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All Journal Journal of Governance Journal of Islamic Banking
Agus Wahyu Irawan
Universitas Al-Hikmah Indonesia
Economics, Econometrics & Finance Social Sciences

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THE IMPACT OF A CONSUMPTIVE LIFESTYLE ON THE ECONOMIC STABILITY OF MILLENNIALS Agus Wahyu Irawan; Misbahul Khoir
Journal of Islamic Banking Vol. 5 No. 2 (2024): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

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Abstract

Millennials, as a dominant demographic group in the global economy, are significantly influenced by modern consumerist tendencies. This study explores the impact of a consumptive lifestyle on the economic stability of millennials, focusing on their financial management, saving patterns, and long-term economic security. The research highlights that the pervasive influence of social media, advertising, and peer pressure has exacerbated impulsive spending habits, reducing the financial resilience of millennials. By analyzing various factors, such as income levels, debt accumulation, and investment preferences, the study uncovers the challenges faced by millennials in achieving sustainable financial growth. Furthermore, the findings emphasize the need for effective financial literacy programs to counteract the negative effects of consumerism, enabling millennials to make informed financial decisions. This study concludes by recommending practical strategies to balance lifestyle aspirations with economic stability, aiming to foster a more sustainable approach to personal finance among millennials.
When Scale Does Not Matter: Zakat Governance Practices in a Micro Level Amil Zakat Institution Mufti Faqih Ali; Haqiqotus Sa'adah; Agus Wahyu Irawan; Ita Marianingsih
Journal of Governance Volume 11 Issue 2: (2026)
Publisher : Universitas Sultan Ageng Tirtayasa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62870/jog.v11i2.38262

Abstract

This study examines the implementation of the Zakat Core Principles (ZCP) in a micro-scale Amil Zakat Institution (LAZ) in Singgahan Tuban, a setting rarely addressed in zakat governance research. The analysis centers on endogenous principles ZCP 15–18, covering sharia supervision, financial reporting, transparency, and the prevention of misuse. Using a qualitative–interpretive approach, data were gathered through interviews, structured observations, and document analysis, and examined using thematic analysis. The findings show that LAZ Singgahan is able to apply ZCP-aligned governance despite limited resources. Sharia oversight functions effectively through an active Sharia Supervisory Board, while internal auditing is maintained through SOP-based procedures, routine monitoring, and responsive corrections. Financial reporting follows PSAK 109 with clear separation of zakat and non-zakat funds. Transparency is upheld through accessible documents and public communication channels, validated through field checks. Risk management and fraud prevention also operate effectively. Overall, the study affirms that governance quality depends on consistent internal mechanisms rather than institutional scale and provides the first comprehensive evidence of ZCP implementation in a micro-level LAZ.
Co-Authors Haqiqotus Sa'adah Ita Marianingsih Misbahul Khoir Mufti Faqih Ali