AMELIA AMANDA HARAHAP, - (2025) SIMPLE LIFESTYLE IN THE CASHLESS ERA MUFASSIR'S PERSPECTIVE. Skripsi thesis, UNIVERSITAS ISLAM NEGERI SULTAN SYARIF KASIM RIAU.

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Abstract

ABSTRACT The increasing use of cashless payment systems brings positive impacts such as efficiency and financial inclusion but also triggers consumerist behavior and the abstraction of monetary value. These changes conflict with Islamic values of simplicity, gratitude, and self-control. Thus, this study seeks to answer the following questions: How do Qur'anic interpretations view the concept of simple living in the context of the cashless era? How can Qur'anic values be implemented in modern financial management? This research employs a library research method with a thematic exegesis and descriptive-analytical approach. Primary data are derived from relevant Qur'anic verses, such as Surah Al-Isra [17]: 29, Surah Al-Baqarah [2]: 275, Surah Yusuf [12]: 47–49, Surah Al-Furqan [25] : 43, and Surah At-Talaq [65]: 7, which are analyzed using classical and contemporary tafsir. Secondary data are sourced from academic literature on simplicity, financial technology, and social phenomena in the digital era. The findings reveal that the Qur'an views cashless technology as a neutral tool whose benefits depend on how it is used. Simple living, as outlined in the Qur'an, encompasses the principles of moderation, prudent wealth management, and avoiding extravagance. In the cashless context, simplicity can be practiced by reducing consumption driven by numerous discount offers, avoiding riba in pay-later systems, managing expenses based on needs, smart budgeting, resisting social media trends, and using technology for charitable purposes. This study also finds that applying Islamic values in financial management in the digital era can lead society toward financial well-being and a blessed life. This research is expected to contribute to Muslim communities and policymakers by integrating religious values with modern technology, creating a balance between technological advancement and Islamic moral principles. Keywords: Simplicity, Cashless, Mufassir.

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