Assessing the Determinants of Cashless Society Growth Among Muslims In Indonesia
Keywords:
cashless society;, cashless payment;, digital competency;, digital literacy;, Japelidi;, post-pandemic;Abstract
The Covid-19 pandemic has increased cashless payment transactions among the Muslim community in Indonesia. Cashless payment turned into a post-pandemic lifestyle that can create a cashless society. This study aims to analyze the factors that can form a cashless society through digital literacy competencies compiled by Japelidi. Factor analysis with a quantitative approach was used as an analytical method by surveying 250 participants, characterized as Muslims who live in West Java. The research findings show that the Muslim community in West Java is classified as competent and has good digital literacy. The ability of Muslim communities living in West Java in analyzing instruments and digital implementation is the predominant factor for developing a cashless society. This research shows new factors that can influence the development of a cashless society and can be used as a reference for constructing policies for the development of a cashless society in West Java.
References
Abidin, R., Dewi, S., Asmalasari, A. S., Syawali, F. I., & Hidayat, H. S. (2023). The Use of Electronic Money as a Transaction System in Indonesia. Journal of Islamic Economics and Business, 3(2), 101–117. https://doi.org/10.15575/jieb.v3i2.30487
Adiani, W., Aprianingsih, A., & Purwanegara, M. S. (2021). Cashless Society in Progress: Capturing Different Generations’ Perspectives toward External Influence in E-Wallet Usage. Journal of Economics, Business, & Accountancy Ventura, 24(2), 205. https://doi.org/10.14414/jebav.v24i2.2677
Adiputra, W. M., Kurnia, N., Monggilo, Z. M. Z., Yuwono, A. I., & Rahayu. (2019). Yuk, Lawan Hoaks Politik, Ciptakan Pemilu Damai. Program Studi Magister Ilmu Komunikasi, Departemen Ilmu Komunikasi, Universitas Gadjah Mada.
Ainur Hardianti, R., Permatasari, I., & Wahyuni, R. N. (2022). Paradigma Cashless Society Dan E-Commerce Di Indonesia, Keberhasilan Pemulihan Ekonomi Atau Euforia? Jurnalku, 2(1), 44–53. https://doi.org/10.54957/jurnalku.v2i1.134
Balakrishnan, V., & Shuib, N. L. M. (2021). Drivers and inhibitors for digital payment adoption using the Cashless Society Readiness-Adoption model in Malaysia. Technology in Society, 65, 101554. https://doi.org/10.1016/j.techsoc.2021.101554
Bella, F. I., & Efendi, N. F. (2021). STRENGTHENING THE ISLAMIC DIGITAL PAYMENT SYSTEM THROUGH SHARIA ELECTRONIC WALLET (E-WALLET). El Dinar, 9(2), 94–107. https://doi.org/10.18860/ed.v9i2.11451
Ewa Abbas, A. (2017). Literature Review of a Cashless Society in Indonesia: Evaluating the Progress. International Journal of Innovation, Management and Technology, 193–196. https://doi.org/10.18178/ijimt.2017.8.3.727
Fatica, D., Maharani, K., & Permatasari, S. D. (2023). Variabel Anteseden Perkembangan Cashless Society dan Dampaknya terhadap Pemulihan Ekonomi Pasca Pandemi. Prosiding Pendidikan Matematika, Matematika dan Statistika, 8(2721).
Fitriani, Y. (2021). ANALISA PEMANFAATAN APLIKASI KEUANGAN ONLINE SEBAGAI MEDIA UNTUK MENGELOLA ATAU MEMANAJEMEN KEUANGAN. Journal of Information System, Applied, Management, Accounting and Research, 5(2), 454. https://doi.org/10.52362/jisamar.v5i2.432
Fitriyani, L. R., Nurhajati, L., & Wijayanto, X. A. (2021). Cara Bijak Menggunakan Dompet Elektronik. Lembaga Penelitian, Publikasi dan Pengabdian Masyarakat (LP3M) LSPR.
Haryati, D. (2021). Fenomena Cashless Society Pada Generasi Milenial dalam Menghadapi COVID-19. Business Innovation and Entrepreneurship Journal, 3(1), 32–37. https://doi.org/10.35899/biej.v3i1.202
Helmiawan, M. A., & Nasution, A. I. (2023). The Effect of Internet Banking Use and Customer Protection Against Cyber Crime at Bank Rakyat Indonesia. Journal of Islamic Economics and Business, 2(2), 170–183. https://doi.org/10.15575/jieb.v2i2.22346
Katon, F., & Yuniati, U. (2020). FENOMENA CASHLESS SOCIETY DALAM PANDEMI COVID-19 (KAJIAN INTERAKSI SIMBOLIK PADA GENERASI MILENIAL). JURNAL SIGNAL, 8(2), 134. https://doi.org/10.33603/signal.v8i2.3490
Kurnia, N., Sadasri, L. M., Angendari, D. A. D., Yuwono, A. I., Syafrizal, Monggilo, Z. M. Z., & Adiputra, W. M. (2020). Yuk, Sahabat Perempuan Bertransaksi Daring dengan Cermat. Program Studi Magister Ilmu Komunikasi, Departemen Ilmu Komunikasi, Universitas Gadjah Mada.
