Pengaruh Literasi Fikih Muamalah Mahasiswa Terhadap Intensitas Penggunaan QRIS BSI Sebagai Metode Pembayaran
DOI:
https://doi.org/10.33511/almizan.v9n1.56-66Keywords:
Fiqh al-muamalah literacy, Islamic digital payment, Bank Syariah Indonesia, university students, usage intensityAbstract
Sharia-compliant digital payment services have experienced substantial growth in Indonesia; however, the intensity of their utilization among university students remains uneven. One factor presumed to influence the adoption of such payment services is the level of fiqh al-muamalah literacy possessed by users. This study aims to examine the effect of students’ fiqh al-muamalah literacy on the intensity of using Bank Syariah Indonesia's Quick Response Code Indonesian Standard as a payment method. A quantitative approach with a causal survey design was employed. Data were collected through questionnaires administered to university students and analyzed using linear regression techniques. The findings reveal that fiqh al-muamalah literacy has a positive and statistically significant effect on the intensity of using Bank Syariah Indonesia's Quick Response Code Indonesian Standard. The results indicate that higher levels of fiqh al-muamalah literacy are associated with a greater tendency among students to utilize Sharia-based digital payment services. This study highlights the importance of strengthening fiqh al-muamalah literacy as a strategic measure to enhance the adoption and utilization of digital payment instruments that comply with Islamic principles and support the development of the Islamic digital economy.
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