PENGARUH SELF CONTROL DAN FINANCIAL ATTITUDE TERHADAP FINANCIAL MANAGEMENT BEHAVIOR PENGGUNA LAYANAN BUY NOW PAY LATER DALAM PERSPEKTIF BISNIS ISLAM

Andika Fitra adi Winata, Ahmad Zuliansyah, liya Ermawati

Abstract


This study aims to analyze the influence of self-control and financial attitude on financial management behavior, both partially and simultaneously, and how the role of self-control and financial attitude in the perspective of Islamic business. This study uses a quantitative approach method with a descriptive research type. The primary data used was gathered by distributing questionnaires online via Google Forms. The population used in this study were all students studying in Bandar Lampung City. A sample of 100 respondents was obtained using the Non-Probability Sampling formula from Purposive Sampling with the Slovin technique. The results of this study indicate that Self-Control has a significant effect on Financial Management Behavior. Financial attitude also has a significant effect on financial management behavior. Finally, self-control and financial attitude simultaneously significantly affect financial management behavior. From the perspective of Islamic business, this study emphasizes the importance of Self-Control and Financial Attitude in the context of maqashid sharia, especially in maintaining wealth (hifdzul maal). Good Self-Control helps individuals avoid israf (waste) and tabdzir (waste) behavior, as explained in Q.S. Al-Isra: 26-27.

Tujuan penelitian ini adalah untuk menganlisis pengaruh self-control dan financial attitude terhadap financial management behavior baik secara parsial maupun simultan, serta bagaimana peran self control dan financial attitude dalam perspektif bisnis Islam. Penelitian ini menggunakan metode pendekatan kuantitatif yang berjenis penelitian deskriptif. Data yang digunakan adalah data primer dengan menyebarkan kuesioner secara online melalui google form. Populasi yang digunakan dalam penelitian ini adalah seluruh mahasiswa yang berkuliah di Kota Bandar Lampung. Sampel sebanyak 100 responden didapatkan dengan menggunakan rumus Non Probability Sampling yang diambil dengan cara Purposive Sampling dengan teknik Slovin. Hasil penelitian ini menunjukkan Self Control berpengaruh signifikan terhadap Financial Management Behavior. Kemudian Financial Attitude juga berpengaruh signifikan terhadap Financial Management Behavior. Lalu yang terakhir Self Control dan Financial Attitude secara simultan berpengaruh signifikan terhadap Financial Management Behavior. Dari perspektif bisnis Islam, penelitian ini menegaskan pentingnya Self Control dan Financial Attitude dalam konteks maqashid syariah, khususnya dalam menjaga harta (hifdzul maal). Self Control yang baik membantu individu menghindari perilaku israf (pemborosan) dan tabdzir (penghamburan harta), sebagaimana dijelaskan dalam Q.S. Al-Isra: 26-27.


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DOI: https://doi.org/10.56486/kompleksitas.vol14no1.779

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