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Journal : Journal of Innovative and Creativity

Pengaruh Literasi Keuangan Syariah Terhadap Penggunaan Qris Pada Pedagang Muslim Ilyas, Muhammad
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

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Abstract

This study aims to analyze the influence of Islamic financial literacy on the use of the Quick Response Code Indonesian Standard (QRIS) among Muslim merchants. The research employs a qualitative descriptive approach, conducted at Sangkumpal Bonang Market, Padangsidimpuan City. Data were collected through interviews, observations, and documentation, and analyzed using data reduction, data display, and conclusion drawing techniques. The findings indicate that Islamic financial literacy plays a central role in enhancing merchants’ acceptance of QRIS. Merchants who understand the basic principles of Islamic financial transactions—such as the prohibition of riba, the obligation of trustworthiness in wealth management, and fairness—are more likely to adopt digital payment innovations. Conversely, low levels of literacy hinder the adoption of cashless payment technologies. From the perspective of the Qur’an, the use of QRIS can be linked to the command of recording transactions (QS. Al-Baqarah [2]: 282), the prohibition of usury (QS. Al-Baqarah [2]: 275), and the injunction against consuming wealth unjustly (QS. An-Nisa [4]: 29). These principles reinforce the relevance of QRIS to the objectives of Islamic law (maqashid al-shariah), particularly hifz al-mal (protection of wealth), while also supporting security (hifz al-nafs), rational financial management (hifz al-‘aql), and family welfare sustainability (hifz al-nasl). The study concludes that Islamic financial literacy functions not only as a technical skill but also as a spiritual foundation guiding merchants to utilize financial technology in a lawful, safe, and productive manner.
Co-Authors A.A. Ketut Agung Cahyawan W Abd Kadir, Abd Abdul Majid Adrianto, Adrianto Agah D. Garnadi Agus Dwi Susanto Agusman, Agusman Ahmad Fathoni Ahmad Fuady Alam, Saiful Aldha Williyan Alfian Z, Andi Alfian, Andi Almahdy, Andi Muh Alwin, Wanarani Amalia Amalia Amalia, Ginva Amin, Muzakkir AMIN, ROSMINI Amran Analisis Zega, Sabar Andi Alfian Zainuddin Andri Susanto ANDRIA AGUSTA Andriani, Jeni Antonius Herry Cahyana Aria Kekalih Arifurrohman, Arifurrohman Aryati, Risma Ade Asriyani, Sri Atit Kanti Azis, Rahmawati Baan, Junus Bachtiar Murtala Bahruddin Thalib Baiquni, Maulana Barliana, Julie D. Basri, Muhammad Iqbal Bulan Dalimunthe, Derhana Burhanuddin Bahar Cahyono Kaelan, Cahyono Chandra, Levina Cici Darsih Crismono, Prima Cristi Darani, Nurlia Putri Darmiati, Sawitri Data, Rustiari Devei, Astri Dewangga, Adrian Vigo Dewi Sumaryani Soemarko DEWI WULANSARI Diah Pratiwi Dinar Djoko Sutopo Dwi Handayani Dwinna Rahmi Efendi, Sintia Frisky Ekawati, Shindy Elfahmi, Khalida Ikhlasiya Tajdar Gefariena Elga Yanuardianto Endah Setyaningrum, Endah Erni Erwin Erwin Etfita, Fauzul Fahrul Basir Faisal Faisal Fanggidae, Apriana H.J. Fanggidae, Ronald Patrick Costantin Farida Faridin, Faridin