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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.

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.

Digital transformation has reconstructed the marketing landscape, presenting TikTok as a narrative and affective space in shaping consumption decisions. This study investigates the interaction between Storytelling Marketing (STM), Electronic Word of Mouth (e-WOM), and Fear of Missing Out (FOMO) in mediating One Piece comic purchase intention. With a PLS-SEM approach to 385 respondents, it was found that STM and e-WOM not only have a direct impact on purchasing decisions, but also form a psychological resonance in the form of FOMO which strengthens consumptive urges. TikTok in this case is not just a medium, but an affective field where perceptions, emotions, and social impulses intertwine, blurring the line between narrative and economic decisions. This finding confirms the role of content strategy as a construction of meaning that activates symbolic ownership through collective emotional urgency.

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).

Globalization is a phenomenon that brings major changes in various aspects of life, including in the field of Islamic education. This article aims to examine the impact of globalization on the Islamic education system, the challenges and opportunities faced, and strategies for strengthening Islamic education in the midst of global currents. The research method used is a literature study with a qualitative approach. The results of the study show that globalization has an ambivalent impact on Islamic education, which on the one hand opens wide access to science and technology, but on the other hand brings serious challenges related to moral decline, consumptive culture, and identity crisis among the younger generation. Strategies that can be implemented include prophetic approaches, reinventing the Islamic education system, and supporting institutional transformation and human resources. This research recommends that Islamic education not only survive the globalization, but also be able to play an active role in shaping civilization rooted in Islamic values.

Waste management is increasingly critical due to the rising waste generated by community activities driven by a consumptive lifestyle. A key solution to this issue is the implementation of waste bank programs, though community participation and operational efficiency remain challenges, as seen with the Bangkitku Waste Bank in Jambi City. This study focuses on designing the user interface for the Bangkitku Waste Bank Information System using the design thinking method and evaluating the usability of the prototype. The design process followed the five stages of design thinking: empathize, define, ideate, prototype, and test, with data collected through interviews and observations. The analysis involved tools such as empathy maps, user personas, sitemaps, and user flows, with prototypes created using Figma. Usability testing was conducted with 10 participants, including administrators and customers, resulting in high usability scores—98 for administrators and 97 for customers. The majority of participants found the system easy to use, as indicated by responses on the Single Ease Question (SEQ) survey. The prototype met key usability criteria, improving both operational efficiency and community engagement in waste bank management. The findings demonstrate the system's potential to foster sustainable environmental practices and enhance the effectiveness of waste bank management.

Descriptive research involving 75 Gen Z on Gen Z's concerns about their parents' economic and financial conditions in retirement concluded that 86.7 percent of Gen Z were worried about their parents' economic and financial conditions in retirement, while 13.3 percent of Gen Z were not worried. As many as 66.7 percent of Gen Z were not sure that their parents would be financially free in old age, while 33.3 percent of Gen Z were sure that their parents would be prosperous in retirement. The implication is that if Gen Z is already working and is forced to help their parents' economy, then 53.3 percent of Gen Z are willing to help their parents' retirement by 10% of their salary. This means that 1 in 2 Gen Z are only willing to set aside 10% of their salary to help their parents in retirement. As a solution to Gen Z's concerns about their parents' economic conditions during retirement, ways to overcome this include: 1) the need to have sufficient retirement savings, 2) maintaining health so that it does not decline during retirement, 3) avoiding a consumptive lifestyle, 4) not depending on their children, and 5) avoiding the occurrence of a sandwich generation.

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. 

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.   

A wasteful lifestyle makes it difficult for a person to limit excessive or unnecessary spending, this lifestyle leads to excessive spending. According to the Surakarta Book, Solo City has a population in 2023 of around 526,870 people, while Generation Z, which is the focus of this research, has an age range of 15-24, totaling 81,524 people consisting of 41,584 men and 40,040 women. This research uses quantitative data with the number of samples in this study is 100. All data and information for this study were collected from primary sources through questionnaires or questionnaires. Lifestyle has a significant effect on consumptive style with the t test results showing t count of 6,851 with a significant 0.000. It is known that the t value of the variable count is greater than the t table 1.98472 and the significance is less than 0.05. Based on these results, Lifestyle has a positive effect on Consumptive Style.

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.

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. 

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.

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.

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.

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. 

The issue of nazir waqf, which is still traditional-consumptive due to lack of knowledge about waqf and poor human resources, is one of the obstacles in the implementation of waqf legislation. The problem of naziran will be discussed in this article, along with its definition, tupoksi, professional nazir standards, challenges, and solutions. The findings of this study lead to the conclusion that morality, management, and business, along with other additional information and insights, are necessary for professional nazirs. Professional Nazirs also need to have human skills, technical abilities, and interpersonal skills. Other challenges include expertise, coaching, recruitment, incentives, competencies, and supervision. In addition, the paradigm shift and the existence of Nazir are some of the solutions that can be applied, such as associations, the establishment of Nazir schools, and the improvement of Nazir welfare. The guidance and supervision of Nazir Waqf is carried out by the Minister and the Indonesian Waqf Board, with the aim of improving professionalism and ethics in the management of waqf. Improving the quality of professional nazir is expected to have an impact on increasing the productivity of waqf assets, increasing public trust, and making a real contribution to economic and social development.

This aims to find out and analyze the factors that influence impulse buying among Milopi Boutique consumers in Pontianak City. This research uses qualitative research methods with research subjects as consumers of the Milopi Shop boutique. The sampling technique is purposive sampling with data analysis techniques in this research being data reduction, display and verification. The results of this research show that there are 4 factors that influence impulsive buying: 1. Shopping Lifestyle 2. Fashion Involvement 3. Pre-Decision Stage 4. Post Decision Stage. The shopping lifestyle of Milopi Shop boutique consumers can be categorized into consumptive and hedonistic groups. This is reinforced by the high shopping interest of Milopi Shop boutique consumers with an average of 1-2x a month. Apart from that, their interest in shopping apart from the motif, style or style of good clothes is the quality of the materials used in the clothes. The biggest factor that influences Milopi Shop boutique consumers to shop is their own environment. This environment can include neighbors, friends, friends, artists and TikTok influencers who have the same taste in clothing as them. Sales and discounts also play a big role in the high level of impulsive buying at the Milopi Shop Boutique. After purchasing the goods, Milopi shop boutique consumers did not check/evaluate the goods again for fear of changing their minds.  

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.

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.