Cahsless Society on GoPay: An Islamic Economic Perspective

Dita Zafani(1*), Moh. Musfiq Arifqi(2)

(1) Universitas Islam Negeri Sunan Ampel
(2) STAIM Terate Sumenep
(*) Corresponding Author

Abstract

Technological developments have led to massive Cashless Society activities among the public, especially in GoPay transactions. Indonesian people, who are predominantly Muslim, have started to shift their payment system from cash to cashless transactions. Therefore, the study of Islamic economics is important to see this phenomenon. The qualitative-descriptive research methodology was used by researchers to examine this research. A standard general procedure of library research is done to obtain data from several scientific papers in the form of books, magazines, journals, articles, documentation and other relevant media. The results of this study state that the Cashless Society's activities through GoPay transactions can be said to be in accordance with the principles of Islamic economics. This can be proven in the transaction that there is no party that loses money between the customer and the service provider, and there is no interest in the transaction. In addition, the Cashles Society can provide convenience in transactions between economic actors, as well as a more reliable guarantee of security.

Keywords

Cashless Society; GoPay; Indonesia; Islamic Economics

Full Text:

PDF

References

Abdul Karim, 2013, Hukum Bisnis Syariah dalam Al-Quran, Jakarta: AMZAH.

Abu Ubaid al-Qasim bin Salam, al-Amwal, 1988, Tahqiq Muhammad Khalil Harras, Beirut: Dar al-Fikr.

Adiwarman A. Karim, 2015, Ekonomi Makro Islam, Jakarta: PT RajaGrafindo.

Afif Muamar and Ari Salman Alparisi, 2017, Electronic Money (e-Money) in Maqashid al-Sharia Perspective, Journal of Islamic Economics Lariba, December 29.

Agus Made Krisnan Ferdiana dan Gede Sri Darma, 2019, “Understanding Fintech Through Go – Pay”, International Journal of Innovative Science and Research Technology, Volume 4, Issue 2, February.

Ahmad Hasan, 2005, Mata Uang Islami: Telaah Komperhensif Sistem Keuangan Islami, Jakarta: PT RajaGrafindo Persada.

Arner, 2016, Opportunities and Challenges. Fintech and Reg Tech.

Badan Pusat Statistik Indonesia 2019, www.bps.go.id, diakses pada 10/05/2020.

Bank Indonesia, 2018. Gerai Info Bank Indonesia Edisi 50/2014/tahun 5/NewsLetterIndonesia

Burhan Bungin, 2001, Metodologi Penelitian Sosial: Format Kuantitatif dan Kualitatif, Surabaya: Airlangga University.

Gede Leo Nadi Danuarta dan Gede Sri Darma, 2019, “Determinants of Using Go-Pay and its Impact on Net Benefits”, International Journal of Innovative Science and Research Technology, Volume 4, Issue 11, November.

Hiyanti, H, dkk. 2019, Peluang dan Tantangan Fintech (Financial Technology) Syariah di Indonesia. Jurnal Ilmiah Ekonomi Islam, doi: http://dx.doi.org/10.29040/jiei.v5i3.578, Gerai Info Bank Indonesia, Edisi 50/2014/tahun 5/NewsLetterIndonesia, www.bi.go.id, diakses pada 05/5/2020.

Ibnu Taimiyah, 2002, Majmu' al-Fatawa, Beirut: Dar al-Kutub al-Ilmiyah, 2002 Jilid 19.

Jaribah bin Ahmad Al-Haritsi, 2006, Fiqih Ekonomi Umar bin Al-Khatab, Jakarta: Pustaka al-Kautsar.

Kuntowijoyo, 1997, Identitas Politik Umat Islam, Bandung: Mizan.

Lexy J. Moleong, 1989, Metodologi Penelitian Kualitatif, Remadja Karya.

Master Plan Ekonomi Syariah Indonesia 2019-2024, 2018, Badan Perencana Pembangunan Nasional.

M. M. Metwally, 1995, Teori dan Model Ekonomi Islam, Jakarta: PT. Bangkit Daya Insani.

Muhammad Akram Khan, 1997 “The Role of Government in the Economy”, The American Journal of Islamic Social Sciences, (Vol. 14, No. 2,).

Peraturan Bank Indonesia Nomor 20/6/Pbi/2018 Tentang Uang Elektronik, pasal 1 ayat 3.

Peraturan Bank Indonesia Nomor 20/6/PBI/2018 Tentang Uang Elektronik, www.bi.go.id. diakses pada 05/05/2020.

Rhenald Kasali, Jakarta: Mizan, 2019.

Sadr, Muhammad. B, 1994, Iqtisaduna (Ekonomi Kita). 2nd Edition, Teheran: Iran.

Raharja, S. U. J., Muhyi, H. A., & Herawaty, T. (2020). Digital Payment as an Enabler for Business Opportunities: A Go-Pay Case Study. Review of Integrative Business and Economics Research, 9, 319-329.Sifwatir Rif’ah, 2019, Fenomena Cashless Society di Era Milenial dalam Perspektif Islam, Al-Musthofa: Journal of Sharia Economics, Vol. 02, No. 01, Juni.

Sugiyono, 2014, Metode Penelitian Pendidikan Pendekatan Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta.

Sukma Indra dan Zuliana Rofiqoh, 2019, Transaksi E-Money Terhadap Layanan Go-Pay Pada Aplikasi Go-Jek Perspektif Ekonomi Syariah, Jurnal Al-Ahkam, Vol. 15 No. 2, June.

Article Metrics

Abstract view(s): 186 time(s)
PDF: 177 time(s)

Refbacks

  • There are currently no refbacks.