Wandhasari, Dhiyah ayu (2025) Literasi Financial Technology Dan Upaya Pencegahan Perilaku Berhutang Pada Pinjaman Online Bagi Calon Pengantin Muslim Di Wilayah Sidoarjo Perspektif Maqashid Syariah. Undergraduate thesis, Universitas Hayam Wuruk Perbanas.
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Abstract
This study examines financial technology literacy and efforts to prevent debt behavior through online loans among Muslim prospective brides and grooms in Sidoarjo from the perspective of Maqashid Syariah. The rapid development of digital financial services has made online loans more accessible, offering convenience but also carrying financial risks. Many prospective couples rely on online loans to cover wedding expenses without fully understanding the financial consequences and principles of Maqashid Syariah, which emphasize financial responsibility and avoiding excessive debt (israf). This research employs a qualitative approach with data obtained through interviews with Muslim prospective brides and grooms in Sidoarjo. The findings reveal that financial technology literacy among them is still relatively low, leading to impulsive borrowing decisions. Although online loans provide short-term financial relief, they often result in long-term financial burdens that contradict the principles of Maqashid Syariah, particularly in aspects of wealth preservation (hifzhul maal). To mitigate debt risks, increased financial literacy and awareness of responsible financial planning based on Islamic principles are essential. This study highlights the need for educational initiatives and financial guidance to promote responsible financial behavior among Muslim prospective couples.
| Item Type: | Thesis (Undergraduate) |
|---|---|
| Subjects: | 300 - SOCIAL SCIENCE > 330 - 339 ECONOMICS > 332 - FINANCIAL ECONOMICS 300 - SOCIAL SCIENCE > 330 - 339 ECONOMICS > 336 - PUBLIC FINANCE |
| Divisions: | Bachelor of Islamic Economic |
| Depositing User: | DHIYAH AYU WANDHASARI |
| Date Deposited: | 02 May 2025 08:29 |
| Last Modified: | 02 May 2025 08:29 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/13530 |
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