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All Journal Mutawatir : Jurnal Keilmuan Tafsir Hadith AL-ARBAH: Journal of Islamic Finance and Banking
Saekhu
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Religion Humanities Economics, Econometrics & Finance

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The Effect of Perceived Ease, Risk and Financial Literacy on the Use of QRIS as a Digital Payment in MSMEs Ida Riskawati; Mardhiyaturrositaningsih; Saekhu
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 7 No. 1 (2025)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2025.7.1.26744

Abstract

Purpose - This study aims to examine the Influence of Perceived Ease, Perceived Risk and Financial Literacy on the Decision to Use the Quick Response Code Indonesian Standard (QRIS) as a Digital Payment in MSMEs. Method - This research is a quantitative research type with a sample of 100 MSMEs. This study uses multiple regression analysis to identify the Influence of Perceived Ease, Perception of Risk and Financial Literacy on the Decision to Use the Quick Response Code Indonesian Standard (QRIS) as Digital Payment in MSMEs. Result - The results of this study indicate that there is an influence between Perceived Ease, Perception of Risk and Financial Literacy on the Decision to Use QRIS. Implication - This study identifies the use of QRIS in MSMEs in Semarang. Originality - This paper identifies that there are factors of Perceived Ease, Perception of Risk and Financial Literacy as factors causing the decision of MSMEs in Semarang City to use QRIS digital payments. Keywords:           Financial Literacy, Perceived Ease, QRIS, Risk
From Ritual to Resistance: Ṣalawāt al-Ashghīl in the Environmental Struggle of the Wadas Community Saekhu; Hanik Rosyida; Muhibbin
Mutawatir : Jurnal Keilmuan Tafsir Hadith Vol. 14 No. 2 (2024): DECEMBER
Publisher : Department of Qur'an dan Hadith Faculty of Ushuluddin and Philosophy UIN Sunan Ampel Surabaya

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Abstract

This study examines the significance of ṣalawat ashghil as embodied in the non-violent resistance of the Wadas residents in Purworejo against the construction of the Bener dam. Contrary to the common perception that religion and environmental activism are separate spheres, the people of Wadas demonstrate how religious expression can be closely intertwined with ecological protest. By employing resistance theory and a phenomenological approach, this qualitative research investigates how the recitation of ṣalawat ashghil functions as a form of religious resistance. The findings reveal that this non-violent resistance is deeply rooted in the community’s understanding of the Qur’an and hadīth, embodying what can be described as a lived interpretation of these texts. The villagers attribute spiritual power and protective efficacy to the practice of ṣalawāt ashghīl, viewing it as a means of confronting injustice. Drawing on James C. Scott’s theory of resistance, their actions constitute a subtle yet enduring form of dissent that operates without overt confrontation with dominant power structures. This case offers an alternative framework for understanding Islamic resistance by illustrating how devotional practices can serve as potent vehicles for socio-environmental critique.
Co-Authors Hanik Rosyida Ida Riskawati Mardhiyaturrositaningsih Muhibbin