Perilaku Konsumtif dalam Menggunakan Kartu ATM Ditinjau dari Perspektif Ekonomi Islam

Abstract

: The use of payment instruments in the form of money and checks has long been used by humans. In its development, the use of the two payment instruments turned out to be less practical and unsafe. Various non-cash or electronic payment instruments began to appear in various forms, one of which was ATM. With the ease of using the ATM card, it causes consumptive behavior among the community, especially among students. This study aims to determine the use of ATM cards for students and to find out how the consumptive behavior of students using ATM cards is viewed from the perspective of Islamic economics at IAIN Pekalongan. The method used in this research is descriptive qualitative. The research location is IAIN Pekalongan. Data collection techniques used in this study were interviews with fifteen students using ATM cards. The results of this study indicate that the motivating factors for ATM card ownership among students are the use of technology, convenience and security. Consumption behavior carried out by students is not fully in accordance with consumption behavior according to the perspective of Islamic economics. Which consumption made by students tend to show consumptive behavior. This consumptive behavior is the act of buying goods that are less or not taken into account so that they become excessive.