Proceeding of The International Conference on Economics, Accounting, and Taxation
Vol. 3 No. 1 (2026): Proceeding of the International Conference on Economics, Accounting, and Taxati

Analysis of Students' Financial Literacy in the Perspective of Islamic Economics : Case Study of Sirojuth Tholibiin Islami Boarding School

Mangzillatur Rohmah (Unknown)
Hardining Estu Murdinar (Unknown)



Article Info

Publish Date
30 Jun 2026

Abstract

This study aims to analyze the financial literacy of students in the perspective of Islamic economics at the Sirojuth Tholibiin Islamic Boarding School. The focus of the research includes students' consumption behavior, factors that affect impulsive buying, and how students manage pocket money in daily life. This study uses a qualitative approach with a descriptive type of research. Data was obtained through interviews, observations, and documentation. The informants in the study consisted of three students, one administrator of the cottage cooperative, and one ustadzah. Data analysis techniques are carried out through data reduction, data presentation, and conclusion drawn. The results of the study show that the level of financial literacy of students still varies. Some students have been able to manage their pocket money by limiting spending and setting aside money to save, but others still show less controlled consumption behavior. Impulsive buying behavior can be seen in the purchase of snacks and light necessities that are carried out spontaneously without careful planning. This behavior is influenced by momentary desire factors, peer influence, attractive product displays, and ease of access to products in cottage cooperatives. From an Islamic economic perspective, excessive consumption behavior falls into the category of israf and tabdzir, so wiser financial management is needed. Therefore, increasing financial literacy is important to help students control spending and implement consumption behaviors in accordance with Islamic values.

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Journal Info

Abbrev

ICEAT

Publisher

Subject

Description

Proceeding of the International Conference on Economics, Accounting, and Taxation, Its a collection of scientific papers or articles that have been presented at the National Research Conference which is held regularly every year by the Indonesian Economic and Accounting Research Association.The ...