Universitas Islam Negeri Alauddin Makassar Proceedings, The 2nd International Conference on Science and Islamic Studies (ICOSIS-2024)

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CONSUMPTION BEHAVIOR VIA E-WALLET IN MAKASSAR CITY SOCIETY FROM THE PERSPECTIVE OF MAQĀID AL-SHARĪ'AH
Nurjannah Nurjannah, Nasir Hamzah, Irwan Misbach, Abd. Rauf Muhammad Amin

Last modified: 2025-02-18

Abstract


The development of financial technology (fintech), especially e-Wallets, has significantly changed the pattern of public financial transactions. This phenomenon provides convenience in transactions, but also raises the potential for consumptive behavior that can conflict with Islamic principles. This research aims to: Analyze the consumption behavior of the people of Makassar City in using e-Wallets, and evaluate its suitability with the objectives of Maqasid al-Syariah.  This research method uses a qualitative approach with data collection through observation, interviews and documentation. The data source of this research consists of primary data sources, namely OVO, DANA, Shopeepay, Gopay and Link Aja e-Wallet users.  The results showed that the use of e-Wallets in Makassar City was driven by ease of access, attractive promos and discounts, transaction speed and security, and lifestyle changes. The use of e-Wallets in Makassar City Community is in line with maqasid al-Syariah, namely Hifz Din, Nafs, Aql, Nasl and Mal. However, the use of these transaction methods must be balanced by self-control so as to prevent the risk of consumptive behavior and can create wise financial management. This study recommends the importance of sharia-based digital financial education to the wider community and increasing sharia e-Wallet service providers.

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