Perkembangan teknologi digital telah mendorong transformasi sistem pembayaran pada berbagai sektor, termasuk Usaha Mikro, Kecil, dan Menengah (UMKM) halal. Penerapan sistem pembayaran digital berbasis QRIS di Kabupaten Bangkalan diharapkan mampu meningkatkan efisiensi transaksi, memperlancar proses pembayaran, serta memberikan dampak terhadap persepsi pendapatan pelaku usaha. Namun, implementasinya masih menghadapi berbagai kendala, seperti keterbatasan literasi digital dan infrastruktur. Penelitian ini bertujuan menganalisis persepsi pelaku UMKM halal terhadap implikasi digitalisasi sistem pembayaran terhadap persepsi pendapatan dan kelancaran transaksi, mendeskripsikan implementasi sistem pembayaran digital berbasis QRIS, serta mengidentifikasi faktor pendukung dan penghambat penerapannya. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan metode Multiple Case Study. Data diperoleh melalui wawancara mendalam, observasi, dan dokumentasi terhadap delapan pelaku UMKM halal dan lima konsumen di Kabupaten Bangkalan yang telah menggunakan QRIS sebagai sistem pembayaran digital. Analisis data dilakukan menggunakan Thematic Analysis, sedangkan keabsahan data diuji melalui triangulasi sumber dan triangulasi teknik. Hasil penelitian menunjukkan bahwa penggunaan QRIS memberikan persepsi positif terhadap pendapatan dan kelancaran transaksi. Sebagian besar pelaku UMKM merasakan peningkatan jumlah transaksi karena konsumen lebih mudah melakukan pembayaran secara non-tunai. Selain itu, QRIS mempercepat proses pembayaran, mengurangi kesalahan perhitungan uang, meminimalkan kendala uang kembalian, meningkatkan transparansi pencatatan transaksi, serta memberikan kenyamanan bagi pelaku usaha dan konsumen. Meskipun demikian, penerapannya masih menghadapi hambatan berupa gangguan jaringan internet, keterlambatan notifikasi pembayaran, dan keterbatasan literasi digital. Dalam perspektif ekonomi syariah, penggunaan QRIS selaras dengan prinsip muamalah karena mengedepankan transparansi, keadilan, kemaslahatan, dan kerelaan kedua belah pihak.


Deskripsi Lain

The rapid development of digital technology has transformed payment systems across various sectors, including halal Micro, Small, and Medium Enterprises (MSMEs). The implementation of the Quick Response Code Indonesian Standard (QRIS) digital payment system in Bangkalan Regency is expected to improve transaction efficiency, facilitate payment processes, and influence business owners' perceptions of income. However, its implementation still faces several challenges, including limited digital literacy and infrastructure. This study aims to analyze the perceptions of halal MSME owners regarding the implications of digital payment system digitalization on perceived income and transaction smoothness, describe the implementation of the QRIS-based digital payment system, and identify the supporting and inhibiting factors affecting its implementation. This study employed a descriptive qualitative approach using a Multiple Case Study method. The research involved eight halal MSME owners and five consumers in Bangkalan Regency informants. Data were collected through in-depth interviews, observations, and documentation, and were analyzed using Thematic Analysis. Data validity was ensured through source triangulation and technique triangulation. The findings indicate that the use of QRIS has a positive impact on business owners' perceptions of income and transaction smoothness. Most MSME owners experienced an increase in transaction activities because customers found it easier to make cashless payments. In addition, QRIS accelerated payment processing, reduced cash calculation errors, minimized problems related to change, improved transaction recording transparency, and enhanced convenience for both business owners and consumers. Nevertheless, several obstacles remain, including unstable internet connections, delayed payment notifications, and limited digital literacy. From the perspective of Islamic economics, the use of QRIS is consistent with the principles of muamalah it promotes transparency, justice, public benefit (maslahah), and mutual consent between the transacting parties.