Penggunaan Layanan Keuangan Digital (QRIS) pada UMKM Muslim di Kawasan Wisata Religi Sunan Ampel Surabaya Perspektif Etika Bisnis Islam

Abstract

The use of the Quick Response Code Indonesian Standard (QRIS) among micro, small, and medium enterprises (MSMEs) has continued to expand, including in religious tourism areas that attract pilgrims from various regions. However, studies on QRIS have largely focused on technological readiness and benefits, while studies examining QRIS transactions among Muslim MSMEs from an Islamic business ethics perspective remain limited. This study aims to analyze the use of QRIS by Muslim MSMEs in the Sunan Ampel Religious Tourism Area, Surabaya, including the reasons for its use, implementation, benefits, challenges, and its alignment with Islamic business ethics. This study employs a descriptive qualitative approach, with informants selected purposively, consisting of Muslim MSME owners who use QRIS and consumers. Data were collected through semi-structured interviews, observation, and documentation, and analyzed using the Miles, Huberman, and Saldaña model with source triangulation. The results show that QRIS is used because of its practicality and the increasing consumer preference for non-cash payments. Transaction practices reflect the values of honesty and transparency through clear price information and matching payment amounts, trustworthiness and responsibility through payment status verification, and ihsan through customer service. The main challenges include unstable internet connections and delays in payment confirmation. These findings indicate that QRIS use can be aligned with Islamic business ethics, although its implementation depends on the behavior of business actors and consumers throughout the transaction process.