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All Journal Madani: Multidisciplinary Scientific Journal
Purwono, Muhammad Azhar Firdaus
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Analisis Preskriptif Hukum Ekonomi Syariah terhadap Praktik Pengenaan Biaya Administrasi QRIS pada Usaha Mikro Purwono, Muhammad Azhar Firdaus; Dzakir, Muhammad Najwan; Fuad, Hanif Jayidul; Imtiyaz, Mohammad Alqis Fawwazil; J, Jaenudin; Herdiana, Dian
Madani: Jurnal Ilmiah Multidisiplin Vol 3, No 11 (2025): December 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17810678

Abstract

This study aims to analyze the appropriateness of charging administrative fees in digital payment transactions using QRIS among micro-enterprises in light of the regulations of Bank Indonesia and the principles of Islamic economic law (sharia). Using a qualitative method with a prescriptive approach, this research evaluates whether such practice is right or wrong based on interview data from merchants and consumers, as well as a literature review related to digital payment systems, MDR regulation, and fiqh muamalah. The analysis finds that merchants’ imposition of QRIS administrative fees constitutes conduct that is not aligned with regulatory provisions, violates consumer protection principles, and contradicts the principles of fairness, transparency, and the concept of ‘iwadh in muamalah. The findings affirm that QRIS administrative fees are invalid both from a regulatory and sharia perspective, thereby necessitating stronger education and oversight to ensure fair and sharia-compliant digital transaction practices.
Co-Authors Dzakir, Muhammad Najwan Fuad, Hanif Jayidul Herdiana, Dian Imtiyaz, Mohammad Alqis Fawwazil J, Jaenudin