Penggunaan QRIS dalam Transaksi UMKM Ditinjau dari Perspektif Ekonomi Syariah

Studi Kualitatif pada Pelaku Usaha

Abstract

The development of digital technology has driven significant changes in payment systems within economic activities, including the Micro, Small, and Medium Enterprises (MSMEs) sector. One of the widely adopted digital payment innovations is the Quick Response Code Indonesian Standard (QRIS), which provides convenience, speed, security, and efficiency in transactions. This study aims to analyze the use of QRIS in MSME transactions and examine its implementation from the perspective of Islamic economics. This study employed a descriptive qualitative approach. Data were collected through observation, in-depth interviews, and documentation involving MSME actors who use QRIS in their business activities. The data were analyzed through data condensation, data display, and conclusion drawing and verification. The findings indicate that the use of QRIS provides convenience for MSME actors in receiving payments, accelerates transaction processes, reduces reliance on cash, enhances transaction security, and facilitates transaction record-keeping. From the perspective of Islamic economics, the use of QRIS can generally be implemented as long as the transactions comply with the principles of justice, honesty, transparency, mutual consent between transacting parties, and public benefit (maslahah), while avoiding elements of riba, gharar, maisir, and fraud. Therefore, QRIS can serve as a payment instrument that supports the digitalization of MSMEs while remaining consistent with Islamic economic principles when used responsibly and supported by adequate digital and Islamic financial literacy.