Faris Kaisan, Ahmad fatimah Fatimah Fatjriyah, Emilliyatul Laily Ferdy Nurhadi Firdaus, M. Dhafa Fitriani A, Fitriani Fitriyadi Kusuma Foenay, Christien C. Gaffar, Masyita Gufron, Moh. Ali Hafidz Hanafiah Hamdani Thaha, Hamdani Hamidsyukrie, Hamidsyukrie Hayan, Maulana Thoriqul Hendri Busman Heni Pujiastuti Hernawan, . Hernawan, . HP, Faridin Huda, Mifathul I Made Sudiana Idris, Nurlaily Ikram, Muhammad Ikram, Muhammad Ikram Imam, Muh Abdi Indra, Ryan Indrianingsih, A. Wheni Indrianingsih, A. Wheni Irwan Irwan Iswan Iswan Januarius Mujiyanto, Januarius Jasnur, Avrilia Jen Fuk, Liem Joedo Prihartono Johan, Muhammad Phetrus Jufri, Jufriyanto Juhandi, Juhandi Julianto, Adhitya Jumardi, Andi Kaewhanam, Phimlikid Kafrawi Kafrawi Kai, Rosita Kartika Dyah Palupi Khaerunnisa Khaerunnisa, Khaerunnisa Khairunnas Jamal Khofifah, Eva Nur Khomaruzaman, Akmal Kriswinarso, Tri Bondan Kumara Walpita Gamage, Chandima Kuncoro, Teguh Kurniawati, Wensri sevni Latief, Nikmatia Latief, Shofiyah Lil Fudlola, Mudafi’ah Lino, Nopa Sampe Liriwati, Fahrina Yustiasari Lisnawati Ma'rufi Ma'rufi, Ma'rufi Ma’rufi, Ma’rufi Maharani, Intan Malik, Dwi Maheza Mardianto, Umar Martin L. Simanjuntak, Martin L. Marufi Marufi, Marufi Masyhuri Masyhuri Maylani, Lina Ma’rufi Ma’rufi, Ma’rufi Mochamad Guntur Muchtaruddin Mansyur Muhammad Fadjar Perkasa, Muhammad Fadjar Muhammad Kamal Muhammad Ruslin, Muhammad Muhammad Syafar Muhammad Yunus Muharozak, Fahrezi Muhibbah, A. Fitrah Muis, Mirna Mulyadi Mulyadi Mumtazah, Dzul Fithria Nafiz, Farhan Nawi, Syahruddin Nirmala Nirmala, Nirmala Nurambiya, Nurambiya Nurfalaq, Aryadi Nuri Purwito Adi Nurlaili Handayani Nurlita, Cindy Nurul Fatimah Nurul Qomariah Nury Nusdwinuringtyas Patmaniar Patmaniar, Patmaniar Patobun, Patobun Pramono, Rufik Tejo Praptiwi Praptiwi Praptiwi, - Prasetyo, Aditya Agung Purnama, Denta Putra, Aldho Pramana Putra, Ryryn Suryaman Prana Putri, Iin Karmila Putri, Nurul Azzahra Rachma Tullah, Rosna Andini Rafiud Ilmudinulloh Rahayu, Ria Apriyani Rahmat Hidayat Ramli Ramli Ratsmita, Firly Rauf, Rafikah Retno Sari Rismala, Rismala Rizki Ramadani Rosalina, Utami Rosidah Rosidah Rostiani, Winda Rosyida, Vita Taufika Rosyida, Vita Taufika S. Soemarko, Dewi Salsabila, Saila Salwah Saman Hudi Samban, Ida Saputri, Agnes Ratna Saranga Sudusinghe, Wasana SARDIA, SARDIA Sehe, Sehe Sekarutami, Sri Mutya SEPTELIA INAWATI WANANDI Septia Wulandari Seti, Sirikanya Shahat, Salah Shinta, Pricilla Siregar, Trifonia Pingkan Sri Nurdiati Sri Wahyuni Suryati Suryati Susmawati, Susmawati Suud Suud, Suud Syafruddin Syafruddin SYAMSU ALAM Syifa Octaviani, Audia Tajuddin, Muhtar Tanady, Kevin Julius Tartila, Zakiyana Taufik, Feni Fitriani Taufiq Taufiq Taufiq Thalib, Hambali Tukimun, Suci Tria Meirisa Utama, Dharma Vina Yuliana, Vina Wafa, Muhamad Ali Wahidah, Ananda Wahidin Ashari, Nur Wibowo, Suryo Widi Astuti Widjanantie, Siti Chandra Widya Rizky Pratiwi, Widya Rizky wijaya, firad Winahyu, Winahyu Winata, Vera Wuri Apriyana, Wuri Yogi, Muhammad Yuliano, Muhammad Ilhan Yundari, Yundari Yusdira, Ade Yusuf, Hardianti Zahro, Isna Arofatus Zainuddin, Alfian Zainuddin, Andi A. ZM, Hamidsyukrie  Sugiarta,  Iwan