scholarly journals Uang Elektronik Dalam Perspektif Islam

2019 ◽  
Vol 6 (1) ◽  
pp. 90-106
Author(s):  
M. Rizky Wady Abdulfattah ◽  
Rachmat Rizky Kurniawan
Keyword(s):  
Payment System ◽  
Learning Method ◽  
Electronic Money ◽  
Islamic Perspective ◽  
Legal Contract ◽  
Cash Payment ◽  
Descriptive Method ◽  
Theory System

Payment system into non-cash payment form is more efficient and economical. Electronic money arises as an answer to the community's need for a micro payment instrument that is expected to make the payment process faster, more efficient and safer at a relatively cheaper cost, but not all electronic money issued in accordance with the concept of sharia. This study is intended to find out electronic money in Islamic perspective on the contract and sharia principles applied to electronic money transactions. This research uses descriptive method using library learning method, that is studying theory, system, and how to work electronic money so that can found the relation of law and provision in electronic money transaction. This writing produces information about the legal contract and sharia principles in transactions that exist in electronic money.

scholarly journals Analysis of Adi Soemarmo Solo Airport Parking Payment System

2021 ◽  
Vol 2 (1) ◽  
pp. 1-3
Author(s):  
Dwiyana Dwiyana ◽  
Muqorobin Muqorobin
Keyword(s):  
Payment System ◽  
Payment Systems ◽  
Electronic Money ◽  
Application System ◽  
Money Balance ◽  
Final Project ◽  
Cash Payment

The writing of the Semester Final Project with the title Analysis of the Parking Payment System for Adi Soemarmo Airport Solo was compiled based on the results of observations at the exit gate of Adi Soemarmo Airport Solo. Transactions on parking payments often cause problems due to several factors, especially the time or process is quite long because sometimes the money given is too large then the cashier takes too long to give change, besides that sometimes passengers do not prepare the money they want to pay in advance and often passengers pay in a situation of insufficient money and this causes queues or jams at the gate exit. The research objective given by the author later is to provide the best solution for airport parking payment systems. In addition to making it easier for passengers, this will greatly facilitate cashiers when carrying out work operations. This payment application system is called u-nik or electronic money. Where u-nik functions to transfer the money balance data contained in u-nik to a computer using a system called AINO. So that payments occur without spending additional cash. With the existence of non-cash payment transactions using the AINO system, it is hoped that it can facilitate and provide speed in making parking payment transactions without the need to carry cash.

scholarly journals Customer satisfaction sebagai mediasi pengaruh perceived value terhadap customer loyalty dalam pengguna OVO

2021 ◽  
Vol 1 (4) ◽  
pp. 365-379
Author(s):  
Adelia Kusuma Wardani ◽  
Handri Dian Wahyudi
Keyword(s):  
Customer Satisfaction ◽  
Customer Loyalty ◽  
Perceived Value ◽  
Payment System ◽  
Validity And Reliability ◽  
Electronic Money ◽  
Purposive Sampling ◽  
Cash Payment ◽  
Feasibility Test ◽  
Linearity Test

The current payment system, the non-cash payment system, has many benefits and has become a new lifestyle for the community. With the variety of choices offered by electronic money services, companies need to make users loyal to the services provided. Some factors that influence customer loyalty are perceived value and customer satisfaction. The present study employed a quantitative approach with descriptive and explanatory research designs. Respondents involved in the study were 154 OVO’s users recruited using non-probability and purposive sampling techniques. They were selected using the Daniel and Terrel’s (1989) formula. The scale used in this study is a Likert scale. The instrument feasibility test employed validity and reliability tests. In addition, this study employed a classic assumption test in the form is normality and linearity test. Data analysis techniques were performed using descriptive statistical analysis and path analysis with IBM SPSS Statistics V23.0. Sistem pembayaran saat ini, yaitu sistem pembayaran nontunai, memiliki banyak manfaat dan menjadi gaya hidup baru bagi masyarakat. Dengan beragamnya pilihan yang ditawarkan oleh layanan uang elektronik, perusahaan perlu membuat pengguna loyal terhadap layanan yang diberikan. Beberapa faktor yang mempengaruhi loyalitas pelanggan adalah nilai yang dirasakan dan kepuasan pelanggan. Penelitian ini menggunakan pendekatan kuantitatif dengan desain penelitian deskriptif dan eksplanatori. Responden yang terlibat dalam penelitian ini adalah 154 pengguna OVO yang direkrut menggunakan teknik non-probability dan purposive sampling. Mereka dipilih menggunakan rumus Daniel dan Terrel (1989). Skala yang digunakan dalam penelitian ini adalah skala Likert. Uji kelayakan instrumen menggunakan uji validitas dan reliabilitas. Selain itu, penelitian ini menggunakan uji asumsi klasik berupa uji normalitas dan uji linieritas. Teknik analisis data dilakukan dengan menggunakan analisis statistik deskriptif dan analisis jalur dengan IBM SPSS Statistics V23.0.

