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All Journal Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Ilmu Pendidikan dan Sains Islam Interdisipliner
Hanin Fara Atiqoh
Universitas Nurul Jadid
Religion Humanities Economics, Econometrics & Finance Library & Information Science Social Sciences

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ANALYSIS OF THE USE OF DIGITAL PAYMENT METHODS (QRIS) IN MIE SAMYU MSMES IN INCREASING CONSUMER SATISFACTION Moh. Idil Ghufron; Hanin Fara Atiqoh; Dwi Nurul Hidayati
JURNAL PROFIT Vol 9, No 2 (2025): Economic And Financial Institutions
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i2.13363

Abstract

Digital transformation in the financial sector has encouraged the presence of technology-based payment methods, one of which is the Quick Response Code Indonesian Standard (QRIS). This innovation is designed to simplify and accelerate the transaction process, as well as increase financial inclusion, especially for Micro, Small and Medium Enterprises (MSMEs). This study aims to analyze the extent to which the use of QRIS digital payment methods affects the level of consumer satisfaction in Mie Samyu MSMEs, a culinary business that has implemented QRIS in its operations. This research uses a qualitative paradigm with a case study approach. Data was collected through in-depth interviews, participatory observations, and documentation of Mie Samyu MSME owners, employees, and customers. The data analysis technique used is thematic analysis, which aims to identify patterns of consumer perception of the use of QRIS in their transaction experience. This research is expected to be able to fill the empirical gap regarding the impact of the use of QRIS on the MSME sector specifically and answer the research gap in the academic literature related to the relationship between digital payment methods and consumer satisfaction in the culinary sector. The results of this research are also expected to make a practical contribution in encouraging the digitalization of MSMEs in a sustainable manner and become a reference for public policies in optimizing the use of QRIS as a national digital economy instrument.
Protection Consumer In Pre-Order Based Transactions Salam Contract : The Role of Sharia Fintech and Mechanisms Romzatul Widad; Hanin Fara Atiqoh
Jurnal Ilmu Pendidikan dan Sains Islam Interdisipliner Vol. 5 No. 3 Agustus 2026: Jurnal Ilmu Pendidikan dan Sains Islam Interdisipliner
Publisher : Yayasan Azhar Amanaa Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59944/jipsi.v5i3.977

Abstract

The development of digital technology encourages changes in economic transaction practices, including the use of pre-order systems for UMKM. However, from the perspective of sharia economics, this practice still faces problems such as delays in delivery, mismatches of goods, and lack of transparency that have the potential to cause elements of gharar. Akad salam is a relevant concept in this transaction, while sharia fintech with an escrow mechanism can act as a consumer protection solution. This study aims to analyze the suitability of pre-order practices in Ayubi Hijab Kraksaan UMKM with the salam contract and examine the role of sharia fintech and escrow mechanisms. The method used is a qualitative approach with a case study design through interviews, observations, and documentation. The results of the study show that the practice of pre-ordering has fulfilled some of the principles of the salam contract, especially in advance payment and clarity of goods specifications, although there are still obstacles to the timeliness and suitability of products. The implementation of the escrow mechanism has been proven to increase transaction security, consumer confidence, and minimize the risk of default. Therefore, the integration of salam contracts, sharia fintech, and escrow is an innovative model that supports digital transactions that are transparent, fair, and in accordance with sharia principles.
Co-Authors Dwi Nurul Hidayati Gufron, Moh Idil Romzatul Widad