QRIS Implementation in Muslim MSMEs: Opportunities and Challenges for Digital Financial Inclusion in Pamekasan
Keywords:
QRIS, Digital Financial Inclusion, Muslim MSMEs, Islamic Business Ethics, Technology Acceptance Model (TAM)
Abstract
Background: This study examines the opportunities and challenges of implementing the Quick Response Code Indonesian Standard (QRIS) to strengthen digital financial inclusion among Muslim micro, small, and medium enterprises (MSMEs) in Pamekasan Regency, Indonesia. Although QRIS adoption has increased nationally, its implementation in socio-religious regions remains uneven due to differences in digital literacy, technological readiness, and trust in digital financial systems. This study integrates the Technology Acceptance Model (TAM), Unified Theory of Acceptance and Use of Technology (UTAUT), and Islamic business ethics to analyze technology acceptance among Muslim MSMEs.
Method: Using a qualitative case study approach, data were collected through in-depth interviews, participant observation, and documentation involving 21 participants selected through purposive sampling. The data were analyzed thematically using the Miles and Huberman interactive model.
Results: The findings reveal that QRIS enhances transaction efficiency, financial transparency, and access to digital financial services among Muslim MSMEs. Islamic ethical values, including amanah, ṣidq, taysīr, and maṣlaḥah, strengthen trust and acceptance toward digital payment systems. However, QRIS implementation continues to face challenges, including limited digital literacy, cybersecurity concerns, infrastructure instability, settlement delays, and resistance to cashless transactions.
Conclusion: This study contributes to the literature by demonstrating that technology acceptance among Muslim MSMEs is shaped not only by perceived usefulness and ease of use but also by socio-religious values and ethical considerations. The findings highlight the importance of integrating digital literacy programs, institutional support, and Islamic ethical approaches to promote inclusive and sustainable digital financial ecosystems.
References
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Mader, P., Duvendack, M., Lees, A., Larquemin, A., & Macdonald, K. (2022). Enablers, Barriers and Impacts of Digital Financial Services: Insights from an Evidence Gap Map and Implications for Taxation (Issue June). https://opendocs.ids.ac.uk/opendocs/handle/20.500.12413/17454
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Nazhifa, N. F. (2025). Digitalisasi Pembayaran Online : Kunci Kemajuan UMKM di Era Digital. 2025(11 Januari 2025). https://vokasi.unair.ac.id/digitalisasi-pembayaran-online-kunci-kemajuan-umkm-di-era-digital/
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Pratiwi, R. (2025). Pamekasan Community, Direct Interview on 28 May 2025.
Putri, B. A., & Madiawati, P. N. (2023). Peran Influencer Media Sosial Dan Kesadaran Merek Terhadap Keputusan Pembelian. Jurnal Fokus Manajemen Bisnis, 13(1), 28–37. https://doi.org/https://doi.org/10.12928/fokus.v13i1.7398
Rachman, A., Julianti, N., & Arkoyah, S. (2024). Challenges and Opportunities for QRIS Implementation as a Digital Payment System in Indonesia. EkBis: Jurnal Ekonomi Dan Bisnis, 8(1), 1–13. https://doi.org/10.14421/ekbis.2024.8.1.2134
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Suliah, & Pabulo, A. M. A. (2023). Pengaruh Media Sosial, Pengetahuan, dan Kemudahan Penggunaan QRIS terhadap Minat Generasi Z dalam Mengadopsi Teknologi Pembayaran Digital. Jurnal Sains Dan Teknologi, 5(2), 619–625. https://doi.org/https://doi.org/10.55338/saintek.v5i2.2280
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Xi, W., & Wang, Y. (2023). Digital Financial Inclusion and Quality of Economic Growth. Heliyon, 9(9). https://doi.org/10.1016/j.heliyon.2023.e19731
Zalukhu, S., & Lattu, A. (2025). The Influence of Using the QRIS Digital Payment Method on Customer Purchasing Decisions. Jurnal Ilmiah Manajemen Kesatuan (JIMKES), 13(1), 445–454. https://doi.org/https://doi.org/10.37641/jimkes.v13i1.3064
Andi Saputra. (2025). Pamekasan Community, Direct Interview on 28 May 2025.
ASPI. (2023). Laporan Tahunan Asosiasi Sistem Pembayaran Indonesia (ASPI) 2023. https://aspi-indonesia.or.id/berita-info/laporan-tahunan/
Ayudiana, S. (2024). Pengguna QRIS didominasi oleh UMKM. In Shofi Ayudiana (Issue 3). https://www.antaranews.com/berita/4236307/pengguna-qris-didominasi-oleh-umkm#:~:text=Menurut data Bank Indonesia%2C transaksi,jumlah merchant 32%2C71 juta.
