The Peranan Manajemen Pengelolaan Keuangan Islam Untuk Menghindari Gaya Hidup Shopaholic Sebagai Bentuk Perilaku Konsumtif ( Pada Santriwati Prodi Ekonomi Syari’ah Ponpes Putri Darullughah Wadda’wah)
Unduhan
Perkembangan teknologi dan informasi telah mengubah dunia, kekuatan globalisasi & digitalisasi menyebabkan terjadinya perubahan pola pikir dan pola perilaku. Berbagai macam bentuk perubahan yang terjadi dimasyarakat sangat mempengaruhi kebutuhan hidup manusia dan mengubah pola konsumsi. Kaum kapitalisme berusaha menciptakan citra bahwa orang sukses adalah orang yang mempunyai banyak barang serta mendorong manusia untuk melakukan konsumsi lebih banyak. Semakin banyaknya kebutuhan hidup manusia, semakin menuntut pola terjadinya peningkatan gaya hidup, serta budaya konsumerisme membuat sebagian masyarakat tidak sadar bahwa mereka telah membelanjakan uangnya tanpa perhitungan kembali, rendahnya keinginan untuk menabung & pengetahuan berinvestasi dimasa yang akan datang masih kurang optimal dalam pengelolaannya. Penelitian ini merupakan penelitian deskriptif dengan pendekatan kualitatif. Peneliti akan menguraikan serta mendeskripsikan tentang kehidupan sosial-ekonomi santriwati ponpes Dalwa yang sudah memiliki tujuan keuangan pribadi (saku ) untuk merencanakan, pengorganisir, mengarahkan, serta mengendalikan kegiatan keuangan baik pengeluaran dan pemasukan dengan tujuan membiasakan pola hidup sederhana, tidak konsumtif serta membuat, mengelolah dan merencanakan keputusan belanja & konsumsi selama berada dipondok. Dari hasil analisis data lapangan diperoleh gambaran bahwa penerapan 5 konsep pola perilaku manajemen pengelolaan keuangan Islam yaitu : membelanjakan/mengontrol uang sesuai kebutuhan bukan keinginan, membayar kewajiban tepat waktu, merencanakan keuangan untuk keperluan masa depan/membuat daftar skala prioritas, menabung/menyisihkan uang saku, serta konsumsi yang rasional ( mustahliq al-aqlani ) membelanjakan pendapatan sesuai kebutuhan. Setiap santri diharapkan memiliki kemampuan mengarahkan & mengontrol penggunaan uang saku sebagai solusi atas konsumsi yang irasional cenderung tidak hemat serta menghindari gaya hidup shopaholic.
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