Marlina, L., Mundzir, A., & Pratama, H. (2020). CASHLESS DAN CARDLESS SEBAGAI PERILAKU TRANSAKSI DI ERA DIGITAL: SUATU TINJAUAN TEORETIS DAN EMPIRIS. Co-Management, 3(2).
Monggilo, Z. M. Z., Fandia, M., Tania, S., Parahita, G. D., Setianto, W. A., Sulhan, M., Rajiyem, & Kurnia, N. (2020). Yuk, Sahabat Perempuan Bermedia Sosial dengan Bijak. Program Studi Magister Ilmu Komunikasi, Departemen Ilmu Komunikasi, Universitas Gadjah Mada.
Nurhajati, L., Fitriyani, L. R., & Wijayanto, X. A. (2019). Panduan Menjadi Jurnalis Warga yang Bijak Beretika. Lembaga Penelitian dan Pengabdian Masyarakat (LPPM) Institut Komunikasi dan Bisnis LSPR.
Nurohman, Y. A., & Qurniawati, R. S. (2021). The Intention to Use E-Money: An Empirical Study of Halal Food SMEs In Surakarta. Annual International Conference on Islamic Economics and Business (AICIEB), 1, 46–56. https://doi.org/10.18326/aicieb.v1i0.8
Nurohman, Y. A., Qurniawati, R. S., & Azhar, F. A. (2022). PEMBAYARAN DIGITAL SEBAGAI SOLUSI TRANSAKSI DI MASA PANDEMI COVID 19: STUDI MASYRAKAT MUSLIM SOLO RAYA). Among Makarti, 15(2). https://doi.org/10.52353/ama.v15i2.333
Rahadi, R. A., Nainggolan, Y. A., Afgani, K. F., Yusoff, Y. M., Muhammad, Z., Angelina, C., & Farooq, K. (2020). Conceptual Model for Cashless Society: A Literature Synthesis. European Journal of Business and Management Research, 5(3). https://doi.org/10.24018/ejbmr.2020.5.3.343
Ramadhani, R., & Trisnaningsih, S. (2022). Analisis keefektifan aplikasi keuangan online sebagai media pengelolaan keuangan di sektor Usaha Mikro Kecil Menengah (UMKM). Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan, 4(12), 5778–5784. https://doi.org/10.32670/fairvalue.v4i12.1997
Rejeki, M. N. S., Nuswantoro, R., Widyastuti, D. A. R., Pramesti, O. L., Wulandari, T. D., Herawati, F. A., & Vidiadari, I. S. (2019). Literasi Media dan Informasi Citizenship. Program Studi Ilmu Komunikasi, Fakultas Ilmu Sosial dan Ilmu Politik, Universitas Atma Jaya Yogyakarta.
Salman, M., & Saleem, I. (2017). Role of Digital Competence in Cashless Economy. IOSR Journal of Business and Management (IOSR-JBM), 19.
Solihin, M., & Raya, M. Y. (2021). Kedudukan E-Money Sebagai Alat Pembayaran Dalam Perspektif Hukum Islam. El-Iqtishady, 3(1).
Solikhatun, I., & Kurniawati, D. (2022). ELECTRONIC MONEY SEBAGAI ALAT PEMBAYARAN NON TUNAI DALAM PERSPEKTIF ISLAM. https://journal.staiicdemak.ac.id/index.php/alwasithoh/article/download/26/18
Sukmawa, A. I., Karim, A. M., Yuwono, A. P., Elsha, D. D., Urfan, N. F., & Andiyansari, P. (2019). Yuk, Cegah Tindak Pidana Perdagangan Orang! Samudra Biru.
Tarantang, J., Awwaliyah, A., Astuti, M., & Munawaroh, M. (2019). PERKEMBANGAN SISTEM PEMBAYARAN DIGITAL PADA ERA REVOLUSI INDUSTRI 4.0 DI INDONESIA. JURNAL AL-QARDH, 4(1), 60–75. https://doi.org/10.23971/jaq.v4i1.1442
Wenerda, I., & Sapanti, I. R. (2019). Literasi Digital bagi Milenial Moms. Program Studi Ilmu Komunikasi dan Program Studi Sastra Indonesia, Fakultas Sastra Budaya dan Komunikasi, Universitas Ahmad Dahlan.
Wijayanto, X. A., Nurhajati, L., & Fitriyani, L. R. (2019). Mencegah dan Mengatasi Bullying di Dunia Digital. Lembaga Penelitian dan Pengabdian Masyarakat (LPPM) Institut Komunikasi dan Bisnis LSPR.
Yuwono, A. I., Anshari, I. N., Rahayu, Syafrizal, & Adiputra, W. M. (2018). Yuk, Jadi Gamer Cerdas: Berbagi Informasi Melalui Literasi. Program Studi Magister Ilmu Komunikasi, Departemen Ilmu Komunikasi, Universitas Gadjah Mada.
Zafani, D., & Arifqi, Moh. M. (2020). Cahsless Society on GoPay: An Islamic Economic Perspective. Journal of Islamic Economic Laws, 3(2), 141–158. https://doi.org/10.23917/jisel.v3i2.11904
Downloads
Published
How to Cite
Issue
Section
Citation Check
License
Copyright (c) 2025 Tonton Taufik Rahman (Author); Nabiela Riziki Alifa
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
