STUDENTS' PERCEPTIONS OF E-MONEY USE ON SHOPEE FROM THE PERSPECTIVE OF ISLAMIC ECONOMIC PRINCIPLES
Keywords:
E-money, Shopee, Student Perception, Islamic Economics, Digital ConsumptionAbstract
This study aims to analyze the perceptions of students of the Faculty of Islamic Economics and Business at Universitas Islam Zainul Hasan Genggong regarding the use of e-money on Shopee from the perspective of Islamic economic principles. The development of digital transactions has encouraged students to use e-money as a practical, fast, and efficient payment instrument. However, the use of e-money in online shopping also requires sharia-based reflection, particularly regarding transaction clarity, halal objects, fund security, promotional incentives, and the risk of excessive consumption. This research employs a descriptive qualitative approach. Data were collected through interviews, observation, and documentation involving FEBI UNZAH students who actively use Shopee and electronic money services. The findings show that students perceive e-money as beneficial because it simplifies payment, saves time, and supports daily digital transactions. Nevertheless, students also recognize that promotions, cashback, free shipping, and the ease of topping up balances may encourage impulsive and consumptive behavior. From the perspective of Islamic economics, the use of e-money is permissible as long as it is free from riba, gharar, maysir, tadlis, and harmful consumption, and is used to purchase halal and beneficial goods. This study concludes that digital Islamic economic literacy is necessary so that students can use financial technology responsibly while maintaining sharia values in digital consumption.
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Copyright (c) 2026 Juwairiyah, Abdul Ghofur, Ainur Rofiq Sofa (Author)
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