Analisis Implementasi QRIS (Quick Response Code Indonesia) dalam Transaksi Digital Ditinjau dari Prinsip-Prinsip Ekonomi Syariah

Abstract

Abstract

The development of digital technology has significantly transformed the financial transaction system in Indonesia, particularly through the implementation of QRIS (Quick Response Code Indonesian Standard) as a digital payment instrument. QRIS was developed by Bank Indonesia to integrate various digital payment platforms into a unified QR code system that is practical, efficient, and secure. This study aims to analyze the implementation of QRIS in digital transactions from the perspective of Islamic economic principles. The research uses a qualitative approach with a library research method by examining various books, scientific journals, regulations, and official publications related to QRIS and Islamic economics. The results indicate that QRIS implementation generally aligns with Islamic economic principles such as justice, transparency, efficiency, and public benefit (maslahah). QRIS also supports the concept of Maqasid al-Shariah, particularly in protecting wealth (Hifz al-Mal) through secure and transparent transaction systems. Furthermore, QRIS contributes to increasing financial inclusion and facilitating economic activities among society and micro, small, and medium enterprises (MSMEs). However, several challenges remain, including limited digital literacy, unequal technological infrastructure, concerns regarding transaction fees, and data security issues. Therefore, continuous supervision, public education, and strengthening Sharia-based regulations are necessary to ensure that QRIS implementation remains consistent with Islamic economic principles. This study concludes that QRIS has strong potential to support the development of a modern, inclusive, and sustainable Sharia digital economy ecosystem in Indonesia.