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Problematika Penerapan Quick Response Code Indonesian Sandard (QRIS) di Aceh (Studi Pada UMKM di Kota Banda Aceh)

Jihbiz: Global Journal of Islamic Banking and Finance · Vol. 8 No. 1 (2026) · hlm. 1–23

DOI
10.22373/5z3vzk85
ISSN
2684-8554
Terbit
2026-02-19
Penerbit
Program Studi Perbankan Syariah FEBIII UIN Ar-Raniry
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-sa/4.0

Abstrak

The rapid development of information technology, especially FinTech, has led the dominance of digital finance in Indonesia through digital wallet applications and QR Code. QRIS, the non-cash payment standard of Bank Indonesia, facilitates transactions for consumers and merchants. In Banda Aceh UMKM sector, QRIS is growing rapidly, providing transaction facility but also facing challenges. The study aims to find out how the implementation of the Quick Response Code Indonesian Standard (QRIS) in the Small and Medium Small Enterprises (UMKM) sector in Banda Aceh City is problematic by showcasing the mechanisms of QRIS implementation, its positive impact on UMKM, and the challenges faced. The study uses a qualitative approach with descriptive analysis and the number of informants in the study as many as 17 informants. The research finds that while QRIS has a positive impact, there are barriers such as costs, internet connectivity, application technical problems, as well as a lack of customer improvement and benefits for UMKM. Solutions such as cost subsidies, better internet infrastructure, application updates, efficient time transactions between banks, and educational programmes are needed to address these challenges.

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7 penulis · 13 tautan kepenulisan bersama · 2 lintas organisasi

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  • Universitas Islam Negeri Ar-Raniry
  • University of Leeds
  • Afiliasi tidak diketahui
  • Organisasi berbeda
  • Organisasi sama
  • Afiliasi tidak diketahui
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Rekan penulisOrganisasiArtikel bersama
Hendra SyahputraUniversitas Islam Negeri Ar-Raniry1
Jalilah JalilahUniversitas Islam Negeri Ar-Raniry1
Miftahul JannahAfiliasi tidak diketahui1
Husnul KhatimahUniversity of Leeds1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://jurnal.ar-raniry.ac.id/index.php/jihbiz/oai, pertama di-harvest 7 Nov 2026, terakhir terlihat 7 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Problematika Penerapan Quick Response Code Indonesian Sandard (QRIS) di Aceh (Studi Pada UMKM di Kota Banda Aceh)</dc:title>
	<dc:creator xml:lang="en">Israk Ahmadsyah</dc:creator>
	<dc:creator xml:lang="en">Jalilah, Jalilah</dc:creator>
	<dc:creator xml:lang="en">Renail Rozy</dc:creator>
	<dc:subject xml:lang="en">QRIS</dc:subject>
	<dc:subject xml:lang="en">UMKM</dc:subject>
	<dc:subject xml:lang="en">Problematika Penerapan QRIS</dc:subject>
	<dc:description xml:lang="en">The rapid development of information technology, especially FinTech, has led the dominance of digital finance in Indonesia through digital wallet applications and QR Code. QRIS, the non-cash payment standard of Bank Indonesia, facilitates transactions for consumers and merchants. In Banda Aceh UMKM sector, QRIS is growing rapidly, providing transaction facility but also facing challenges. The study aims to find out how the implementation of the Quick Response Code Indonesian Standard (QRIS) in the Small and Medium Small Enterprises (UMKM) sector in Banda Aceh City is problematic by showcasing the mechanisms of QRIS implementation, its positive impact on UMKM, and the challenges faced. The study uses a qualitative approach with descriptive analysis and the number of informants in the study as many as 17 informants. The research finds that while QRIS has a positive impact, there are barriers such as costs, internet connectivity, application technical problems, as well as a lack of customer improvement and benefits for UMKM. Solutions such as cost subsidies, better internet infrastructure, application updates, efficient time transactions between banks, and educational programmes are needed to address these challenges.</dc:description>
	<dc:publisher xml:lang="en">Program Studi Perbankan Syariah FEBIII UIN Ar-Raniry</dc:publisher>
	<dc:date>2026-02-19</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://jurnal.ar-raniry.ac.id/index.php/jihbiz/article/view/32117</dc:identifier>
	<dc:identifier>10.22373/5z3vzk85</dc:identifier>
	<dc:source xml:lang="en">Jihbiz: Global Journal of Islamic Banking and Finance; Vol. 8 No. 1 (2026); 1-23</dc:source>
	<dc:source>2684-8554</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://jurnal.ar-raniry.ac.id/index.php/jihbiz/article/view/32117/12573</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2026 Israk Ahmadsyah, Jalilah Jalilah, Renail Rozy</dc:rights>
	<dc:rights xml:lang="en">http://creativecommons.org/licenses/by-sa/4.0</dc:rights>
</oai_dc:dc>