Aziz, A. (2025). Diskop Pamekasan Beri Pendampingan Pengurusan Izin Usaha Bagi UMKM. April. https://jatim.antaranews.com/berita/910945/diskop-pamekasan-beri-pendampingan-pengurusan-izin-usaha-bagi-umkm
Bank Indonesia. (2024). Sistem Pembayaran & Pengelolaan Uang Rupiah. https://www.bi.go.id/id/layanan/informasi-perizinan/sistem-pembayaran/default.aspx
Barajas, A., Ben Naceur, S., Beck, T., & Belhaj, M. (2020). Financial Inclusion: What Have We Learned So Far? What Do We Have to Learn? IMF Working Papers, 2020(157), 1. https://doi.org/10.5089/9781513553009.001
Birawan, I. G. K., Hidayat, R., & Juhaeni, U. (2024). Peran Financial Literacy dalam Meningkatkan Financial Well-Being di Era Digital. 16(2), 265–273. https://doi.org/https://doi.org/10.47134/jbhi.v1i3.224
Dai, D., Fu, M., Ye, L., & Shao, W. (2023). Can Digital Inclusive Finance Help Small- and Medium-Sized Enterprises Deleverage in China? Sustainability (Switzerland), 15(8), 1–19. https://doi.org/10.3390/su15086625
Dalfa Afsaliani, Difa Fadzrulloh Rustandi, & Ersya Ramdhania Dewi. (2024). Pengaruh Kemudahan Penggunaan QRIS (Quick Response Code Indonesian Standard) Sebagai Transaksi Pembayaran Terhadap Minat Wirausahawan dalam Menggunakan QRIS. Jurnal Ilmiah Wahana Pendidikan, 10(14). https://doi.org/https://doi.org/10.5281/zenodo.13627005
Department of Communication Bank Indonesia. (2023). MDR Qris Bagi Merchant: Kategorisasi dan Simulasi. Bank Indonesia. https://www.bi.go.id/id/publikasi/ruang-media/cerita-bi/Pages/mdr-qris.aspx#:~:text=Saat konsumen melakukan pembayaran menggunakan QRIS di toko,Penyelenggara Jasa Pembayaran %28PJP%29 saat bertransaksi menggunakan QRIS.
Dewi, I. R. (2025). Awas Penipuan Baru Kode QR Kuras Rekening, Kenali Modus Quishing. https://www.cnbcindonesia.com/tech/20250507064724-37-631547/awas-penipuan-baru-kode-qr-kuras-rekening-kenali-modus-quishing#:~:text=Metode quishing merupakan gabungan dari,khusus%2C kejahatan ini kian masif.
Fadhilah, S. A., Nugroho, J. A., & Sangka, K. B. (2021). Pengaruh Kemudahan dan Keamanan terhadap minat menggunakan Quick Response Code Indonesian Standard Pada Pelaku UMKM Binaan Bank Indonesia KPW Solo. BISE: Jurnal Pendidikan Bisnis Dan Ekonomi, 7(3), 1–7. https://doi.org/https://doi.org/10.20961/bise.v7i1.72989
Gunawan, I. (2014). Metode Penelitian Kualitatif Teori & Praktik (2nd ed.). Bumi Aksara.
Hadi. (2025). Hadi, Owner of Mie Bakso Lamongan, Direct Interview on 28 May 2025.
Hakim, A. R., & Nasution, M. I. P. (2024). Eksistensi Transaksi Uang Digital Sebagai Alat Keuangan Modren Di Era Sekarang. PPIMAN : Pusat Publikasi Ilmu Manajemen, 2(1), 191–199. https://doi.org/https://doi.org/10.59603/ppiman.v2i1.295
Ikrar. (2025). Cafe Balada Waiter, Direct interview on 28 May 2025.
Indonesia, B. (2023). Cara Membuat QRIS All Payment Untuk Usaha. Bank Indonesia. https://www.bi.go.id/id/publikasi/ruang-media/cerita-bi/Pages/cara-membuat-qris.aspx
Iqbal. (2024). kasir UMKM Belikopi, wawancara 09 Desember 2024.
Kamalina, A. R. (2024). Mulai 1 Desember 2024, Transaksi QRIS Maksimal Rp500.000 Bebas Biaya di Pedagang Kecil. https://ekonomi.bisnis.com/read/20241016/9/1808129/mulai-1-desember-2024-transaksi-qris-maksimal-rp500000-bebas-biaya-di-pedagang-kecil
Kass-Hanna, J., Lyons, A. C., & Liu, F. (2022). Building financial resilience through financial and digital literacy in South Asia and Sub-Saharan Africa. In Emerging Markets Review (Vol. 51). https://doi.org/10.1016/j.ememar.2021.100846
Komdigi. (2024). Indeks Masyarakat Digital Indonesia. In Kementerian Komunikasi dan DigitalRepublik IndonesiaMedan Merdeka Barat No. 9, Jakarta Pusat, 10110 www.komdigi.go.id. https://imdi.sdmdigital.id/home_2023
Kominfo Jatim. (2020). Bank Indonesia Dukung Implementasi Smart City di Pamekasan Berita Terkait Tidak ada berita terkait. https://kominfo.jatimprov.go.id/berita/bank-indonesia-dukung-implementasi-smart-city-di-pamekasan
Liu, T., Hu, M., Elahi, E., & Liu, X. (2022). Does digital finance affect the quality of economic growth? Analysis based on Chinese city data. Frontiers in Environmental Science, 10(September), 1–16. https://doi.org/10.3389/fenvs.2022.951420
Lutfi. (2025). French Fries Business Owner, Direct Interview on 28 May 2025.
