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The use of E-Commerce platforms has a significant impact on students' shopping patterns and consumption behavior. This article aims to analyze the factors that influence students in choosing to shop through E-Commerce and its impact on students' consumptive behavior from the perspective of consumption theory and modernization theory. The method used in this research is a qualitative approach, with sources collected through literature studies, data analysis, validity of analysis with data triangulation techniques. The results show that factors such as ease of use, price, product quality, availability of goods, emotional benefits, and tangible evidence influence students in choosing to shop through E-Commerce. The impact is a significant change in students' consumption patterns, which includes satisfaction with purchases, ease of product access, but also uncertainty about future needs and changes in shopping priorities. The implication is the importance of financial awareness and wise financial management skills for university students in dealing with the use of E-Commerce to minimize the negative impacts and maximize the benefits in improving their quality of life.    

Currently, we live with various conveniences, especially when shopping. These conveniences produce many benefits, but there are also some negative impacts, one of which is consumptive behavior. Consumptive behavior is the action of someone who uses or buys something, either goods or services excessively. Usually prioritizing the urge of desire rather than need. This urge of desire is what in the perspective of Sufism psychology according to Frager is something that needs to be minimized, the reason researchers chose Frager's concept of Sufism psychology is because consumer behavior is closely related to nafs, and Frager is a Sufism psychology figure who is most detailed in describing the concept compared to other figures such as Al Ghazali. This study aims to see how consumer behavior is studied in the theory of Sufism psychology according to Robert Frager and how psychospiritualism is applied in minimizing consumptive behavior. The method used in this study is a descriptive qualitative method with a form of library research. According to Frager's study of Sufism psychology, consumptive behavior can be categorized into tyrannical nafs and lawwamah nafs, but consumptive behavior can be reduced when it is in the category of inspired nafs. Meanwhile, consumptive behavior will completely disappear if it is at the level of peaceful nafs, pleased nafs, approved nafs, and pure nafs. The psychospiritual applications that can be applied include: fasting, seclusion, serving brothers, and remembering death.        

This research aims to find out (1) the influence of life style in moderating financial literacy on students' consumptive behavior perspectives, and (2) the influence of life style on students' consumptive behavior perspectives with self-control. as moderator .This type of research is causal associative research using a quantitative approach. The population of this study was 1,100 students from the Class of 2021 UNY (FEB, FMIPA, and FISHIPOL). Sampling was based on the Taro Yamane formula of 294 students. Sampling uses techniques proportionate random sampling. The data collection method used is a questionnaire method which has been tested for validity and reliability with the help of SPSS Statistics 23 . The data analysis technique uses Moderated regression analysis Regression Analysisist (MRA).The research results prove that (1) life style weakens the influence of financial literacy on student consumptive behavior with a regression coefficient value of 0.023 and a sig value of 0.659 > 0.05. (2) life style weakens the influence of self-control on student consumptive behavior with a regression coefficient value of 0.008 and a sig value of 0.796 > 0.05.   Keywords: Financial Literacy, Self Control, Consumptive Behavior, Life Style This research aims to find out (1) the influence of life style in moderating financial literacy on students' consumptive behavior perspectives, and (2) the influence of life style on students' consumptive behavior perspectives with self-control. as moderator .This type of research is causal associative research using a quantitative approach. The population of this study was 1,100 students from the Class of 2021 UNY (FEB, FMIPA, and FISHIPOL). Sampling was based on the Taro Yamane formula of 294 students. Sampling uses techniques proportionate random sampling. The data collection method used is a questionnaire method which has been tested for validity and reliability with the help of SPSS Statistics 23 . The data analysis technique uses Moderated regression analysis Regression Analysisist (MRA).The research results prove that (1) life style weakens the influence of financial literacy on student consumptive behavior with a regression coefficient value of 0.023 and a sig value of 0.659 > 0.05. (2) life style weakens the influence of self-control on student consumptive behavior with a regression coefficient value of 0.008 and a sig value of 0.796 > 0.05.