scholarly journals Customer Perception of Bandung City Societyon E-Money Usage for the Highway Service Payment

2019 ◽  
Vol 11 (3) ◽  
pp. 255
Author(s):  
Michael Tanu ◽  
Rita Komala Dewi ◽  
Heni Iswati
Keyword(s):  
Technology Acceptance ◽  
Literature Study ◽  
Electronic Money ◽  
Government Interventions ◽  
Customer Perception ◽  
Basic Model ◽  
Cash Payment ◽  
The Government ◽  
Acceptance Model ◽  
Descriptive Method

E-commerce has been used in many business transactions because of its practicality and easiness for the users. In addition, it also provides easiness in control. The use of electronic money (e-money) as a non-cash payment alternative has a huge potential in decreasing the use of cash money. E-money provides faster and more comfortable transactions compared to the cash money, especially for the small-amount transactions. With e-money, every transaction is simpler, cheaper, and easier both for the buyers and sellers. One of the government interventions has recently been that every highway transaction can only be paid using e-money. This policy has resulted in a various response from the consumers or society at large. This research is aimed at exploring the perception of the consumers or society in Bandung on e-money policy for highway service payment. The method used in this research is a descriptive method. The data collection techniques used are literature study and questionnaire distributed to 100 respondents who ever used e-money in their transaction. The results of this research showed that the implementation of e-money is already good. But, there are some constraints in the aspect of service and technology. Those things are based on the measurement using the basic model of Technology Acceptance Model (TAM).

scholarly journals Implementasi Sistem Pembayaran Quick Response Indonesia Standard Bagi Perkembangan UMKM di Medan

2020 ◽  
Vol 17 (2) ◽  
pp. 287
Author(s):  
Josef Evan Sihaloho ◽  
Atifah Ramadani ◽  
Suci Rahmayanti
Keyword(s):  
Research Method ◽  
Payment System ◽  
Qr Code ◽  
Quick Response ◽  
Code System ◽  
Payment Systems ◽  
Electronic Money ◽  
Cash Payment ◽  
System Issue ◽  
Digital Wallet

ABSTRACTThe use of server-based electronic money is one of the most popular non-cash payment systems in use today. The form of server-based electronic money is e-wallet / digital wallet. E-wallet can be used to transact by customers, if the merchant provides an application Same e-wallet to customers. This made Bank Indonesia, as the regulator of the payment system, issue a new payment channel namely; QRIS (QR Code Indonesia Standard). The use of QRIS is used to standardize all e-wallets applications that use the QR Code system to conduct payment transactions. This study examines how the application of QRIS to UMKM in Medan, and describes the roles, constraints, and income of UMKM s in the presence of QRIS. The research method used is interviews and literature studies with UMKM traders who have used QRIS as a payment tool in their characters. This research indicates that QRIS has benefits for UMKM traders.

scholarly journals School Debit Transaction Using Fingerprint Recognition System

2019 ◽  
Vol 1 (2) ◽  
Author(s):  
Wai Kit Wong ◽  
Thu Soe Min ◽  
Shi Enn Chong
Keyword(s):  
Labour Force ◽  
Recognition System ◽  
Payment System ◽  
Fingerprint Recognition ◽  
Biometric Technology ◽  
Cash Payment ◽  
User Need ◽  
Minutiae Matching

This paper proposed a fingerprint based school debit transaction system using minutiae matching biometric technology. This biometric cashless transaction system intensely shortens the luncheon line traffic and labour force compared to conventional cash payment system. Furthermore, contrast with card cashless transaction system, fingerprint cashless transaction system with benefit that user need not carry additional identification object and remember lengthy password. The implementation of this cashless transaction system provides a more organize, reliable and efficient way to operate the school debit transaction system. 

