Peningkatan Manajemen Keuangan dalam Menghindari Kebiasaan Pinjaman Digital Perspektif Ekonomi Syariah

Abstrak

The rapid advancement of digital technology has significantly transformed various aspects of daily life, particularly in financial transactions through innovations such as Financial Technology (Fintech). This study explores the potential of Islamic financial management in mitigating the adverse effects of digital borrowing and highlights the importance of financial literacy from an Islamic perspective. The research employs a qualitative descriptive method based on literature review, including books, articles, journals, and relevant news. Findings indicate that while Fintech has facilitated financial transactions and introduced new ways of saving, borrowing, and payment, it has also led to increased digital borrowing, which poses risks. Effective financial management, especially from an Islamic perspective, involves planning, managing, and controlling finances in accordance with Sharia principles. The study suggests that understanding and applying these principles can help individuals avoid risky digital borrowing habits and enhance overall financial well-being. The research underscores the need for improving financial literacy related to Islamic finance to promote better financial practices and prevent potential negative impacts of digital borrowing. Recommendations include enhancing financial skills, understanding Islamic financial principles, and applying them in personal and family financial management. This study contributes to the understanding of how Sharia-compliant financial management can foster better financial behaviors and overall financial health.