Peer to peer lending or online loans are online money lending services commonly known as financial technology, which currently generally take the form of applications. Online loans really help people who need fast and easy funds for both consumptive and productive purposes. This service is increasingly mushrooming in Indonesia due to interest from the community itself, resulting in the emergence of illegal online loan apllications which have a detrimental impact on consumers. The normative juridical method used in this research is conducting a literature study on secondary data. The research results show legal protection and the level of effectiveness of supervision for consumers who are harmed by illegal online loan applications.  

Online loans are currently increasingly popular among the public with the development of technology.  The sophistication of this technology has had a very significant impact on the survival of society, which will make people more consumptive through the arrival of electronic or non-cash means of payment, without cash this will create impulsive shopping behavior where someone buys products without planning.  This research aims to analyze the influence of financial knowledge on online loan interest behavior, to determine the influence of financial behavior on online loan interest and to determine financial attitudes towards online loan interest in the Kupang city community.  This research uses primary data by distributing questionnaires online to 100 respondents in Kupang City who are online loan users.  This research uses non-probability purposive sampling.  Data analysis in this research uses multiple linear regression analysis with the results of the research showing that financial knowledge, financial behavior and financial attitudes have a significant effect on interest in online loans among people in Kupang City.

The purpose of this study is to examine how lifestyle choices and pocket money affect the purchasing habits of Muhammadiyah University of Makassar students enrolled in the Faculty of Economics and Business. Using SPSS software version 26, multiple linear regression is the data analysis technique employed. The research data was obtained through primary data collection using proportional random sampling techniques. According to the study's findings, 1) pocket money significantly affects students' purchasing decisions, with a probability value of 0.000 (less than 0.05) for the pocket money variable. 2) Additionally, lifestyle has a considerable impact on consumer behavior, as seen by its 0.000 probability value (less than 0.05).

The phenomenon of globalization is the development of kpop culture which then forms kpop fans dominated by teenagers who tend to do consumptive behavior. Parenting styles is one of the factors that can influence consumptive behavior in children. This study aims to determine the relationship between parenting style and consumptive behavior of adolescent kpop fans at SMP Negeri 92 Jakarta. The method used was quantitative with a sample of 47 teenage kpop fans, sampling using purposive sampling techniques. The results showed  that there is a relationship between parenting styles and the consumptive behavior of teenagers who are kpop fans at SMP Negeri 92 Jakarta.

This research is entitled "Analysis of Mall Culture Preferences in the Consumption Lifestyle of Students", based on several factors that cause students to choose shopping centers or malls as a place to visit frequently. The purpose of this study is to find out how many students have high consumerism. Using qualitative research methods through a phenomenological approach, Baudrillard's sign value consumption theory. Consumerism and consumptive lifestyles among students are influenced by various factors, including social pressure, the desire to obtain a social image that wants to be recognized, and the influence of mall culture.    

This research aims to explore the phenomenon of hedonism among recipients of the Kartu Indonesia Pintar Kuliah (KIPK) scholarship from a new socio-economic perspective. Using a qualitative approach with in-depth interview methods, this study was conducted at Universitas Negeri Jakarta in May 2024. A total of 8 students, both KIPK recipients and non-recipients, were purposively selected as informants. Data collection techniques were carried out through face-to-face interviews or communication media using structured interview guidelines. The data obtained were then thematically analyzed to identify patterns, differences, and key factors influencing the hedonism phenomenon among KIPK recipients. The research results reveal that social pressure, campus environment, social media, ineffective financial management, and lack of financial education are the main driving factors of consumptive behavior among KIPK scholarship recipients. The findings also identify negative impacts such as misuse of funds, social jealousy, and misalignment in the implementation of the scholarship program. This research provides important insights to enhance the effectiveness of financial aid programs through a more holistic and sustainable approach.  

This study aims to analyze the influence of impulsive buying and product quality on consumer satisfaction of generation Z on the Shopee platform in Jambi City. This study is motivated by the phenomenon of Shopee e-commerce which is a favorite in Indonesia, especially among generation Z who have consumptive characteristics and like unique shopping experiences. Data were collected from 96 generation Z respondents using a questionnaire. The results showed that the average respondent's assessment of impulsive buying was 347.87, and for product quality was 376.25. Multiple linear regression tests showed that there was a significant influence between impulsive buying and product quality on consumer satisfaction with an R square value of 0.522, which means that 52.2% of the variation in consumer satisfaction is explained by these two variables. This study is expected to contribute to the development of more effective marketing strategies for e-commerce business actors, especially those targeting the generation Z segment, by understanding the factors that influence impulsive buying decisions and consumer satisfaction levels.

