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All Journal Al-Kharaj: Journal of Islamic Economic and Business International Journal of Management, Entrepreneurship, Social Science and Humanities (IJMESH)
Nurul Inayah
State Islamic University of North Sumatra
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Determinants of the Use of Cashless Transactions in Culinary MSME Consumers in Tebing Tinggi City Putri Safa Aulia Lubis; Atika Atikah; Nurul Inayah
International Journal of Management, Entrepreneurship, Social Science and Humanities Vol. 9 No. 1 (2025): July - December Issue
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijmesh.v9i1.3575

Abstract

Multiple linear regression analysis is one of the quantitative techniques used in this study. The data was processed using SPSS version 22. The population of this study is the people of Tebing Tinggi who use cashless transactions as a payment method for culinary MSMEs. The sample in this study amounted to 96 people. This study aims to find out the convenience, benefits, and digital literacy that affect individually and simultaneously the use of cashless transactions in culinary MSME consumers in the city of Tebing Tinggi. The analysis of the study shows that convenience has a positive and significant influence on the use of cashless transactions. Usefulness also has a positive and significant influence on the use of cashless transactions, while digital literacy has no influence on the use of cashless transactions. Convenience, Usefulness, and Digital Literacy simultaneously affect the use of cashless transactions.
E-Digital Transactions From An Islamic Economic Perspective Among Students of The Faculty of Islamic Economics And Business, North Sumatra State Islamic University Muhammad Zikri Alshaufi; Ahmad Syakir; Nurul Inayah
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8321

Abstract

The phenomenon of game top-up transactions among students is part of the rapidly growing digital economy in the modern era. This study aims to determine the behavior of students at the Faculty of Economics and Islamic Business at UIN North Sumatra in conducting game top-up transactions and to assess their compliance with Islamic economic principles. The method used is a descriptive qualitative approach with data collection through interviews, observations, and documentation of active students who regularly conduct game top-ups. The results of the study show that most students make game top-ups as a form of entertainment and fulfillment of digital recreational needs, but there is still a lack of awareness of sharia principles such as prudence in spending, the prohibition of tabdzir (wastefulness), and the urgency of ensuring that transactions are free from elements of gharar and maisir. This study recommends the importance of strengthening Islamic economic literacy among students so that they can be selective and wise in utilizing digital technology in accordance with sharia values.
Co-Authors Ahmad Syakir Atika Atikah Muhammad Zikri Alshaufi Putri Safa Aulia Lubis