Web-Based Electronic Money for Online Banking

2017 ◽  
pp. 55-63
Keyword(s):  
Payment System ◽  
Online Banking ◽  
Electronic Money ◽  
Electronic Communications ◽  
Web Based ◽  
Current State ◽  
Online Payment

Online transaction payment for the purpose of introducing web-based electronic money as an alternative way of online transaction payment, the main areas that cover in this chapter include research of current payment system, limitation of current payment, what are e-money and the current state of electronic money. It will discuss the proposed web-based electronic money as an alternative for online payment and the benefit of web-based e-money. Online payment transaction is a form of a financial exchange that takes place between the buyer and seller facilitated by means of electronic communications for conducting e-commerce and online purchasing. This chapter includes research of current payment system, limitation of current payment, what are e-money and the current state of electronic money.

scholarly journals ANALISIS PENGARUH INSTRUMEN PEMBAYARAN NON-TUNAI TERHADAP STABILITAS SISTEM KEUANGAN DI INDONESIA

2018 ◽  
Vol 1 (1) ◽  
pp. 47
Author(s):  
Nastiti Ninda Lintangsari ◽  
Nisaulfathona Hidayati ◽  
Yeni Purnamasari ◽  
Hilda Carolina ◽  
Wiangga Febranto Ramadhan
Keyword(s):  
Interest Rates ◽  
Credit Card ◽  
Financial System ◽  
Payment System ◽  
System Stability ◽  
Significant Positive Effect ◽  
Business World ◽  
Payment Instruments ◽  
Cash Payment ◽  
Positive Effect

The payment system is an important component in the economy especially to ensure the implementation of payment transactions made by the public and the business world. In addition, the payment system also plays an important role in supporting financial system stability and implementation of monetary policy. Along with rapid technological developments, patterns and payment systems in economic transactions are constantly changing. Technological advances in the payment instruments shift the role of cash as a means of payment in the form of more efficient and economical non-cash payments. Non-cash payment instruments used in this study are card-based payment instruments (APMK) and electronic money (e-money). The aim of this study is to examine the effect of non-cash payment instruments development on money supply (M1), velocity of money, inflation, interest rate, and financial system stability. A set of secondary data are assessed through official website of Bank Indonesia from year 2009-2017. Multiple regression analysis are employed to elaborate the results. The result showed that e-money and credit card transactions have a significant positive effect on M1, e-money transactions have a significant negative effect on interest rates, and credit card transactions have a significant positive effect on interest rates.

Design of Universal Electronic Cash Payment System

2012 ◽  
Vol 452-453 ◽  
pp. 1179-1183
Author(s):  
Ping Jia
Keyword(s):  
Payment System ◽  
Electronic Cash ◽  
Cash Payment ◽  
Server System

This dissertation introduces the design of an off-line anonymity-controllable universal electronic cash payment system, which can prevent double spending. The system is comprised of user end system, business e-wallet system and bank electronic cash server system.

scholarly journals Analysis of the Use of Electronic Money in Efforts to Support the Less Cash Society

2016 ◽  
Vol 3 (1) ◽  
pp. 1 ◽  
Author(s):  
Dwi . Wulandari ◽  
Thomas Soseco ◽  
Bagus Shandy Narmaditya
Keyword(s):  
Economic Growth ◽  
Credit Cards ◽  
Qualitative Approach ◽  
State University ◽  
Payment Systems ◽  
Electronic Money ◽  
Cash Payment ◽  
Student Preference ◽  
Technological Developments ◽  
Debit Cards

Technological developments have had an impact on all aspects of life including changes to existing payment systems. Electronic money (E-Money) is a non cash payment instrument in addition to credit cards and debit cards. E-money offers advantages over debit cards and credit cards that give the ease, speed, and efficiency. The issue discussed in this research covers the intensity of the use of e-money, the volume of transactions, preferences, and perceptions about the use of e-money at the Faculty of Economics, State University of Malang. This study used a qualitative approach. The findings showed that only a small portion of the respondents (17.07%) has already been used BRIZZI card as a means of payment. Majority of students simply do as much as 3-5 times transaction per month. The volume of transactions in using E-money is still low. Student preference to use BRIZZI is relatively small. Most of the respondents supported less cash society because they believe it will promote economic growth and stability.

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