Students at SMK 2 Sampang are a millennial generation that has great potential and productivity but lacks understanding regarding understanding financial literacy. Many of this generation are currently very consumptive, not very sensitive to the environment, do not understand priorities, and rarely understand the correct functions of finance. With this solution, it is hoped that it can overcome the problems faced by students at SMK 2 Sampang, especially regarding financial literacy skills among millennials, who of course are of productive age who will provide performance to our country. The method used in this service uses direct lectures, presentations using Power Point and question and answer sessions. From this activity, all students at SMKN 2 Sampang already understand the importance of financial literacy.

This study aims to examine the impact of financial institutions' involvement on financial sophistication and consumer spending through a literature review. Various relevant studies indicate that financial institutions' involvement through financial education, innovative financial products, and financial literacy can enhance consumers' understanding in making smarter financial decisions. These positive impacts include better spending management and the shift from consumptive spending to long-term investments. However, the success of this involvement is influenced by social, economic, and psychological factors that affect the adoption and effectiveness of financial programs. This study concludes that financial institutions play a crucial role in increasing financial sophistication, but external factors need to be considered for optimal results.

Globalization brings many influences and changes in human life. The rapid dissemination of information obtained through social media can cause change. X account @discountfess as a forum that favolitates the dissemination of information quickly and widely can influence a person's behavior, one of wich is consumprive behavior. This study aims to describe the consumptive behavior of folllwers account @discountfess at social media X, using a descriptive method of quantitative approach. Sampling was accidental sampling with 96 followers @discountfess account. Data collection techniques include observation, questionnaire, documentation and literature study. The results show that the consumptive behavior of followers account @discountfess that causes impulsive purchases in the moderate category of 57%, irrational purchase in the moderate category with a percentage 60% and waste in the high category with a percentage 52%.

Housing problems are an issue that always arises, especially in developing countries. The high demand is not proportional to the supply and ability to provide decent housing. In Indonesia there are around 800 thousand new households every year that need decent housing, while the housing backlog is still at 12-15 million. This article discusses the potential utilization of waqf land for housing provision. This article was written based on literature study. The findings in this article are, there is great potential for utilizing waqf land in Indonesia. First, the number of waqf land in Indonesia is spread across 440,512 locations with an area of 57,263.69 hectares. Second, most of the use of waqf land is still consumptive. The presence of the government to make waqf land more productive is very important and highly anticipated.

The era of Globalization has an impact on the acceleration of technology which affects business transaction media and buying and selling patterns of the community, this encourages people to use business transaction media using the internet in the form of sites and buying and selling application systems or more formally known as e-Commerce and triggers consumptive behavior, especially millennials and Gen Z, but the lack of literature makes a research gap found, namely the Research Evidence Gap. The method used in this research is quantitative by using the SPSS statistical software tool version 27, with a sample of 31 students at Politeknik STIA LAN Jakarta. Data is collected through a questionnaire containing questions about online shopping patterns, ease of access to use and payment on online shopping applications or websites, alternative choices of online shopping applications or websites, online shopping methods, frequency of purchases, factors that influence the emergence of consumptive behavior in students of the Politeknik STIA LAN Jakarta human resource management study program of the apparatus class of 2022. After statistical processing, the result of simple regression analysis is Y = ax + b or Y = 8.516 + 0.429, the T test (Hypothesis), namely T count worth 3.440 is greater than t table worth 2.04523, then H0 is rejected and Ha is accepted, it can be concluded that there is an influence of variable x (the influence of e-Commerce) on variable y (consumptive behavior) and the test of the coefficient of determination (R Square) is 0. 290 This value shows that the influence of the e-Commerce variable on the consumptive behavior of students is 29%, while the rest (71% of student consumptive behavior) is influenced by other variables.

