Merchant Perceptions of Qris Use Among Msmes in Medan: an Islamic Economics Perspective
DOI:
https://doi.org/10.24256/kharaj.v8i3.12436Keywords:
QRIS; Merchant Discount Rate; trust; MSMEs; Islamic economicsAbstract
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.
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Copyright (c) 2026 M. Yasir Salim Pardede, Tuti Anggraini, Rahmi Syahriza
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