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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.

Consumptive behavior is the activity of spending one's finances based on desires without thinking about needs and not accompanied by logical decision making. Consumptive behavior is commonplace among students and staff at a university, they always follow current trends and make purchases because of attractive promotions. The aim of this research is to find out the influence of the use of online shops, digital promotions, lifestyle and self-control on the consumer behavior of the FEBI UIN Jambi Academic Community. This research was carried out using a quantitative descriptive approach and carried out direct observations in the field, as well as using the SPSS 29 tool. The results of this research were that there was no significant influence on the variables of online shop use and self-control on consumer behavior because the results obtained were 0.340 > 0.05 and 0.728 > 0.05, but in the digital promotion and lifestyle variables there is a significant influence on consumer behavior because the results obtained are 0.001 > 0.05. And a simultaneous influence was found between the variables of online shop use, digital promotions, lifestyle and self-control on consumer behavior. And there is a joint influence of the variables of online shop use, digital promotions, lifestyle and self-control on consumer behavior. And the influence of variables X1 (Use of Online Shop), X2 (digital promotion), X3 (lifestyle) and This  

The role of financial literacy is very important in improving family welfare, especially in managing household income and expenses. Housewives, as the main manager of family finances, need a deep understanding of how to manage finances wisely. This educational program is designed to provide and improve the understanding of housewives in Klambir 5 Medan city about financial literacy. The activity methods used in this service include the presentation of financial literacy material accompanied by relevant examples, conducting interactive discussions and questions and answers to participants, and providing recommendations for financial strategies in realizing household financial welfare. Then provide assistance, and evaluate financial management practices carried out by participants in Klambir 5 Medan City in managing their household finances. The results of the program showed a significant increase in the participants' ability to manage family budgets, saving habits, and reduction of consumptive debt. The researcher also proposes a sustainable empowerment model to strengthen the impact of the program in various communities.

Islamic boarding schools are educational institutions that are free from credit or financing practices. Islamic boarding schools are free from online loans, currently many santri are trapped in online loans. The purpose of this study is to analyze in depth the santri who have online loans, the reasons for making online loans, and how to pay off these loans. This research uses a descriptive qualitative approach based on the phenomenon with the aim of obtaining sample data results in the field. Comprehensive surveys and interviews were conducted with santri who have online loans at boarding schools. The sample consisted of 40 santri and, we conducted the data collection using a semi-structured questionnaire. The results of this study show that most santri can obtain online loans and each santri uses online loans for consumptive needs and not for productive needs, thus having a negative effect on the educational process at boarding school.

Islamic banking in Indonesia has experienced significant growth alongside increasing public interest in financial products that comply with Islamic principles. However, in practice, there are still challenges that prevent Islamic banking products and services from fully meeting Sharia standards. Some of the issues include the use of wadiah contracts in current accounts, which deviate from their original concept of safekeeping; the application of murabahah contracts for financing consumptive goods, which contradicts their intended purpose; the frequent misuse of ijarah muntahia bit tamlik (IMBT) contracts for speculative purposes; and mudharabah contracts with unfair profit-sharing ratios. Additionally, factors such as a lack of understanding of Islamic finance, competitive pressure from conventional banks, inadequate supervision, and differing interpretations of Sharia law further hinder the implementation of fully Sharia-compliant products and services. To resolve these challenges, various efforts are needed, including enhancing the quality of human resources through education and training, implementing stricter supervision by relevant authorities, developing clearer and more comprehensive operational standards, and fostering closer collaboration with Islamic scholars for accurate legal guidance. These steps are expected to help Islamic banking fully adhere to Sharia principles, increase public trust, and support the growth of the Islamic finance industry.

This study aims to determine the influence of financial knowledge, consumptive behavior, self-control influence financial management behavior. This research focused on K-Pop fans in Jakarta.This research is quantitative in nature. The method used in this study is descriptive verificative. The sampling method applied is non-probability sampling, characterized by purposive sampling. The study gathered 195 respondents as samples, with data collection conducted through questionnaires distributed via Google Form on social media. The data was processed using SPPS 23, with data analysis methods including data quality testing,stastical data analysis, classical assumption tests, multiple linear regression test, and hypothesis testing. The results of this study show that the variables of financial knowledge and consumptive behavior partially have a significant influence on financial management behavior. Meanwhile, the self-control variable, when tested partially, has no significant effect on financial management behavior.

