Wadiah: Jurnal Perbankan Syariah
Vol. 10 No. 2 (2026): Wadiah: Jurnal Perbankan Syariah

Peran Quick Response Code Indonesian Standard (QRIS) Dalam Mendorong Pertumbuhan Usaha Mikro, Kecil, Dan Menengah (UMKM) Melalui Pembayaran Digital Di Indonesia

Erni Zulfa Arini (UIN Syekh Wasil Kediri)



Article Info

Publish Date
31 Jul 2026

Abstract

The Quick Response Code Indonesian Standard (QRIS) plays a pivotal role in accelerating the growth of Micro, Small, and Medium Enterprises (MSMEs) through digital payments in Indonesia. Unlike prior empirical studies that were often limited to specific geographic regions, this article synthesizes comprehensive findings regarding QRIS's contribution to MSME growth from a payment digitalization perspective. Utilizing a descriptive-analytical literature review approach based on content analysis of publications from 2020 to 2025, the results indicate that successful QRIS adoption is driven by perceived usefulness and perceived ease of use. These factors lead to operational efficiency, market expansion, and enhanced financial accounting transparency. However, its impact varies depending on digital literacy, geographic location, and business scale. This study also integrates an Islamic Economics perspective (maqāṣid al-syarī‘ah & ḥifẓ al-māl). The findings are expected to serve as a foundation for policymakers and MSME actors in optimizing QRIS implementation.

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Journal Info

Abbrev

wadiah

Publisher

Subject

Description

Wadiah: Jurnal Perbankan Syariah is an research journal in the scope of Islamic Banking published by Fakultas Ekonomi dan Bisnis Islam, UIN Syekh Wasil Kediri. This academic journal serves as a platform for scholarly discussions in Islamic banking studies, following a rigorous peer-review process. ...