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

Erni Zulfa Arini

doi:10.30762/wadiah.v10i2.3829

Authors

Erni Zulfa Arini UIN Syekh Wasil Kediri

DOI:

https://doi.org/10.30762/wadiah.v10i2.3829

Keywords:

QRIS, pembayaran digital, UMKM, inklusi keuangan

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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