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All Journal Ar-Rasyid: Jurnal Publikasi Penelitian Ilmiah
Tiara Muslimah
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Religion Humanities Economics, Econometrics & Finance Education Social Sciences

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Penggunaan Qris Dan Perubahan Pola Transaksi Keuangan Di Era  Digital: Tinjauan Ekonomi Syariah Ahmad Rezky Adenan; Tiara Muslimah; Erwan Setyanoor
Ar-Rasyid: Jurnal Publikasi Penelitian Ilmiah Vol. 2 No. 1 (2026): Ar-Rasyid: Jurnal Publikasi Penelitian Ilmiah (Januari 2026)
Publisher : PT. Saha Kreasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64788/ar-rasyid.v2i1.280

Abstract

The digital economic transformation has significantly altered financial transaction patterns, particularly through the transition from cash-based payments to digital systems. In Indonesia, the Quick Response Code Indonesian Standard (QRIS), introduced by Bank Indonesia, serves as a national standard for QR code–based digital payments. This study examines the role of QRIS in shaping financial transaction behavior in the digital era and evaluates its compatibility with Islamic economic principles. Using a library research method, this study analyzes academic literature, regulatory documents, and prior studies related to digital payments and Islamic finance. The findings indicate that QRIS enhances transaction efficiency, supports financial inclusion, and improves financial transparency, especially for micro, small, and medium enterprises (MSMEs). From an Islamic economic perspective, QRIS functions as a payment instrument and does not affect contract validity as long as transactions are conducted voluntarily, transparently, and free from riba, gharar, and maysir. Nevertheless, concerns remain regarding the fairness of the Merchant Discount Rate (MDR) if mutual consent is unclear. Overall, QRIS contributes to an inclusive and efficient digital financial ecosystem within Islamic economic principles.
Co-Authors Ahmad Rezky Adenan Erwan Setyanoor