ANALYSIS OF CONSUMPTION PATTERNS OF MILLENNIAL MUSLIM ENTREPRENEURS USING E-WALLETS IN THE DIGITAL ERA
Keywords:
Consumption Patterns, Millennial Muslim Entrepreneurs, E-wallet, Digital Era
Abstract
This study aims to explore the impact of E-wallet technology on the consumption patterns of millennial Muslim entrepreneurs in Bone Regency after using E-wallets in the digital era. The research method employed is field research using a qualitative approach, with observation and interviews as data collection techniques. The study identifies consumption patterns concerning primary, secondary, and tertiary needs among millennial Muslim entrepreneurs. The findings indicate that millennial Muslim entrepreneurs in Bone Regency exhibit adaptive consumption patterns in response to E-wallet adoption, prioritizing essential needs over desires, which aligns with Islamic consumption principles. This digital transformation significantly affects their habits, making E-wallets the primary payment method and changing how they meet primary needs such as food and clothing, as well as secondary needs like transportation and business capital. E-wallets also influence their spending patterns, increasing out-of-home activities and contributing to tertiary needs such as vacations and shopping through promotions and cashback. The research shows that E-wallet adoption not only creates a more efficient consumption pattern but also positively impacts business growth, fosters a technology-responsive environment, and encourages changes in consumption behavior that align with contemporary developments while upholding Islamic values.
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References
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Andriana, Ana Noor, Finnah Fourqoniah, and Adietya Arie Hetami. "Strategies to maintain business existence in the face of changes in consumption patterns and people's behavior during the Covid-19 pandemic." JMM (Journal of Independent Society) 6, no. 1 (2022): 601. https://doi.org/10.31764/jmm.v6i1.6540.
Ariyandi, M Rizki, Dwi Karsanty, Meisya Maulid Qurrotaayun, and Lambung Mangkurat University. "Electronic Wallets in an Islamic Perspective." Journal of Religion: Journal of Religion, Social, and Culture 1, no. 5 (2023): 149–56. https://doi.org/https://doi.org/10.55606/religion.v1i5.267.
Aulia Puspita Ningrum. "Preferences of Young Entrepreneurs in the City of Bandung in the Decision to Choose Asset Forms: Gold, Stocks and Deposits." Journal of Economics and Business Sciences, 2023, 11–14. https://doi.org/10.29313/jrieb.v3i1.1803.
Aurelita, Mira, Audrey Azka Bilqis, Melian Sahara, Ariq Naufal, and Attalah Suhanda. "2024 Madani: A Multidisciplinary Scientific Journal of Legal Protection for Consumers in the Use of DANA E-wallets for Digital Transactions 2024 Madani: Multidisciplinary Scientific Journal" 2, no. 5 (2024): 606–11.
Ayunda Febri Kinanti, Muhammad Syahrul Maulana, and Muhammad Yasin. "Analysis of consumption patterns in Indonesia as an indicator of improving people's welfare." Digital Business: Journal of Management Science and E-Commerce Publication 3, no. 2 (2024): 19–32. https://doi.org/10.30640/digital.v3i2.2430.
Cinta Rahmi, Elpira Pebrian, Fidha Nabila, Muhammad Thariq Aziz, and Al Fuji Istiqamah. "Analysis of Consumer Behavior of Islamic Community Development Students Class A Semester 4 Towards Fashion Public Figure Trend Products Reviewed from Islamic Consumption Theory." Journal of Business and Management Economics 2, no. 3 (2024): 09–16. https://doi.org/10.59024/jise.v2i3.710.
Diva, Mega, and Mochammad Isa Anshori. "The Use of E-wallets as Digital Transaction Innovations: Literature Review" 2, no. 6 (2024): 1991–2002.
Efrizal, Wiwin. "ADOLESCENT PERCEPTIONS AND CONSUMPTION PATTERNS DURING THE COVID-19 PANDEMIC." EKOTONIA: Journal of Biology, Botany, Zoology and Microbiology Research 5, no. 2 (December 2020): 43–48. https://doi.org/10.33019/ekotonia.v5i2.2106.
Farhani, Hilma, Raihan Raihan, and Ratih Ayu Sekarini. "Millennial Generation Consumption Patterns in Online Shopping (E-Commerce) During the Covid 19 Pandemic." Performance: Journal of Economics and Business 4, no. 1 (2022): 32–40. https://doi.org/10.34005/kinerja.v4i1.1700.
Fauzi, Ahmad, and Muh Arif. "Analysis of the Management of Islamic Boarding School-Owned Enterprises (BUMP) in Meeting the Needs of Students at the Hubulo Gorontalo Islamic Boarding School." Al-Buhuts 16, no. 1 (2020): 67–79.
Handayani Dewi, Dyah, M Dimyati Sudja, and Nova Riandi. "Analysis of Factors Influencing the Community in Using Emok Bank Services in Cilember Village, Cisarua District." Journal of Public Power 6, no. 2 (2022): 113–21. https://doi.org/10.32492/jpp.v6i1.6106.
Harapah, Ahmadsyrifuddin. "The Influence of Income, Number of Family Members and Education on the Consumption Patterns of Poor Households in Sugai Kanan District, South Labuhanbatu Regency, North Sumatra Province." State Islamic University of North Sumatra, 2021.
