E-Money di Asia Selatan dan Tenggara: Studi Kasus Malaysia, Pakistan, dan Afghanistan
DOI:
https://doi.org/10.30651/jms.v10i3.26590Abstract
Penelitian ini bertujuan untuk mengkaji dan membandingkan perkembangan serta pelaksanaan uang elektronik (e-money) di tiga negara, yaitu Malaysia, Pakistan, dan Afghanistan, yang memiliki karakteristik ekonomi dan sosial yang berbeda. Objek penelitian mencakup sistem e-money yang berlaku di masing-masing negara, termasuk aktor utama, kebijakan regulatif, serta infrastruktur pendukung. Penelitian ini menggunakan metode kualitatif deskriptif dengan pendekatan studi pustaka, di mana data diperoleh melalui dokumentasi literatur, laporan kebijakan, dan studi sebelumnya terkait sistem keuangan digital.
Hasil penelitian menunjukkan bahwa Malaysia telah berhasil mengembangkan ekosistem e-money yang matang melalui dukungan pemerintah, infrastruktur digital yang kuat, dan regulasi yang ketat. Pakistan menunjukkan pertumbuhan signifikan terutama dalam layanan branchless banking yang menyasar populasi unbanked, meskipun masih menghadapi tantangan literasi dan infrastruktur. Sementara itu, Afghanistan mengalami hambatan besar dalam pengembangan e-money akibat instabilitas politik, infrastruktur digital yang minim, dan dominasi sistem keuangan informal.
Sebagai saran, ketiga negara diharapkan dapat terus memperkuat regulasi, meningkatkan literasi digital dan keuangan masyarakat, serta memperluas infrastruktur teknologi demi mendukung inklusi keuangan dan mempercepat transformasi ekonomi digital di kawasan masing-masing.
Downloads
Published
How to Cite
Issue
Section
License
The Authors submitting a manuscript do so on the understanding that if accepted for publication, copyright of the article shall be assigned to Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya as publisher of the journal.
Copyright encompasses exclusive rights to reproduce and deliver the article in all form and media, including reprints, photographs, microfilms and any other similar reproductions, as well as translations. The reproduction of any part of this journal, its storage in databases and its transmission by any form or media, such as electronic, electrostatic and mechanical copies, photocopies, recordings, magnetic media, etc., will be allowed only with a written permission from Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya.
Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya, the Editors and the Advisory Editorial Board make every effort to ensure that no wrong or misleading data, opinions or statements be published in the journal. In any way, the contents of the articles and advertisements published in the Tadarus are sole and exclusive responsibility of their respective authors and advertisers.
Rights of Authors
The Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah And Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya recognize the retention of the following:
- Patent and trademark rights and rights to any process or procedure described in the article.
- The right to photocopy or make single electronic copies of the article for their own personal use, including for their own classroom use, or for the personal use of colleagues, provided the copies are not offered for sale and are not distributed in a systematic way outside of their employing institution (e.g. via an e-mail list or public file server). Posting of an article on a secure network (not accessible to the public) within the author institution is permitted.
- The right, subsequent to publication, to use the article or any part thereof free of charge in a printed compilation of works of their own, such as collected writings or lecture notes.