Digitalization in the payment system has brought significant changes in people's behavior, including among generation Z (Gen-Z). One of the most prominent innovations is the Quick Response Code Indonesian Standard (QRIS), which offers convenience, speed, and accessibility in transactions. This study aims to analyze the impact of implementing QRIS payments on the financial planning culture of Gen-Z, known as the digital native generation. This study uses a quantitative approach with a survey method on a number of respondents from Gen-Z. The results of the study show that the use of QRIS has positive and negative impacts on their financial planning habits. On the one hand, QRIS makes it easier to manage daily financial transactions, such as automatic recording and easy cashless payments. On the other hand, this convenience also has the potential to increase consumptive behavior due to too fast access and minimal direct control over spending. This study highlights the importance of financial education to increase Gen-Z's awareness in using technology wisely to support better financial planning.  

Based on observations, most students at STKIP Majenang use m-banking because of the factors of speed, convenience, and convenience in transactions. Because of these factors, they choose to use e-commerce for shopping to meet their needs. However, not everyone can control themselves when they see a variety of interesting items, so they often khilaf and buy goods outside of need. This study aims to determine the influence of the use of mobile banking and e-commerce on the consumptive behavior of STKIP Majenang students, both partially and simultaneously. This study uses a quantitative type of research approach. The population in this study is all students of STKIP Majenang who have mobile banking and e-commerce applications, amounting to 79 people. Sampling in this study used saturated samples, where all populations were sampled. Data collection techniques in this study are observation, interviews, and questionnaire distribution. Multiple regression tests showed significance values of 0.285 > 0.05 and calculated t values of 1.077 < t values of tables of 1.991. The results of the hypothesis test (partial test), where the significance value is 0.03 < 0.05 and the calculated t value is 3.045 > t table 1.991. In the calculation of the correlation coefficient obtained, the F count is 7.176 > F table is 3.12, and the significance level is 0.001 < 0.05 The results showed that there was no influence between mobile banking and student consumptive behavior. However, there is a positive and significant influence between e-commerce and consumptive behavior. And there is a significant influence between mobile banking and e-commerce on student consumptive behavior

This research discusses the influence of financial technology (Fintech) on the financial management of Generation Z, a generation that is familiar with digitalization and has a consumptive lifestyle. Generation Z, which accounts for around 27.94% of Indonesia's population, exhibits financial behaviors that tend to be more concerned with wants than needs. Through a literature review, this research explores how Fintech affects Generation Z's financial behavior, including the challenges that arise, such as shopping addiction and debt risk. Fintech offers easy access to financial services, such as digital payments, investments and online lending, allowing Generation Z to manage their finances more flexibly. However, their low financial literacy may result in suboptimal financial management. This study highlights the importance of financial literacy as a key factor to help Generation Z achieve sustainable financial well-being and respond to the challenges of Fintech development in the digital era

In Indonesia, the use of digital payments is increasingly widespread, especially among the younger generation. Along with the increasing use of digital payments, it has also made people in Indonesia become more consumptive.  It is important to understand the factors that influence consumer behavior in using these services. This research aims to analyze the influence of the use of digital payments and service quality on the consumer behavior of the people of Bandar Lampung, by considering the role of consumer trust as a mediating variable. This research uses descriptive research methods with a quantitative approach. The research population is people who live in Bandar Lampung City, while the sample consists of 96 respondents. The sampling technique uses non-probability sampling with a sampling technique, namely the purpose sampling technique. The data analysis method uses Partial Least Square (PLS) and then the data obtained is processed using SmartPLS 4 software. The research results show that there is an insignificant negative influence between digital payment variables on consumer behavior. There is a positive and significant influence between digital payment variables on consumer trust. There is an insignificant positive influence between service quality and consumer behavior. There is a positive and significant influence between service quality and consumer trust. There is an insignificant positive influence between the consumer trust variable on consumer behavior. Trust does not mediate the relationship between digital payments and service quality on consumer behavior.

The spiritual aspect of believers will be influenced by what they see. Those who watch various available shows, especially Korean dramas, are often not selective and gradually become more engrossed and immersed in various Korean drama shows. The purpose of this study is to provide an overview or concept for Christian women in the age range of 50 to 65 years regarding the impacts of watching Korean dramas on their spiritual lives and to see the Bible's perspective on this issue. This study uses a descriptive qualitative method with a hermeneutic approach to see the relevance of the interpretation of Titus 2:3-5 with the title of this journal. The results of this study are that Christian women aged 50 to 65 years will spend more time because Korean drama shows that bewitch viewers, making this group vulnerable to being infiltrated with a consumptive lifestyle or way of life because of the impact of watching shows and potentially distancing them from their social spiritual life in church. Therefore, it is necessary to limit time and be willing not to get carried away and immersed when watching various Korean drama series on several paid stations. And demand their awareness to be an example taught in the verses in Titus 2:3-5.

