EDUKASI TRANSAKSI DIGITAL KEUANGAN SYARIAH DAN PERLINDUNGAN DATA PRIBADI BAGI KOMUNITAS PEDAGANG PASAR TEBO TENGAH

Abstract

The digital transformation in the financial sector has expanded massively across various social strata, including the ecosystem of traditional market traders in both rural and urban areas. However, the penetration of financial technology is often not accompanied by an adequate understanding of Sharia financial principles and the accompanying digital security risks. This community service activity aims to improve the literacy of traders at Tebo Tengah Market, Tebo Regency, regarding digital transaction procedures that comply with Sharia corridors and the urgency of personal data protection amidst the rise of cybercrime. The location was strategically chosen as Tebo Tengah Market is the primary economic hub in the region that has begun adopting non-cash payment systems, yet its traders remain highly vulnerable to digital fraud and financial practices inconsistent with Sharia principles. The implementation method of this service used an Action Research approach involving thematic socialization, simulations of Sharia digital wallet applications, and interactive workshops on data security. The stages included, identification of traders' transaction behavior and technological barriers, education on Sharia contracts in digital transactions, such as the clarity of ijarah or ju'alah contracts in fintech services to avoid elements of usury (riba) and uncertainty (gharar),  training on mitigating personal data breach risks, such as OTP code security techniques, password management, and recognizing phishing modes; and direct assistance in creating Sharia digital financial accounts and activating Sharia QRIS for market stalls. The results of this service indicate a significant increase in legal and economic awareness among traders regarding the Sharia compliance aspects of digital transactions and vigilance toward digital identity security. Prior to the activity, the majority of traders were hesitant to use digital systems due to fears of interest and the risk of balance loss from hacking. Following the activity, traders began to demonstrate the confidence to switch to Sharia QRIS systems and became more selective in sharing personal information with unknown parties. The conclusion of this activity emphasizes that Sharia-based financial education integrated with personal data protection is capable of enhancing the trust and economic independence of Tebo Tengah traditional market traders in embracing safe, blessed, and sustainable digital financial inclusion.