Pengaruh Penggunaaan Digital Payment System dan Persepsi Masyarakat Muslim Terhadap Perilaku Konsumtif Masyarakat Muslim

Fina Hidayanti; Rio Laksamana; Windhu Putra

doi:10.51195/iga.v14i2.364

Pengaruh Penggunaaan Digital Payment System dan Persepsi Masyarakat Muslim Terhadap Perilaku Konsumtif Masyarakat Muslim

Fina Hidayanti, Rio Laksamana, Windhu Putra

Abstract

The use of digital payment systems has attracted attention as an effective and efficient way to facilitate financial transactions. This type of fintech allows financial transactions to be carried out online and offline using electronic devices. This study aims to identify the extent to which the use of digital payments affects the consumptive behavior of Muslim communities. The research method used in this study uses quantitative descriptive research methods. The population in this study is the Muslim community in Pontianak which amounted to 518,952 people. In this study there are ten (10) indicators, so it is ideal to use samples 7 times from the indicators, namely 70 samples or as many as 70 Muslim communities in Pontianak. The results showed that the use of digital payment systems and perceptions of Muslim communities can have a simultaneous and significant influence on consumer behavior

Full Text:

PDF

References

Ajib, W. H. M. (2022). An Application of Fintech for A Modern Islamic Financial Industry: Challenges and Practical Solutions. Al-Muhasib: Journal of Islamic Accounting and Finance, 2(2), 167–192. https://doi.org/10.30762/almuhasib.v2i2.238

Artika, D., & Shara, Y. (2021). Analisis Peran Financial Technology dalam Meningkatkan Keuangan Inklusif Pada UMKM Kota Medan. Indonesian Journal of Business Analytics, 1(2), 237–248. https://doi.org/10.54259/ijba.v1i2.78

Databoks. (2023). Tren Belanja Pakai Uang Elektronik Tumbuh 1.

Fachrurazi. (2022). FINTECH DALAM KEUANGAN ISLAM.

Hendarsyah, D. (2016). Penggunaan Uang Elektronik Dan Uang Virtual Sebagai Pengganti Uang Tunai Di Indonesia. IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita, 5(1), 1–15. https://doi.org/10.46367/iqtishaduna.v5i1.74

Imani, S., Hasanah, M., Ika, A., Kartawinata Rustandi, B., Jarullah, Riyaldi, M. H., Qamaruddin, M., Muhammad, H., Mahriani, E., Febriyani, D., Lucky, N., Sari, N., Yetti, F., & Febrianty, M. L. (2023). Fintech Syari’ah.

Kuntjojo. (2009). Pengambilan sampel. 76.

Lestarina, E., Karimah, H., Febrianti, N., Ranny, R., & Herlina, D. (2017). Perilaku Konsumtif di Kalangan Remaja. JRTI (Jurnal Riset Tindakan Indonesia), 2(2), 1–6. https://doi.org/10.29210/3003210000

Mubarak, D. A., Akhmadi, M. H., & Wati, E. N. (2022). Implementasi Sistem Aplikasi Pembayaran Digital Payment Dalam Pelaksanaan Pembayaran Berbasis Cashless di Masa Pandemi Covid-19. Jurnal Manajemen Keuangan Publik, 6(2), 115–122. https://doi.org/10.31092/jmkp.v6i2.1699

Mujahidin, A., & Astuti, R. P. F. (2020). Pengaruh Fintech e-wallet Terhadap Perilaku Konsumtif Pada Generasi Millennial. Inovbiz: Jurnal Inovasi Bisnis, 8(2), 143. https://doi.org/10.35314/inovbiz.v8i2.1513

Muliati, M., Busari, A., & Noor, A. (2021). Dampak pembayaran non tunai terhadap perekonomian indonesia. Inovasi, 17(January 2010), 466–475. https://journal.feb.unmul.ac.id/index.php/INOVASI/article/view/9857%0Ahttps://journal.feb.unmul.ac.id/index.php/INOVASI/article/download/9857/1378

Nugraha, S. L., & Fauzia, I. Y. (2021). Peran e-wallet dalam penghimpunan zakat, infak, dan sedekah (Studi kasus pada ovo, go-pay, dana, dan link-aja). Journal of Business & Banking, 11(1), 1–5. http://link.springer.com/10.1007/978-3-319-59379-1%0Ahttp://dx.doi.org/10.1016/B978-0-12-420070-8.00002-7%0Ahttp://dx.doi.org/10.1016/j.ab.2015.03.024%0Ahttps://doi.org/10.1080/07352689.2018.1441103%0Ahttp://www.chile.bmw-motorrad.cl/sync/showroom/lam/es/

Puspitasari, S. D., Islam, E., Surabaya, U. N., Indrarini, R., Islam, E., & Surabaya, U. N. (2021). Jurnal Ekonomika dan Bisnis Islam E-ISSN: 2686-620X Halaman 64-74. 4(2011), 64–74.

Ramadhan, F. (2021). Peran Fintech Dalam Meningkatkan Iklusi Keuangan Syariah Pada UMKM di Kota Makassar (Studi Kasus Pada Aplikasi Paytren). Madinah : Jurnal Studi Islam ISSN, Vol.8(No.2,).

Ryan, Cooper, & T. (2013). Pengaruh Keamanan Terhadap Minat Penggunaan Aplikasi Digital Payment ShopeePay. Paper Knowledge . Toward a Media History of Documents, 7(2), 12–26.

Siregar, Z. H. (2023). KAJIAN STRATEGI SISTEM PEMBAYARAN DIGITAL BOGOR AGUSTUS 2023 KAJIAN STRATEGI SISTEM PEMBAYARAN DIGITAL.

Sugiyono. (2014). MANAJEMEN KELAS YANG EFEKTIF. 2, 44–57.

Triyanti, N. I., & Effendi, U. (2017). Jurnal Manajemen Bisnis CONSUMER BEHAVIOR : CONFIDENCE FASHION PRODUCTS USERS INSTAGRAM APPLICATIOS. Jurnal Manajemen Bisnis, 6(1), 51–56.

Wahidah, N., Herkulana, & Achmadi. (2014). Pengaruh Teman Sebaya Terhadap Gaya Hidup Mahasiswa Pendidikan Ekonomi Fkip Untan. Jurnal Pendidikan Dan Pembelajaran Khatulistiwa, 3(6), 1–12.

Wijayanti1, A., Wijayanti, A., & Samrotun, Y. C. (2016). Pengaruh Karakteristik Perusahaan, Gcg Dan Csr Terhadap Penghindaran Pajak. Seminar Nasional IENACO –, 2337–4349.

Yolanda. (2019). TINJAUAN UMUM TENTANG FINANCIAL TECHNOLOGY, PERLINDUNGAN KONSUMEN DAN OTORITAS JASA KEUANGAN. 2(1), 22–53.

Yusri, A. Z. dan D. (2020). Penerapan Prinsip Syariah Pada Fintech Peer to peer Lending Syariah yang Terdaftar Di Ojk Perspektif Ekonomi Syariah. In Jurnal Ilmu Pendidikan (Vol. 7, Issue 2).

DOI: https://doi.org/10.51195/iga.v14i2.364

Refbacks

There are currently no refbacks.

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Jurnal Ekonomi Integra is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Username
Password
Remember me