This research analyzes the influence of influencers on purchasing decisions for skincare and makeup products among Generation Z. Data was collected through a questionnaire distributed to 170 respondents. The results show that most of Generation Z follows influencers' social media accounts to obtain product information and recommendations. Influencer reviews have a significant influence on purchasing decisions, with 85.9% of respondents being interested in buying products after seeing influencer reviews. However, 88.8% of respondents still conduct additional research before making a purchase. The presence of influencer reviews can trigger consumptive behavior, with 69.4% of respondents stating so. To overcome this behavior, 87.6% of respondents set a special budget, and 89.4% compare product prices. Nevertheless, 64.1% of respondents spent more than their planned budget, with 60.6% spending more than IDR 200,000 per month on skincare and makeup products. This research concludes that influencers have a significant influence in attracting purchase interest and purchasing decisions among Generation Z for skincare and makeup products.

This research aims to determine the influence of financial literacy, financial behavior, financial attitude, and demographics on consumer behavior among students at the Faculty of Economics and Business, University of 17 August 1945 Surabaya. This research used a questionnaire with a research sample of 100 students, using a purposive sampling technique. Data analysis in this research used multiple regression with the help of the SPSS program.The results of this research show that financial literacy has no significant effect on consumptive behavior, financial behavior has a significant effect on consumptive behavior, financial attitude has a significant effect on consumptive behavior, and demographics has no significant effect on consumptive behavior among students at the Faculty of Economics, University of 17 August 1945 Surabaya.

This thesis is entitled Analysis of Productive Waqf in Azizi Mosque, Jelutung District, Jambi City and aims to find out the analysis of productive waqf, the utilization of productive waqf results and the view of Islamic economics on the analysis of productive waqf in Azizi Mosque, Jelutung District, Jambi City. In this study using a qualitative approach that is useful for providing information on facts and data on the mechanism of analysis of productive waqf Dimasjid Azizi Jelutung District Jambi City, with data collection methods by conducting observations, interviews and documentation. From the results of this study it was found that: (1) Analysis of productive waqf at Dimasjid Azizi from the management aspects of Planning, Organizing, Leading and Controlling, has not gone well. Because of the various problems that occur. (2) The utilization of waqf results carried out is mostly used for consumptive use, especially for religious activities such as recitation, and others. There has been no utilization to improve the economy, in the health sector or other social sectors. (3) the view of the Islamic economy on productive waqf which in its implementation is carried out with a rental system, where the rental of productive waqf assets at the Azizi Mosque is not found to have an element of usury for the delay in payment, even if there is a delay in payment the nazhir gives time and opportunity to pay it.

Consumptive behavior can be said to be the behavior of buying goods without strong consideration and prioritizing desires over needs. Consumptive behavior is influenced by two main factors, including internal factors that cause consumptive behavior including self-esteem, drive, self-concept, and personality. As well as external factors that cause consumer behavior due to social class, culture, reference groups and family. This research aims to determine the influence of peer behavior, use of social media, and lifestyle on the consumptive behavior of students at SMKN 1 Tanjung Jabung Barat for the 2023/2024 academic year. The method in this research is quantitative research. The samples were taken using nonprobability techniques. The sample in this research were class The analysis used is multiple linear regression with the SPSS 27 program. The research results show that peer behavior (X1) partially influences consumptive behavior (Y), social media (X2) partially has no influence on consumptive behavior (Y), lifestyle (X3) partially influences consumptive behavior (Y). Meanwhile, simultaneously the behavior of peers, social media and lifestyle on consumer behavior is 32.9%. And the remaining 67.1% is influenced by other variables outside this research.

Discounts and promotions are the main motivation, while most feel that the financial risks outweigh the benefits. This research aims to highlight aspects of financial risk associated with adolescent consumption choices in the e-commerce era so that this study contains an analysis of the impact of using the "PayLater" option on Shopee on adolescent consumption behavior, focusing on financial implications and usury perspectives. The method used in this study was qualitative and literature with research subjects of adolescents aged 17-21 years. The results of this study show that the use of the "PayLater" option on Shopee affects teenagers' consumption behavior in a complex way. The majority of teenagers have a neutral point of view influenced by friends and Shopee promotions.