higher the hedonistic lifestyle of students, the lower the consumptive behavior of students.   

Muhamad Kardiansyah; Maswadi Maswadi; Wanti Fitrianti

Botani : Publikasi Ilmu Tanaman dan Agribisnis 2025 Asosiasi Riset Ilmu Tanaman Dan Hewani Indonesia

Food waste is becoming an increasingly significant global issue along with food loss and waste, consumers throw away 31% of the food they have purchased, a third of the total food produced globally or around 1.3 billion tons of food that can be consumed including fresh vegetables, fruit. , meat, bread and dairy products are lost along the supply chain. Food waste has many negative social, economic and environmental impacts. The household sector is one area that contributes to a significant amount of food waste. Household behavior is considered the biggest contributor to food waste. wasted (Food Waste), behavior shows significant differences in producing food waste produced by households, Sanggau Regency also experiences problems with food waste, this cannot be separated from the geographical conditions of the area which borders directly with the Malaysian region which makes the mobility of goods difficult. easier, thus making the community's consumptive factor increase as evidenced by the continued increase in public demand for food products produced by the people of Sanggau Regency every year. This research aims to identify household consumption behavior regarding the behavior of throwing away food (food waste) in border areas of the Regency. Sanggau and determine the influence of socio-demographic, socio-economic factors and household consumption behavior on food waste behavior in the border areas of Sanggau Regency. The research method used in this research is descriptive statistics. The sample in this study was 100 respondents representing households. The variables in this research are divided into two, namely respondent characteristics and household behavior. The results of the research show that the average food waste behavior in households refers to the characteristics of respondents such as age, gender, occupation, income, expenditure and number of family members as well as tendencies or behavioral patterns of household members in producing, managing and using food. causes food to be wasted in an inefficient manner. Food waste behavior covers various aspects, including purchasing, storing, preparing and consuming food.

Bangun, Putri Ramadhani; Syahputri, Alfiani Rizky; Mulkhan, Balya Ibnu; Yanti, Ita Novi; Prislin, Lidya Clara +2 more

Kajian Ekonomi dan Akuntansi Terapan 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to analyze the effect of financial literacy and risk perception on impulsive consumptive behavior on students of the Faculty of Economics, Sheikh Abdul Halim Institute impulsive consumptive behavior in students of the Faculty of Economics, Sheikh Abdul Halim Hasan Institute Binjai. Using a quantitative approach with an explanatory survey method, this study involved 56 respondents selected using accidental sampling technique. The regression analysis results show that financial literacy has a significant positive effect on consumptive behavior (B = 1.157; sig. = 0.000), while risk perception has a significant negative effect (B = -0.555; sig. = 0.017). Simultaneously, these two variables contribute significantly to consumptive behavior with a coefficient of determination (R²) of 61.4%. The results of this study reveal that high financial literacy can increase the tendency of consumptive behavior due to increased confidence in financial management, while high risk perception can suppress consumptive behavior through awareness of potential losses. This study emphasizes the importance of a holistic approach in the formation of healthy financial behavior, involving the improvement of financial literacy as well as education related to risk perception. The findings are expected to contribute to the development of more effective financial education strategies for economics students. 

Kirei Zhihan Putri; Naila Zahara; Sri Mulyeni

Master Manajemen 2025 Fakultas Ekonomi & Bisnis, Universitas Nusa Nipa

This study focuses on the use of E-Commerce among students at Universitas Nasional Pasim, particulary in the Faculty of Economics. The primary objective of this research is to identify the impact of E-Commerce usage on students’ consumptive behavior. Using a quantitative method, data was collected through the distribution of questionnaires. The analysis of the questionnaires, employing a validity test, confirmed that all data obtained were valid and suitable for further investigation. The findings reveal that consumptive behavior significantly impacts human life, including financial, academic, and social aspects. In the long term, consumptive behavior can negatively affect their future. Therefore, it is essential for students to enhance their awareness of the importance of a simply lifestyle, financial planning, and responsible management of their needs. The results indicate that 61,8% of the variation in consumptive behavior can be explained by the influence of E-Commerce.

Safirah Rahayaan; Sugeng Pradikto

Jurnal Publikasi Ekonomi dan Akuntansi 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The aim of this research is to find out how children's purchasing habits in Mayangan Village, Panggung Rejo District, Pasuruan City are influenced by the family's economic situation and level of education. Many factors, such as parents' education level and family financial situation, can influence children's consumption habits and preferences for products and services. One hundred respondents who were parents and children in Mayangan Village were given questionnaires and survey methodology as part of the quantitative methodology used in this research. Based on the study's findings, children's purchasing habits are strongly influenced by their parents' level of education, and more educated parents often have a greater awareness of the importance of controlling consumption and how it affects children's lifestyles. Children's consumption levels can also be influenced by the economic circumstances of their families; families with higher incomes are more likely to meet their children's consumption needs, while families with lower incomes usually have tighter spending controls. Therefore, it is hoped that the government and society will pay more attention to improving the quality of education and the economic conditions of families in order to create a generation that is wiser in managing consumption and their needs. This research concludes that the two factors, namely the level of parental education and the family's economic conditions, have a significant influence on children's consumer behavior.

Lailatul Fajriah; Khafid Nasrullah; Devinta Bintang Safitri; Eva Yogi Noor Laela

Proceeding of the International Conference on Management, Entrepreneurship, and Business 2024 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

The development of e-commerce has significantly transformed consumer behavior, particularly among Generation Z. This study examines the impact of e-commerce on the consumptive behavior of Gen Z students at STIE Cendekia Bojonegoro, Indonesia. E-commerce platforms offer easy access, a wide range of products, and various promotional features that influence consumer purchasing decisions. Using a quantitative approach with a survey design, this study investigates how promotions, social media, and other factors impact Gen Z's purchasing behaviors. The results reveal that social media has a more substantial influence on consumptive behavior than traditional promotional strategies, which were found to be less significant. This highlights the importance of social media in shaping the shopping habits of Gen Z. The findings contribute to a better understanding of e-commerce's role in influencing consumer behavior and offer recommendations for businesses and educational institutions to address the challenges associated with impulsive purchasing and financial management among students.

