Beyond Muamalah Principles in Digital Payment Education and its Impacts on Corruption Prevention in Indonesian Public Sectors

Abidin Abidin, Tulus Suryanto, Pertiwi Utami


Covid-19 global pandemic has extensively affected various dimensions in life and changed socioeconomic behavior in society.  In line with this, the tremendous growthof digital technology has brought about a positive influence on social education and muamalah (literally ”transaction”) activities due to, indirectly, the enactment of large-scale social restriction policy (LSSR) in the capital city of Indonesia: Jakarta. Consequently,digital transaction has increased immensely as digital technology ensures more safety and effectiveness. Furthermore, the policy has created new perspectives in social education towards the use of digital technology and society are prompted to learn how to use it. Learning from the background, the authors employ the risk-need-responsive model (RNR model) and conditional approach in this study as a conceptual framework to reveal the impact of Muamalah social education on digital payments for corruption prevention for public services in Indonesia. In addition, quantitative research design is also applied in this study by distributing questionnaires to as many as 300 respondents in Jakarta randomly chosen as a sample.  This study revealed that they were influenced by LSSR. Data collection techniques are questionnaires combined with literature studies. This research has a novelty as it attempts to fill the impact of Muamalah social education on digital payments for corruption prevention and is derived from people’s responsiveness affected by Covid-19. The results revealed that although people were forced to use digital payments due to emergency conditions, in fact, social education has brought about major changes in social dynamics. The impact of Muamalah social education on digital payments has improved individual cognitive learning abilities,demonstrated more wise actions and changed social behavior for better life. Furthermore, the impact of Muamalah social education on the use of digital payments in preventing corruption or digital anti-corruption likely minimizes corrupt practices in the public service sector. This research is likely a useful reference  for stakeholders, especially the government, as a blueprint for preventing corruption by considering aspects of social education and the growing Muamalah principle of digital payments  in society.


Muamalah, Corupption, Digital Payment, Education, Public Service

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