Analisis Persepsi Pelaku Usaha Berprinsip Syariah terhadap Penggunaan E-Wallet sebagai Alat Penerimaan Pembayaran pada Halal Mart Kota Jambi

The use of digital payments has grown considerably, providing businesses with alternative ways to receive payments. However, business operators must consider not only transaction convenience but also the extent to which digital payment practices align with Islamic principles. This study examines how business operators at Halal Mart in Jambi City perceive the use of e-wallets for receiving payments, how they understand their compatibility with Islamic principles, and what factors shape their perceptions. A qualitative descriptive approach was employed, with data collected through interviews, observation, and documentation. The findings indicate that the business operators generally view e-wallets positively because they make transactions more convenient and efficient and help improve customer service. They perceive e-wallet use as compatible with Islamic principles when transactions are conducted honestly and transparently and do not involve elements prohibited under Islamic law. They also distinguish e-wallets as digital payment instruments from paylater services, which allow payments to be deferred. The factors shaping their perceptions comprise internal and external factors. Internal factors include prior experience with e-wallets and their consideration of transaction convenience and Islamic compliance. External factors include customer demand, store operating conditions, technological developments, and the growing public familiarity with digital payments.