Rida Ismiatul Aulia; Rara Meisi Azahra

Kajian Administrasi Publik dan ilmu Komunikasi 2024 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

The development of technology and social media, especially TikTok, has changed the way consumers interact with products and brands. This article aims to explore the impact of the language and communication used on TikTok on consumer behavior, especially in the context of impulse purchases. Through a qualitative approach, the study analyzed TikTok content that focuses on product promotion and how language and communication styles influence purchasing decisions. The results show that the use of engaging and communicative language on TikTok can increase buying interest and encourage consumptive behavior among users.

Rio Erdi Pamungkas; Fantri Elistia Ainu; Pia Khoirotun Nisa; Muhammad Akbar Chaniago; Muhammad Salman Husairi +1 more

Filosofi : Publikasi Ilmu Komunikasi, Desain, Seni Budaya 2024 Asosiasi Seni Desain dan Komunikasi Visual Indonesia

This research examines the consumptive style of Gen Z through TikTok Shop in purchasing fashion products, especially clothes. The background of the research focuses on the dominance of social media that influences the consumption patterns of the younger generation. The research uses a phenomenological approach to understand students' experiences in shopping at TikTok Shop. Data collection techniques include observation and in-depth interviews. The results show that TikTok Shop utilizes personalization algorithms, creative video content, and massive promotions to attract the attention of Gen Z. Purchasing decisions are often influenced by trends, influencer recommendations, and discounts that create a FOMO (Fear of Missing Out) effect. While offering convenience and an interactive shopping experience, this impulsive consumption pattern poses the risk of product quality disappointment and unplanned spending. The implications of this research highlight the need for consumer education to raise awareness about wise shopping. In addition, industry players are expected to design ethical and sustainable marketing strategies to support more rational consumption behavior. 

Andreas Pandu Prasetya; Alfin Lazuardy Nur; Yusrizal Abdul Khamid; Muhammad Zahraan Sakti

Jurnal Ekonomi, Akuntansi, dan Perpajakan 2024 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study examines the influence of Perceived Ease of Use and Promotion on the use of the GoPay application towards the Consumptive Behavior of undergraduate students in the Faculty of Economics at Universitas Negeri Jakarta. In the digital era, electronic wallets like GoPay have become popular due to their ease of use and various attractive promotions offered. This study employs a quantitative method by collecting data through a survey questionnaire distributed to 50 students who are GoPay users. Multiple linear regression analysis was used to test the research hypotheses. The results indicate that both Perceived Ease of Use and Promotion have a positive and significant effect on Consumptive Behavior among students. Perceived Ease of Use has an effect of 0.309, while Promotion has an effect of 0.319 on Consumptive Behavior. These findings confirm that ease of use and effective promotions can enhance Consumptive Behavior among students. This research is expected to provide insights for more prudent financial management among students and more effective promotional strategies for electronic wallet service providers.

Nurul Hidayat; Alvina Alvina

ARDHI : Jurnal Pengabdian Dalam Negri 2024 Asosiasi Riset Pendidikan Agama dan Filsafat Indonesia

Nowadays technology is developing rapidly, one of which is gadget. Gadget is one of the physical forms of technology that always develops from year to year. Besides having uses and facilitating human life. Excessive use of gadgets has many adverse effects on health and development and growth in early childhood. This can happen because of the impact that can trigger excessive consumptive behavior. In addition, it also causes children to become introverted or more closed due to lack of social interaction. This socialization aims to provide education about gadgets in early childhood in order to realize quality education. Although technology was originally created to produce a positive impact, on the other hand technology also has a negative impact. For example, like gadgets. Gadgets can have a negative impact such as online game addiction which is bad for children's physical and psychological health. The dangers posed by the use of gadgets are a serious concern to be addressed immediately in order to minimize the negative impact of gadget use on early childhood, especially on children in elementary school. This socialization was conducted for 1 day at SDN 020 Tarakan and was attended by 28 students of class 4A at SDN 020 Tarakan. With this socialization, it is hoped that children will be able to understand the negative impact of using gadgets and it is proven by children who are able to answer questions.

Fahrezi, Mochamad Zaky; Balqis, Siti Rania; Rahmawati, Deliana; Azzahra, Aulira Mahel Putri

Jurnal Bintang Pendidikan Indonesia 2024 Pusat Riset dan Inovasi Nasional

This study aims to analyze the influence of income, financial literacy, and Fear of Missing Out (FOMO) on the consumptive behavior of students who use Shopee from an Islamic perspective. The research employs a quantitative approach with data collected through questionnaires distributed to Shopee-using students, utilizing a Likert scale of 1–5. The sampling technique applied is accidental sampling, and data analysis is facilitated by SPSS software. The results reveal that the Adjusted R Square value of 13% indicates that income, financial literacy, and FOMO explain 13% of the variance in students' consumptive behavior, while the remaining 87% is influenced by other factors not included in the study. Simultaneous testing shows an F-value of 5.420 with a significance of 0.002, confirming that the three independent variables significantly affect students' consumptive behavior. Notably, financial literacy and FOMO have significant impacts on students' levels of consumption. This study contributes to the literature on consumptive behavior in the context of Islamic values and provides practical guidance for students to manage their consumption wisely. Additionally, the findings offer valuable insights for e-commerce platforms to design more responsible marketing strategies aligned with Islamic principles.