Nor Mohammad Maulana* 

Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Madura, Pamekasan

Fahrurrozi 

Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Madura, Pamekasan

Moh Rizal Alfarisi 

Faculty of Economics and Administrative Sciences, Karabuk University, Karabuk, Turkey 

DOI: https://doi.org/10.19184/bisma.v19i2.53720

ABSTRACT 

This article aims to examine the consumptive behavior of Islamic boarding school students in the implementation of cashless payments at the Madura Islamic Boarding School, from the perspective of maqashid syariah, which should be in line with the principles of Hifdz ad-din, Hifdz an-nafs, Hifdz al-aql, Hifdz an-nasl, and Hifdz al-maal. This study employs a qualitative approach using field research methods, including semi-structured interviews and observations. The population in this study consists of active students, administrators, teachers, and alumni from the Mambaul Ulum Bata-Bata Pamekasan, Al-Amien Prenduan Sumenep, and Nazhatut Thullab Sampang Islamic Boarding School. Data was analyzed descriptively to identify patterns of consumer behavior and the impact of the implementation of the cashless payment system. The results of the study indicate that students tend to exhibit consumptive behavior, particularly in the purchase of fashion items, snacks, and skincare products, influenced by both internal and external factors. The implications of this research emphasize the importance of financial literacy and an understanding of the objectives of Islamic law to minimize excessive consumptive behavior among students, as well as to promote better financial management. 

Keywords: cashless payment,  consumtive behavior, islamic boarding schools, maqashid sharia, students.

ABSTRAK

Artikel ini bertujuan untuk mengkaji perilaku konsumtif santri di dalam penerapan cashless payment di Pondok Pesantren Madura, dengan perspektif maqashid syariah yang seharusnya selaras dengan prinsip Hifdz ad-din, Hifdz an-nafs, Hifdz al-aql, Hifdz an-nasl, Hifdz al-maal.  Penelitian ini menggunakan pendekatan kualitatif dengan metode field research, yang melibatkan wawancara semi-terstruktur dan observasi. Populasi dalam penelitian ini ialah santri aktif, pengurus, asatidz, dan alumni dari pondok pesantren Mambaul Ulum Bata-Bata Pamekasan, Al-Amien Prenduan Sumenep, dan Nazhatut Thullab Sampang. Data dianalisis secara deskriptif untuk mengetahui pola perilaku konsumtif dan dampak penerapan cashless payment system. Hasil kajian menunjukkan bahwa santri cenderung berperilaku konsumtif, terutama dalam pembelian fashion, snack, dan produk skincare, yang dipengaruhi oleh faktor internal dan eksternal. Implikasi dari hasil penelitian ini menekankan pentingnya literasi keuangan dan pemahaman maqashid syariah untuk meminimalisir perilaku konsumtif yang berlebihan di lingkungan santri, serta mendorong manajemen keuangan yang lebih baik. 

Keywords: cashless payment,  maqashid syariah, perilaku konsumtif, pondok pesantren, santri.