Dinamika Perilaku Keuangan Dalam Penggunaan Fintech Payment Pada Masyarakat Muslim di Kudus

Abstract

AbstractTechnological developments in several fields are currently starting to move towards digitalization, one of which is in the financial sector. Many people now carry out their transaction activities online, including their payments. This gave rise to a new term in the field of finance which is commonly called fintech (financial technology). Fintech consists of several types, but in this study it only focuses on types of fintech payments. Those included in fintech payments are payment gateways, e-wallets, e-money, and paylaters. The emergence of various online payment services certainly has an impact on individual life, especially on their financial behavior. Each individual has different financial behavior in responding to and utilizing the existence of this fintech payment. This study aims to determine the financial behavior of the Muslim community in Kudus and the impact of using fintech payments on the financial behavior of the Muslim community in Kudus. This research is a type of field research that uses a qualitative approach. The subject of this research is the Muslim community in Kudus who use fintech payment services in their daily lives. Data collection techniques in this study were carried out by means of interviews, observation, and documentation. The results of this study indicate that first, the financial behavior of the Muslim community in Kudus can be categorized under the criteria of healthy and responsible financial behavior. Second, the use of fintech payments has a positive impact on the financial behavior of the Muslim community in Kudus and results have been found that in using fintech payments, the Muslim community in Kudus is more inclined towards consumption behavior and mental accounting.Keywords: Financial behavior, fintech payment, muslim community AbstrakPerkembangan teknologi di beberapa bidang saat ini mulai beralih ke arah digitalisasi, salah satunya di bidang keuangan. Banyak masyarakat kini melakukan kegiatan transaksinya secara online termasuk dalam pembayarannya. Hal ini memunculkan istilah baru dalam bidang keuangan yang biasa disebut fintech (financial technology). Fintech terdiri dari beberapa jenis, namun dalam penelitian ini hanya fokus pada jenis fintech payment. Adapun yang termasuk dalam fintech payment yaitu payment gateway, e-wallet, e-money, dan paylater. Munculnya berbagai layanan pembayaran online ini tentu memberi dampak pada kehidupan individu terutama pada perilaku keuangannya. Setiap individu satu dengan yang lain memiliki perilaku keuangan yang berbeda dalam menyikapi dan memanfaatkan adanya fintech payment tersebut. Penelitian ini bertujuan untuk mengetahui perilaku keuangan masyarakat muslim di Kudus serta dampak penggunaan fintech payment pada perilaku keuangan masyarakat muslim di Kudus. Penelitian ini termasuk jenis penelitian lapangan yang menggunakan pendekatan dengan metode kualitatif. Adapun subjek dari penelitian ini yaitu masyarakat muslim di Kudus yang menggunakan layanan fintech payment di kehidupan sehari-hari. Teknik pengumpulan data dalam penelitian ini dilakukan dengan cara wawancara, observasi, dan dokumentasi. Hasil penelitian ini menunjukkan bahwa pertama, perilaku keuangan masyarakat muslim di Kudus dapat dikategorikan dalam kriteria perilaku keuangan yang sehat dan bertanggungjawab. Kedua, penggunaan fintech payment memberikan dampak yang positif pada perilaku keuangan masyarakat muslim di Kudus serta ditemukan hasil bahwa dalam penggunaan fintech payment, masyarakat muslim di Kudus lebih condong pada perilaku consumption dan mental accounting.Kata Kunci: Perilaku keuangan, fintech payment, masyarakat muslim