{"id":336787,"date":"2025-01-02T09:01:53","date_gmt":"2025-01-02T02:01:53","guid":{"rendered":"https:\/\/unair.ac.id\/syariah-economics-expert-offers-financial-management-tips-amid-discount-euphoria\/"},"modified":"2025-01-02T11:01:56","modified_gmt":"2025-01-02T04:01:56","slug":"syariah-economics-expert-offers-financial-management-tips-amid-discount-euphoria","status":"publish","type":"post","link":"https:\/\/unair.ac.id\/en\/syariah-economics-expert-offers-financial-management-tips-amid-discount-euphoria\/","title":{"rendered":"Syariah Economics expert offers financial management tips amid discount euphoria"},"content":{"rendered":"\n

UNAIR NEWS<\/strong> \u2013 The new year\u2019s discount season is a much-anticipated time for shoppers, but the thrill of shopping can disrupt financial stability if not approached with caution. Professor Dr. Tika Widiastuti, SE, MSi, a Syariah Economics expert from UNAIR\u2019s<\/a> Faculty of Economics and Business, has shared practical guidelines to maintain financial health during this discount frenzy.<\/p>\n\n

Distinguishing needs from wants<\/strong><\/h4>\n\n

Prof. Widiastuti emphasized that the cornerstone of effective financial management is understanding the distinction between needs and wants. “As consumers, it is essential to allocate spending towards fulfilling needs rather than succumbing to mere desires,” she explained.<\/p>\n\n

She explained that genuine needs are defined by their utility and tangible benefits. \u201cWhat we purchase should bring blessings and add value to our lives without distancing us from Allah,\u201d she remarked. <\/p>\n\n

To help make this distinction, she recommended using the Islamic hierarchy of needs: Dharuriyah<\/em> (essential), Hajiyat<\/em> (supportive), and Tahsiniyat<\/em> (complementary). \u201cEssential needs like food, transportation, and shelter must be fulfilled first before allocating funds for other expenditures,\u201d she advised.<\/p>\n\n

Practical financial allocation guidelines<\/strong><\/h4>\n\n

Prof. Widiastuti outlined a simple formula for managing income effectively. The first step, she noted, is prioritizing charitable giving. \u201cDonating 10% of your income can open greater opportunities for sustenance,\u201d she said. She recommended allocating 40% of income to cover essential living expenses, including food, transportation, and household needs. An additional 30% should go toward paying productive debts or installments, with the remaining portion saved for emergency funds or investments. <\/p>\n\n

\u201cEmergency funds are vital to maintaining financial stability during unforeseen circumstances. Meanwhile, investments provide a pathway to long-term financial growth,\u201d she noted. She also warned against the pitfalls of a high-cost lifestyle, which often drains finances without offering substantial benefits.<\/p>\n\n

Tackling trends and FOMO wisely<\/strong><\/h4>\n\n

In today\u2019s digital era, following shopping trends has become easier than ever, making impulse buying a significant risk. Prof. Widiastuti warned about the financial strain caused by overspending to keep up with trends. \u201cWith so many media channels promoting trends, we must be more discerning in our spending. Avoid letting the fear of missing out (FOMO) disrupt your financial well-being,\u201d she cautioned.<\/p>\n\n

To mitigate these risks, she advised consumers to plan their purchases carefully by setting a budget before shopping. While discounts can be appealing, it\u2019s important to resist the urge to buy unnecessary items.<\/p>\n\n

By focusing on essential needs, proportionally allocating income, and resisting the temptation of extravagant lifestyles, individuals can safeguard their financial stability while enjoying shopping responsibly.<\/p>\n\n

\u201cFinancial health is a long-term investment. Be wise in managing money to lead a more peaceful and blessed life,\u201d she concluded.<\/p>\n\n

Author: Sintya Alfafa<\/p>\n\n

Editor: Khefti Al Mawalia<\/p>\n","protected":false},"excerpt":{"rendered":"

UNAIR NEWS \u2013 The new year\u2019s discount season is a much-anticipated time for shoppers, but the thrill of shopping can disrupt financial stability if not approached with caution. Professor Dr. Tika Widiastuti, SE, MSi, a Syariah Economics expert from UNAIR\u2019s Faculty of Economics and Business, has shared practical guidelines to maintain financial health during this […]<\/p>\n","protected":false},"author":79,"featured_media":336757,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[48,50],"tags":[14797,178,168],"class_list":["post-336787","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-experts","category-news-en-2","tag-discount","tag-unair-en","tag-universitas-airlangga-en"],"yoast_head":"\nSyariah Economics expert offers financial management tips amid discount euphoria<\/title>\n<meta name=\"description\" content=\"Thrill of shopping can disrupt financial stability if not 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