Digital Financial Literacy and مَقَاصِدُ الشَّرِيْعَةِ Awareness: The Construction of Hifz al-Mal Knowledge Among Muslim Couples in Danau Panggang

The rapid development of digital financial technology, such as QRIS, has transformed wealth management patterns within Muslim families. From the perspective of Islamic family law, the management of joint assets should ideally be grounded in the values of honesty, transparency, and responsibility. This study aims to analyze the digital financial literacy of married couples in managing joint assets based on maqasid al-shari‘ah. The subjects of this research are Muslim couples residing in the Danau Panggang area, while the object of study is their knowledge regarding household financial digitalization in accordance with maqasid al-shari‘ah values. ​The data collection techniques involved literature reviews and in-depth interviews with married couples regarding the correlation between digital financial literacy and maqasid al-shari‘ah principles in joint asset management. Data validity was verified through triangulation. This research employs a normative-juridical approach combined with descriptive-qualitative methods. The results indicate that the understanding of maqasid al-shari‘ah in the context of financial digitalization stems from religious awareness, technological adaptation, and references to religious authorities. Digital financial literacy based on maqasid al-shari‘ah plays a crucial role in maintaining transparency, prudence, and justice in managing joint assets. Thus, the practice of using QRIS aligns with the objectives of maqasid al-shari‘ah, particularly in the protection of property (حِفْظُ الْمَالِ), justice (الْعَدْلُ), and trust (الْأَمَانَةُ).