Sistem Pembayaran Digital Quick Response Code Indonesian Standard (QRIS) Dalam Transaksi Digital Menurut Hukum Ekonomi Islam: Studi Pada Pelaku Usaha Di Banda Aceh

This study is motivated by the rapid growth of digital payment systems in Indonesia, particularly through the implementation of the Quick Response Code Indonesian Standard (QRIS) as a national standard issued by Bank Indonesia. Although QRIS regulations do not stipulate a minimum payment limit, in practice, many business actors in Banda Aceh set a minimum transaction threshold for reasons of cost and efficiency. Using a qualitative, normative empirical approach, this research combines the analysis of legal norms with field data from interviews with business actors and QRIS users in Banda Aceh. The interview results reveal that while most traders acknowledge QRIS as an efficient and transparent system that accelerates money circulation, some small merchants find the Merchant Discount Rate (MDR) fee burdensome, leading them to impose minimum payment policies. This condition creates an imbalance between regulatory provisions and real practices. The findings show that, in principle, QRIS aligns with Islamic law because it promotes transparency, efficiency, and convenience. Yet the unilateral imposition of transaction limits by merchants may contradict the principles of justice and fairness. Therefore, it is recommended that Bank Indonesia and related authorities formulate additional policies that ensure QRIS implementation remains equitable, beneficial, and fully compliant with the values of Islamic economic law.