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All Journal Jurnal EMT KITA al-Afkar, Journal For Islamic Studies International Journal of Educational Review, Law And Social Sciences (IJERLAS) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) AJAD : Jurnal Pengabdian kepada Masyarakat Management Science Research Journal International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Journal of Accounting Research, Utility Finance and Digital Assets (JARUDA) International Conference on Health Science, Green Economics, Educational Review and Technology (IHERT) MEDALION JOURNAL: Medical Research, Nursing, Health and Midwife Participation Kreativitas Pada Pengabdian Masyarakat (Krepa) Lentera JURISTA : Jurnal Hukum dan Keadilan JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Jurnal Malikussaleh Mengabdi kawanad Future Academia : The Journal of Multidisciplinary Research on Scientific and Advanced Malik Al-Shalih Journal of International Islamic Law, Human Right and Public Policy Jurnal Dedikasi Abdi Masyarakat
Fuadi
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INFLUENCE OF FINANCIAL LITERACY, LIFESTYLE, AND SOCIAL MEDIA ON THE CONSUMPTIVE BEHAVIOR OF GENERATION Z STUDENTS IN THE FACULTY OF ECONOMICS AND BUSINESS FROM AN ISLAMIC ECONOMIC PERSPECTIVE Tarisa Zikria Maghfira; Yulius Dharma; Munardi; Fuadi
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 5 No. 4 (2025): August
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v5i4.3874

Abstract

This study aims to analyze the influence of financial literacy, lifestyle, and social media on the consumptive behavior of Generation Z students in the Faculty of Economics and Business at Malikussaleh University from an Islamic economic perspective. Generation Z is known for its high tendency toward consumptive behavior due to the intensive use of social media, modern lifestyles, and low financial literacy. This research uses a quantitative approach with a survey method by distributing questionnaires to 100 respondents selected through purposive sampling. The data were analyzed using multiple linear regression to test both partial and simultaneous effects of the independent variables on consumptive behavior. The results show that partially, financial literacy has a negative and significant effect on consumptive behavior, indicating that higher financial literacy reduces students' consumptive tendencies. Meanwhile, lifestyle and social media usage have positive and significant effects, meaning the higher the lifestyle orientation and social media intensity, the greater the level of consumptive behavior. Simultaneously, all three variables significantly affect consumptive behavior. From the perspective of Islamic economics, excessive consumption (israf) is prohibited, as it contradicts the principles of moderation and balance in consumption. This study recommends strengthening Islamic financial literacy education from an early age to reduce consumptive behavior and build students' awareness to adopt rational and responsible consumption practices in accordance with Islamic principles as outlined in the Qur'an.
PHENOMENA AND IMPLICATIONS OF FINANCIAL TECHNOLOGY (FINTECH) ADOPTION IN THE FINANCIAL & BANKING INDUSTRY SECTOR IN GLOBAL, REGIONAL AND INDONESIAN CONTEXT Fuadi; Munawar Rizki Jailani; Hafas Furqani; Baihaqi
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 5 No. 6 (2025): December
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v5i5.3974

Abstract

Abstract
DESIGN OF CRYPTOCURRENCY INVESTMENT TRANSACTION MODEL AS AN EFFORT TO INCREASE STATE REVENUE THROUGH DIGITAL ASSET INSTRUMENT RATES AND TAXES IN INDONESIA Mohd. Heikal; Rico Nur Ilham; Muammar Khaddafi; Fuadi; Muhammad Multazam; Fauzi Pakpahan
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 3 No. 6 (2023): December
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v3i6.1305

Abstract

This research will discuss the design of cryptocurrency transaction models as an effort to increase state income. The main factor that must be met in order to be legal in Indonesia is special regulations related to cryptocurrency. Developing special regulations related to cryptocurrency is actually an important step for the Indonesian state. For example, in developed countries such as the United States, Japan and Singapore, tax regulations related to cryptocurrency have been prepared. Especially at this time, technological developments, especially digital or virtual systems, are very rapid. So it can be predicted that various new virtual currencies that are similar or even more sophisticated and more complex than the ones that exist today will continue to emerge in the future. Determining the basis for tax levies for Cryptocurrency digital assets needs to be done based on the virtual currency units or also based on their value when converted to foreign currency such as rupiah or USD. Apart from that, it is also necessary to classify the type of tax that will be imposed on Cryptocurrency, whether it will be the object of income tax (PPh 21), profit income tax on exchange rate differences or income tax on capital gains (PPh article 4 paragraph 2) or VAT. This research actually started with attention to the many demands from Bitcoin users in Indonesia who wanted to have legal protection rights in the cryptocurrency transaction process, because in several other countries such as Singapore Bitcoin has become a legal financial investment option and is regulated and supervised by the government and the State Financial Authority. the. So the researcher intends to study in more depth how the Cryptocurrency transaction system can be supervised and controlled by the government, so that later a "Legal Cryptocurrency" Regulation can emerge with a "Digital Asset Transaction Tax" quotation system to be able to accommodate several interests of the Indonesian public and government.
Co-Authors Ade Ridwan Aditya Candra Agustinar, Agustinar Ahmad Fauzul Hakim Hasibuan Ahmad Nurrohim Aida Aini, Intan Nur Alfiyatul Azizah Amru Usman Andri Andri Nirwana AN Arinanda Arliansyah Arlianyah Ayu, Sari Bambang Permadi Chuzaimah Batubara Damanhur Deny Sumantri Mangkuwinata Dia Maulani Putri Eko Sedayu Epi Safira Erna Isfayani Falahuddin Falahuddin Hasballah Farid Bastian Fauzan, Asrul Fauzi Pakpahan Futia Liza Hafas Furqani Hamdani Hanif Hasan, Nazli Hermawan, Riski Hidayat, Muthia Aulia Husni Pasarela Ichsan Ichsan Ijal Fahmi, Ijal Ika Waraztuty Imam Aji Cahyono Iqbal, Taufiq Irada Sinta Isfayani, Erna Ismail Isniati Berasa Jamil, Afwan Juanda, Reza Khairani, Aulia Febri Khairawati Khairisma, Khairisma Lutfiyanto, Ahmat Luthfi Zainul Muktashi M.Agus Mirna Mohd. Heikal Muammar Khaddafi Mufid, M. Nuzul Mufid, Muhammad Nuzul Muhammad Daud Muhammad Hafizh Muhammad Multazam Muhammad Ramadhan Muhammad Yani Mukhlish M. Nur Mukhlish Muhammad Nur Munardi Munawar Rizki Jailani Muthia Aulia Hidayat Muthoifin Muttaqien Nazli Hasan Neisya Mahardika Prananda Nilahayati Nurlaila, Rizka Permadi, Bambang Prananda, Neisya Mahardika Puspitaningrum, Rani Putri, Dia Maulana Putri, Inggit Utami Eka Rahmaniar Razali, Ramadhan Reza Juanda Rico Nur Ilham Rico Nurilham Rini Julistia Rizkia, Rini Rusydi Abubakar Said Aandy Saida Saifudin Santriani Br Bancin Saputra, Rian Shavab, Firli Sufi Sufian Suri Sulkhan Fajar Affani Susilawati, Deti Syamsul Rizal Tahara Dilla Santi Tarisa Zikria Maghfira Teuku Alfiady Thasrif Murhadi Tinara Rama Dhani Wahyuddin Wilda Khaira Wiza Ulfa Fibarzi WULANDARI Yeti Dahliana Yulius Dharma Yunina Zanti, Marni Zonyfar, Candra Zuheri Zurriyani