Merchant Perceptions of Qris Use Among Msmes in Medan: an Islamic Economics Perspective

M. Yasir Salim Pardede (Universitas Islam Negeri Sumatera Utara)
Tuti Anggraini (Universitas Islam Negeri Sumatera Utara)
Rahmi Syahriza (Universitas Islam Negeri Sumatera Utara)

Al-Kharaj: Journal of Islamic Economic and Business
Vol. 8 No. 3 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi

Purpose: This study examines how MDR perceptions, ease of use, and trust shape MSME merchants' decisions to use QRIS from an Islamic economics perspective. Methods: A qualitative field study among SIMDAKOP-assisted MSMEs in Medan involved ten merchants and two supporting informants. Interview, observation, and documentary data were thematically analyzed and verified. Results: MDR was accepted after merchants understood it as a service fee. QRIS simplified payments and records, while trust arose from regulation, traceability, settlement, and provider support. Technical and literacy constraints did not eliminate continuation intentions. Implications: MDR may constitute ujrah when the service, tariff, responsibility, and deduction are transparent and no surcharge is transferred to consumers. Sustainable adoption requires fee literacy, reliable infrastructure, consumer protection, and informed consent.