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All Journal SINERGI: Jurnal Ilmiah Ilmu Manajemen JURNAL DINAMIKA MANAJEMEN DAN BISNIS Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah MODELING: Jurnal Program Studi PGMI Abdimas Talenta : Jurnal Pengabdian Kepada Masyarakat Jurnal Pengolahan Pangan JURNAL HERITAGE JURNAL MANAJEMEN (EDISI ELEKTRONIK) IKRA-ITH ABDIMAS JURIKOM (Jurnal Riset Komputer) Awang Long Law Review Tasyri` : Jurnal Tarbiyah-Syari`ah-Islamiyah Istinbath: Jurnal Hukum dan Ekonomi Islam Jurnal Tabarru': Islamic Banking and Finance Tabyin; Jurnal Pendidikan Islam International Journal Of Science, Technology & Management (IJSTM) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Bulletin of Information Technology (BIT) International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) International Journal of Science and Society (IJSOC) Kalbisocio: Jurnal Bisnis dan Komunikasi Jurnal Teknik Mesin Mechanical Xplore JUARA: JURNAL WAHANA ABDIMAS SEJAHTERA Jeksyah Tadris: Jurnal Pendidikan Islam Managere: Indonesian Journal of Educational Management MANAGER: Journal of Management and Administration Science SLUMP TeS : Jurnal Teknik Sipil Intelmatics INTERNATIONAL JOURNAL OF SOCIETY REVIEWS (INJOSER) Jurnal Kreatif : Karya Pengabdian untuk Masyarakat Aktif dan Inovatif Digital Innovation : International Journal Of Management Southeast Asian Language and Literature Studies J-CEKI Jurnal Ekonomi Syariah Parewa Saraq: Journal of Islamic Law and Fatwa Review Jurnal Ilmiah Mahasiswa & Penelitian Keperawatan Journal of Computer Science and Technology Application
Syaifuddin
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Journal : Jurnal Ekonomi Syariah

 1 
QRIS BSI SEBAGAI INSTRUMEN INKLUSI KEUANGAN SYARIAH: DAMPAK DAN KENDALA BAGI UMKM DI MASJID AL-MUNAWAR KOTA TERNATE Yunus, Kurniati; Syaifuddin; Usmayani, Ilham Putra; Sudirman, Muh. Sajjaj
Al-Ujrah | Jurnal Ekonomi Syariah Vol. 3 No. 02 (2025): Al - Ujrah | Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAI Darul Ulum Kandangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63216/al-ujrah.v3i02.501

Abstract

The adoption of electronic money through the Quick Response Code Indonesia Standard (QRIS) is an important innovation in supporting transaction digitalization, promoting financial inclusion, and strengthening the economic growth of micro, small, and medium enterprises (MSMEs). Bank Syariah Indonesia (BSI) introduced QRIS as a sharia-compliant payment instrument; however, its implementation still faces challenges at the mosque-based MSME level. This study aims to analyze the impact and obstacles of using BSI QRIS among MSMEs in the Al-Munawar Mosque community in Ternate City, focusing on how its application influences business activities and consumer satisfaction. A qualitative descriptive method was employed with four informants consisting of two MSME actors and two consumers, using Miles and Huberman’s interactive data analysis model, which includes data reduction, data display, and conclusion drawing. The findings reveal that before using QRIS, MSMEs experienced difficulties such as losing potential customers due to limited payment options, slow cash transactions, and challenges in separating personal and business finances. After adopting BSI QRIS, MSMEs benefited from increased sales, time efficiency, stronger brand awareness, and improved transaction recording. The only obstacle reported was internet connectivity issues during unfavorable weather conditions, while no significant challenges were found in the registration or transaction process. These results highlight the importance of BSI QRIS as a sharia-based financial inclusion instrument that can enhance the competitiveness of MSMEs in the digital era.
Co-Authors Abdul Malik I Buna Adhe Kurniawan Afrianty, Noni Ahmad Akbar, Muhammad Caesar Alimansyar Alimuddin, Harwis Amir Mahmud Ardian Setio Utomo Arfianty, Rani Aulia, Titi Betty Cut Dian Izabella Dara Windiyarti Dian Harmaningsih Dian Pratiwi Dirmansyah Dirmanyah Dirmanyah Edwards, John Fajar Rezeki Ananda Lubis Farida Gultom Fathur Rohman, Fathur Fisrika Lahagu Friyanti, Yunida Een Gustiansyah Perdhana Putra Gustina, Nia Hajairin Hartini, Kustin Hasrul Azwar Hasibuan Hilderiah, Rosmawati Ibrahim Ahmad Ifriandi Labolo Jammaluddin, Maryam Kamase, Hamka Witri Kurniasari Febrianti, Binar Kusumawardana, Arya Leila Mona Ganiem Lis Fitramadan Loebis, Roma Ayuni A. Loebis, Roma Ayuni A. Loebis, Roma Ayuni Aminoeddin Maliki, Ona Matondang, Sofiyan Misbahul Munir mita, Armita Moh. Rofiki MUHAMMAD FAHMI Muhammad Fladimir Herlambang Novelita, Maria Nuranissa D. Paemo pengelola, pengelola Pinondang Nainggolan Pramadeka, Katra Purnomo, Dedi PUTRI, NABILAH Qudus Nofiandri Eko Dwi Sucipto Rafika Hani Raudloh, St. Resti Nurfaidah Rikki Paulus Gultom Ris Riana, Derri Romi Adetio Setiawan Roni Prasetyo, Roni Royb Fatkhur Rizal Saefullah Azhari Salman Faris Sarina C.L. Senata Adi Prasetia Setiawan, Romi Adetio Seva Fadillah Simanihuruk , Peran Singgih Dwi Prasetyo Sitepu, Kezia Prissilia Siti Komsiah, Siti Sofiyan Sofiyan Sofiyan Sucipto Sudirman, Muh. Sajjaj Sukarman Sukarman Sulaiman Suriati Tirawani Suwarno, Bambang Suwatah Syaiful Amri Syamsuddin Tengku Riza Zarzani N Toni , Nagian Tyas, Meita Ayu Kurnianing Umarama, Samad Usmayani, Ilham Putra Veithzal Rivai Zainal Wijayanti Yohny Anwar Yudin Yulianti, Yeni Yunarti, Susi Yunus, Kurniati Yusniar Lubis Yusuf Ronny Edward Zabadi, Fairus