KONSEP ISRAF DAN TABZIR: BATASAN KONSUMSI DALAM MANAJEMEN KEUANGAN ISLAM
Keywords:
Isrāf, Tabdhīr, Consumption Threshold, Islamic Financial Management, Maqāṣid al-Sharīʿah.Abstract
The advancement of the digital era has accelerated a shift in modern lifestyles toward consumerism, hedonism, and flexing, thereby undermining both micro- and macro-level financial stability. This qualitative study employs a library research approach to reconstruct Muslim consumption behavior through the integration of the values of Maqāṣid al-Sharīʿah. Primary data were derived from Islamic religious texts and authoritative Qur'anic exegeses, while secondary data were obtained from the literature on Islamic financial management. Using content analysis and comparative analysis, the study clarifies the distinction between isrāf (excessiveness in lawful consumption) and tabdhīr (wasteful expenditure on futile or sinful purposes). Drawing on Jean Baudrillard's Theory of the Consumer Society, the study identifies the pursuit of sign value for digital prestige as the root cause of excessive consumption. Furthermore, Al-Shāṭibī's Theory of Maqāṣid al-Sharīʿah is employed to formulate dynamic consumption threshold indicators based on the hierarchy of maṣlaḥah (public benefit) and the principle of ʿurf (customary practice). Finally, this normative framework is integrated into an Islamic financial management model based on Monzer Kahf's theory through three operational stages: proportional budgeting that prioritizes the rights of Allah, the implementation of consumption filtered by the principles of halālan ṭayyiban, and the allocation of surplus funds into productive Sharīʿah-compliant investments. This integrative model is expected to serve as a practical guideline for modern society in achieving blessed financial resilience while simultaneously strengthening the national economy.
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