This study aims to analyze the role of fintech as a mediator in the influence of economic literacy on impulsive buying behavior among consumers. Economic literacy is considered an important factor that can influence consumer purchasing behavior, especially in making wise financial decisions. However, technological advances in the financial sector, especially fintech, have also played a role in facilitating impulse buying behavior through the ease of digital transactions and quick access to financial services. This study uses a quantitative approach with a survey method involving 250 respondents. The data was analyzed using a path analysis model to evaluate the direct influence of economic literacy on impulse buying, as well as the mediation role played by fintech. The results show that economic literacy has a negative influence on impulsive buying behavior, but fintech plays a significant role as a mediator that strengthens impulse buying tendencies, even though individuals have good economic literacy. These findings have implications for the development of financial literacy policies and fintech regulations to reduce the risk of consumptive behavior in the digital era.

Consumptive behavior is the behavior of buying goods that are less necessary to fulfill personal satisfaction so that someone no longer distinguishes between needs and wants. The offers presented by e-commerce can be a risk for Udayana University students because they see it as an opportunity to tend to buy goods that may not be essential. When viewed physically, women tend to have more needs than men. So consumptive behavior must be accompanied by an understanding of the knowledge of managing money well. Financial literacy is very useful for students to avoid consumptive behavior. This study aims to see the effect of the use of e-commerce and financial literacy on the consumptive behavior of Udayana University students. The number of samples used in this study was 400 samples. The analysis techniques used were descriptive analysis techniques and Partial Least Squares (PLS) analysis. The results of this study indicate that the use of e-commerce has a positive and significant effect on the consumptive behavior of Udayana University students. This means that there is a unidirectional relationship between the variable of e-commerce use and the variable of consumptive behavior. Meanwhile, financial literacy has a negative effect on the consumptive behavior of Udayana University students. This means that there is a non-unidirectional relationship between the literacy variable and the consumer behavior variable.

This study aims to identify and analyze the strategies for strengthening Micro, Small, and Medium Enterprises (MSMEs) and sharia financial literacy in Tanjung Gusta Village through the implementation of digital promotion. The village has many untapped MSME potentials, with major challenges in market access and sharia financial understanding. Digital promotion and sharia financial literacy training were provided to business owners to enhance their ability to expand market reach and manage finances according to sharia principles. The research method used includes observation, in-depth interviews, and case studies. The results indicate that the implementation of digital promotion through social media significantly increased MSME product visibility, while sharia financial literacy helped business owners improve financial management, reduce consumptive behavior, and avoid financial risks that are not aligned with sharia principles. This strategy is considered effective in strengthening MSMEs and empowering the community in a sustainable manner.

The development of technology and information is currently very influential in all aspects of life, for example the use of social media is not only used as a means of obtaining information but social media is widely used as a means of doing business call an online shop. The development of technology, there are many online buying and selling sites where in it gathers many online shops into one site that makes it easier for buyers to get the items they want with various promos that attract students to shop on the site. In this study, researchers want to know how the development of E-Commerce affects the consumptive behavior of Madiun State Polytechnic students. The method used in this study is descriptive qualitative method with a sample of 105 Madiun State Polytechnic students by distributing questionnaires. The results show that of the 105 samples taken, it can be seen that the biggest influence on students' consumptive behavior towards E-commerce is due to the promo or discount factor provided by E-commerce sites at the beginning of the month. 

Along with ongoing economic changes and globalization, people's shopping behavior is also changing. Sometimes, someone buys something not because of need, but just for pleasure. This leads to wastefulness known as consumptive behavior. This research aims to determine the differences in consumptive behavior based on gender among students of the Faculty of Economics at Muhammadiyah University of Gresik. This type of research is quantitative research. The participants in this research numbered 285 students. The measuring instrument used is the consumptive behavior scale (Fromm, 1995). The statistical analysis method used is comparative analysis with chi-square testing. The results of this research show no difference in consumptive behavior between male and female students with a significance value of 0.840 > 0.05. The data categorization results show that the majority of subjects are at a moderate level of consumptive behavior, with a percentage of 72% for male students and 73% for female students. It is hoped that both male and female students can manage their finances as well as possible by saving and prioritizing needs over wants.

