RAHMANI HUSNA SYLVIA Primary Author mixed material bibliography fakultas tarbiyah uin saizu prodi HES 2025 id Indonesia

Skripsi

Digital transformation in the payment system is one of the strategic steps in encouraging economic growth in the micro, small, and medium enterprises (MSMEs) sector. The Quick Response Code Indonesian Standard (QRIS) is present as an innovation to simplify digital transactions in various business lines, including MSMEs. However, behind these benefits, there are potential risks that can affect the sustainability and security of business actor transactions, especially in the context of the sharia economy which emphasizes the principles of justice, transparency, and protection of community interests. This study focuses on MSMEs fostered by Bank Indonesia Purwokerto Representative Office to evaluate in depth the risks of using QRIS in MSME digitalization and review its suitability with Islamic economic principles. This study uses a qualitative approach with a case study method. Data collection was carried out through in-depth interviews with MSME actors, field observations, and reviews of relevant literature. Data analysis was carried out descriptively-qualitatively using the perspective of maqashid sharia as an evaluative framework. The results of the study indicate that there are several main risks in the use of QRIS by MSMEs, namely technical risks (such as signal and system interference), security risks (such as QR code forgery and late funds received), digital literacy risks (related to user ignorance in reading reports and understanding features), and consumer adaptation risks (minimal awareness and use of QRIS by customers). In the magashid sharia review, these risks can affect the protection of property (hifzh al-mal), reason (hifzh al-'aql), and public welfare (maslahah 'ammah). Therefore, strengthening digital literacy, sharia economic education, and improving technological infrastructure are needed so that the implementation of QRIS can avoid elements of uncertainty (gharar), and is able to realize fair, trustworthy, and inclusive transactions according to Islamic economic principles. D'I Sharia Economics. Magashid RAHMANI HUSNA SYLVIA NONE UPT PERPUSTAKAAN UIN SAIZU Jl. A. Yani 40A Purwokerto 53126 25SK5101853.1 Perpustakaan UIN Saizu Purwokerto (lt,3) 101853 2025-08-22 15:15:14 2025-08-22 15:16:54 machine generated