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All Journal Jurnal El-Riyasah : Jurnal Kepemimpinan dan Administrasi Transformatif JOURNAL OF BUSINESS AND ECONOMICS RESEARCH (JBE) Jurnal Cahaya Mandalika Jurnal Ekonomika dan Bisnis Islam Journal of Sustainable Economics Review of Islamic Social Finance and Entrepreneurship eJEBA
Suprayitno, Aryadimas
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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PENGARUH LITERASI KEUANGAN DAN PENDAPATAN PERKAPITA TERHADAP KONSUMSI RUMAH TANGGA DI INDONESIA: ANALISIS EKONOMI ISLAM Wahab, Abd; Suprayitno, Aryadimas; Athallah Susanto, Arva; Rusgianto, Sulistya
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 2 (2025): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n2.p20-35

Abstract

The decline in people's purchasing power and weakening household consumption growth in recent years pose serious challenges for the Indonesian economy. Financial literacy and income inequality are thought to be factors that influence people's consumption behavior. This study aims to analyze the effect of financial literacy and per capita income on household consumption in Indonesia from an Islamic economic perspective. A quantitative approach was used with panel data regression analysis through the Fixed Effect Estimated Generalized Least Squares (EGLS) model. The data used was secondary data from 34 provinces in Indonesia for the three periods of 2016, 2019, and 2022, sourced from the Financial Services Authority (OJK) and the Central Statistics Agency (BPS). The results of the study show that financial literacy and per capita income have a positive and significant effect on household consumption, which means that the higher the level of literacy and income, the greater the level of consumption. These findings emphasize the importance of improving financial literacy as an effort to strengthen household financial welfare. From an Islamic economic perspective, the results of this study emphasize the importance of fair, balanced, and socially oriented consumption behavior as a manifestation of the implementation of the maqashid sharia principle, which will encourage wiser and more sustainable household financial management.
Co-Authors Akhmad Kusuma Wardhana Asya'bani, Nispia Athallah Susanto, Arva Hasibuan, Widya Sartika Indirwan, Syanisma Khansa Judijanto, Loso Masrukhan, M. Rusgianto, Sulistya Samsul Arifin Sholikah, Nia Mariatus Siti Zulaikha Stephanny Inagama Timisela, Stephanny Inagama Susanto, Arva Athallah Tika Widiastuti Wahab, Abd Wahyu Ario Pratomo Weni Hawariyuni, Weni YASMITA, I GUSTI AYU LIA