Productive zakat is one of the instrument potential Islamic philanthropy in empowerment economy society, especially UMKM actors. Research This aiming For developing a model for empowering Micro, Small, and Medium Enterprises (MSMEs) based on productive zakat at Collection Agency (BAZNAS) of Pekanbaru City. Research This using approach qualitative with method studies cases in BAZNAS Pekanbaru City. Data collected through interview in-depth, observation, and documentation. Research results show that zakat is productive can become solution strategic in development of MSMEs with provide business capital, mentoring and training for mustahik. The proposed empowerment model covering a number of stages , namely identification mustahik potential , assessment eligibility effort , giving capital assistance , mentoring efforts , and evaluation sustainability business . Implementation of this model expected can increase capacity and independence economy mustahik, and optimize management of productive zakat at BAZNAS. With development of this model , BAZNAS Pekanbaru City expected can more effective in operate his role as institution zakat managers who do not only focuses on the distribution of consumptive zakat , but also plays a role active in empowerment economy people through productive zakat . Research This give contribution practical and theoretical in field Islamic philanthropy and empowerment economy, as well as become reference for other zakat institutions in optimize productive use of zakat For support growth of MSMEs.  

This research aims to find out how much influence Shopee promotions have on consumer behavior among STAIN Mandailing Natal Sharia Business Management students. The sample used came from 75 MBS students using a purposive sampling method. The approach used is quantitative and in collecting primary data observation and questionnaire methods are used. Meanwhile, the data analysis that researchers used in this research was analysis using validity and reliability tests, classical assumption tests, simple linear regression tests and hypothesis tests, namely the t test and R Square test (with the help of the SPSS Version 24 program). The results of the research show that there is an influence of shopee promotional variables on consumer behavior among Mandailing Natal Sharia Business Management Students. Shown by the significance value of t 0.000 which is smaller than sig = 0.05 (0.000>0.05) the value of R = 0.629 and R Square = 3.96 means that Shopee promotion is able to explain the dependent variable or consumer behavior of 0.396 x 100 = 39.6 message while the other 60.4 percent is explained by other variables. Based on the research results, it can be concluded that Shopee promotions have a positive and significant effect on consumer behavior with a value of tcount < ttable or tcount > ttable (6.916 < 1.666 or 6.916 > 1.666). There is a positive and significant relationship between Shopee promotions and consumer behavior among students.

The dairy industry seeks to increase consumption through various marketing strategies, because from BPS data in 2020, the level of milk consumption in Indonesia is still low. The aim of this investigation was to analyze the impact of brand ambassadors, sales promotion, social media marketing, consumptive behavior, brand trust, also halal labels on purchasing decisions for Ultra Milk x ITZY products. This investigation uses a quantitative approach with a questionnaire instrument filled out by 245 respondents, where the data is analyzed using normality, heteroscedasticity, multicollinearity, validity, reliability, also multiple linear regression analysis tests. The outcome showed that all independent variables, namely the impact of brand ambassadors, sales promotion, social media marketing, consumptive behavior, brand trust, also halal labels had a significant impact on purchasing decisions both partially also simultaneously. Overall, these variables influence purchasing decisions by 92.4%. This study concludes that these marketing factors play an crucial role in impacting consumer decisions to buy dairy products, also can be used as a reference to improve marketing strategies in an effort to increase milk consumption in Indonesia.

The consumer behavior of university students is an intriguing phenomenon to explore given the dominant influence of social media and evolving lifestyles among students. This study aims to investigate the relationship between social media usage, lifestyle, and financial literacy on the consumer behavior of students in Surakarta City. The research employed a quantitative approach, collecting data from 97 active student respondents using social media from several universities in Surakarta City. A structured questionnaire was used to gather data on variables such as social media usage, lifestyle, financial literacy, and student consumer behavior.The data analysis results indicate a significant positive correlation between social media usage and student consumer behavior. Additionally, a consumptive lifestyle also positively influences student consumer behavior. However, financial literacy does not show a positive influence on student consumer behavior in Surakarta City. These findings underscore the importance of financial literacy education among students as a preventive measure against the negative effects of social media usage and consumptive lifestyles.The implications of this study can serve as a basis for developing educational programs and policies aimed at enhancing awareness and financial skills among students.