Hermawan, Endang, and Rini Sulastri. "Community Empowerment: The Importance of Meeting Basic Community Needs." Distinction: Journal of Digital Society 1, no. 3 (2023): 1–6.
Ministry of Religion of the Republic of Indonesia. "QS. Al-A'raf [7]: 35." Nuonline, 2024. https://quran.nu.or.id/al-a'raf/31.
———. "QS. Al-Furqan [25]: 67." Nuonline, 2024. https://quran.nu.or.id/al-furqan/67.
———. "Qs. Albaqarah [2] : 168." Nuonline, 2024. https://quran.nu.or.id/al-baqarah/168.
Khairin, Fibriyani Nur, Divka Andini, Sabina Erawan, and Agus Setiawaty. "Education on the Use of E-Money and E-wallet as Noncash Payment Tools in the Digital Era." Journal of Community Service Mandala 4, no. 2 (2023): 386–92.
Lsstari, Liviana Miftah, Uly Aunil Asyura, Vaza Zahiduz Zaka, and Rini Puji Astuti. "Warehouse of Multidisciplinary Journals: Challenges and Opportunities for Central Bank Transformation in the Digital Era" 2 (2024): 618–28.
Luthfi, Raihanah. "Islamic Theory of Consumer Behavior and Endorsement." COMSERVA : Journal of Research and Community Service 4, no. 1 (2024): 213–20. https://doi.org/10.59141/comserva.v4i1.1344.
Maghfi, Princess. "Analysis of Consumption Patterns According to Islamic Economic Perspective (Case Study on Residents of Ponorogo Putri Boarding House)." Lisyabab : Journal of Islamic and Social Studies 2, no. 2 (2021): 185–98. https://doi.org/10.58326/jurnallisyabab.v2i2.93.
Mourizka, Aghnisha Veny, and Ria Haryatiningsih. "Consumption Patterns of Generation Z of E-wallet Users in the City of Bandung." Bandung Conference Series: Economics Studies 3, no. 1 (2023): 45–54. https://doi.org/10.29313/bcses.v3i1.5887.
Nurul Wahida Aprilya, Idris Parakkasi, Sudirman. "Consumer Behavior in Islamic Economics." ADILLA: Journal of Sharia Economics 7, no. 2 (2024): 151–69.
Oktaviana, Indah, M. Fadhli Nursal, and Dewi Sri Wulandari. "The Effect of Ease of Use Perception, Risk Perception, and Service Features on Interest in Using Shopeepay in Bekasi City." Journal of Economy 2, no. 10 (2023): 2806–22. https://doi.org/10.55681/economina.v2i10.905.
Prasetyaningrum, Galuh, Finda Nurmayanti, and Fallya Azahra. "Factors Influencing Information Systems Ethics: Morals, Social Issues and Community Ethics (Literature Review Sim)." Journal of Education and Social Sciences Management 3, no. 2 (2022): 520–29. https://doi.org/10.38035/jmpis.v3i2.1115.
Praundrianagari, Salsabiila Baswoko, and Hendry Cahyono. "Consumption Patterns of K-Popers Students Related to the K-Pop Lifestyle of Surabaya Students." Independent: Journal of Economics 1, no. 2 (2021): 33–40. https://doi.org/10.26740/independent.v1n2.p33-40.
Putri, Lieke Aisha, Narulita Syarweni, and Zahrotul Risya Firdaus. "Changes in Indonesian Consumption Patterns During the Covid-19 Pandemic." Media Economics 21, no. 2 (2021): 51–58. https://doi.org/http://dx.doi.org/10.30595/medek.v21i2.10980.
Ramadhan Alsyukri, Muhammad. "The Influence of Convenience, Lifestyle and Consumptive Behavior on E-wallet Use Decisions During the Covid-19 Pandemic." Malangkucecwara College of Economics, 2021.
Rusbianti, Clarashinta Sophisticated; Meyta Amelia. "E-wallet and Islamic Consumption Behavior (A Study on the People of Surabaya)." Scientific Journal of Islamic Economics, 9, no. 01 (2023): 516–24.
Sakina, Aura Putri, and Metasari Kartika, Rio Laksamana. "The Use of E-wallets from the Perspective of Islamic Economics." Journal of Integral Economics 14, no. 2 (2024): 263–77. htt://journal.stieip.ac.id/index.php/iga.
Sparx, Asian Insights. "Indonesia Consumption Basket." DBS Group Research, 2022, 1.
Syaparuddin. Islamic Microeconomics. Islamic Microeconomics, 2017.
Wicaksono, Johan Wahyu. "Changes in Indonesian Consumption Patterns During the Covid 19 Pandemic." Dinar : Journal of Sharia Economics Study Program 6, no. 1 (2022): 51. https://doi.org/https://doi.org/10.61088/dinar.v6i1.472.
Published
2025-05-23
How to Cite
ARISKA, A., SYAHRAENI, S., & KARYPONO, O. (2025). ANALYSIS OF CONSUMPTION PATTERNS OF MILLENNIAL MUSLIM ENTREPRENEURS USING E-WALLETS IN THE DIGITAL ERA. ADILLA : Jurnal Ilmiah Ekonomi Syari’ah, 8(2), 17-33. https://doi.org/https://doi.org/10.52166/adilla.v8i2.7335
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