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All Journal Musyarakah: Journal of Sharia Economics (MJSE)
Rizqi Amalia
Institut Agama Islam Darussalam, Martapura, Kalimantan Selatan
Religion Economics, Econometrics & Finance

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Analisis SWOT Terhadap Motivasi Penggunaan Transaksi Non Tunai (E- Money Syariah) oleh Pelaku UMKM Lola Malihah; Muhammad Yulian Ma'mun; Muhammad Adi Riswan Al-Mubarak; Rizqi Amalia
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Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (240.872 KB) | DOI: 10.2426/mjse.v1i2.4183

Abstract

The necessity of easy-to-use financial services applications emerges as people's needs and mobility in the recent digital era become more complex than before. Users expect Islamic-based electronic money (e-money) applications to provide convenience in their transactions. But the development of these apps has some shortcomings. Among them is that users must connect to a good and stable internet network to run the application properly. In addition, the potential threats of cybercrimes often worry the public, which may reduce their interest in Islamic e-money applications. This study uses a qualitative descriptive approach. It aims to determine the problems in non-cash transactions within Islamic e-money applications by using SWOT analysis. This research obtains data through a combination of observation, interviews, documentation, and triangulation. Thus, this study recommends that Islamic e-money publishers improve application security systems to keep users secure and safe. It also suggests that Islamic financial institutions should expand the education of non-cash transactions and strengthen the promotion of the apps to reach a wider audience from the public and MSMEs businesspeople.
Co-Authors Lola Malihah Muhammad Adi Riswan Al-Mubarak Muhammad Yulian Ma'mun