<![CDATA[This study aims to analyze students financial management based on financial literacy, planning, financial recording, as well as the influence of social and spiritual values, with reference to QS Al-Isra’ 26–27. The study employs a qualitative approach using in-depth interviews with five accounting students from various universities in Surabaya. Data were analyzed by identifying key themes related to financial literacy, recording practices, and the integration of social and spiritual values in personal financial management. The results show that most students possess a basic understanding of financial literacy but still face challenges in consistently applying financial planning and recording. Their sources of financial literacy information mostly come from social media platforms such as TikTok and YouTube. On the social dimension, some students set aside money for sharing with others, although not on a regular basis. Spiritual values also play an important role in financial management, encouraging students to be more cautious and to avoid wasteful spending. The findings indicate the need for more integrative financial literacy programs that combine practical approaches with the internalization of social and spiritual values, enabling students to manage their finances more wisely, responsibly, and in a well-planned manner]]>
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