Mader, P., Duvendack, M., Lees, A., Larquemin, A., & Macdonald, K. (2022). Enablers, Barriers and Impacts of Digital Financial Services: Insights from an Evidence Gap Map and Implications for Taxation (Issue June). https://opendocs.ids.ac.uk/opendocs/handle/20.500.12413/17454
Mahdi, K. U. S. I. (2023). Pekerja Migran Pamekasan Pekerja Migran Pamekasan Kurang Minati Berangkat Legal. https://kabarmadura.id/pekerja-migran-pamekasan-kurang-minati-berangkat-legal/
Maisaroh, S., & Wibisono, T. (2022). Pengaruh Media Sosial, Kepercayaan, dan Persepsi Manfaat Terhadap Keputusan Pembelian Online. Jurnal Fokus Manajemen Bisnis, 12(1), 16–29. https://doi.org/https://doi.org/10.12928/fokus.v12i1.5708
Mavlutova, I., Spilbergs, A., Verdenhofs, A., Natrins, A., Arefjevs, I., & Volkova, T. (2023). Digital Transformation as a Driver of the Financial Sector Sustainable Development: An Impact on Financial Inclusion and Operational Efficiency. Sustainability (Switzerland), 15(1). https://doi.org/10.3390/su15010207
Mega, B. (2024). Perkembangan QRIS di Indonesia : Revolusi dalam Pembayaran Non-Tu. October 2024. https://blog.bankmega.com/perkembangan-qris-di-indonesia-revolusi-dalam-pembayaran-non-tunai/
Moleong, L. J. (2018). Metodologi Penelitian Kualitatif (38th ed.). PT Remaja Rosdakarya.
Muzammil. (2025). Owner Seblak Sakera, Direct Interview on 28 May 2025.
Nazhifa, N. F. (2025). Digitalisasi Pembayaran Online : Kunci Kemajuan UMKM di Era Digital. 2025(11 Januari 2025). https://vokasi.unair.ac.id/digitalisasi-pembayaran-online-kunci-kemajuan-umkm-di-era-digital/
Nurdin, N., Restiti, D., & Amalia, R. (2021). Pengaruh Media Sosial Terhadap Response Code Indonesian. Jurnal Ilmu Perbankan Dan Keuangan Syariah, 3(2), 157–173.
Nurhaliza, S. (2025). Pamekasan Community, Direct Interview on 28 may 2028.
Permatasari, M. (2025). Mayang Permatasari, QRIS User Community, Direct Interview on 28 May 2025.
Poskota. (2024). Awas Kena Quishing! Pencurian Data Pribadi Lewat Kode QR, Simak Juga Tips Lindungi Privasi Pengguna. https://www.poskota.co.id/2024/11/23/awas-kena-quishing-pencurian-data-pribadi-lewat-kode-qr-simak-juga-tips-lindungi-privasi-pengguna
Pratiwi, R. (2025). Pamekasan Community, Direct Interview on 28 May 2025.
Putri, B. A., & Madiawati, P. N. (2023). Peran Influencer Media Sosial Dan Kesadaran Merek Terhadap Keputusan Pembelian. Jurnal Fokus Manajemen Bisnis, 13(1), 28–37. https://doi.org/https://doi.org/10.12928/fokus.v13i1.7398
Rachman, A., Julianti, N., & Arkoyah, S. (2024). Challenges and Opportunities for QRIS Implementation as a Digital Payment System in Indonesia. EkBis: Jurnal Ekonomi Dan Bisnis, 8(1), 1–13. https://doi.org/10.14421/ekbis.2024.8.1.2134
Rahman. (2025). Owner Kanji Goreng (Jigor), Direct Interview on 28 May 2025.
Ranian. (2025). Owner of Siomay Prasmanan business, Direct Interview on 28 May 2025.
Sela. (2025). Waitress at Caffe Cikopian, Direct interview on 28 May 2025.
Sugiyono. (2016). Metode Penelitian Kuantitatif, Kualitatif dan Kombinasi (Mixed Methods). In Alfabeta. Alfabeta.
Suhaimi, S., Rifai, A., Heryanti, F., Subroto, G., & ... (2023). Pemahaman Masyarakat Pamekasan Terhadap Sistem Ekonomi Syariah Di Masa Pandemi Covid-19: Sebuah Refleksi Kearifan Lokal …. Kabilah: Journal of …, 8(1), 658–669. https://api.unira.ac.id/pdf/4d96a147545efeffcedb6e64045e2ec0.pdf
Suliah, & Pabulo, A. M. A. (2023). Pengaruh Media Sosial, Pengetahuan, dan Kemudahan Penggunaan QRIS terhadap Minat Generasi Z dalam Mengadopsi Teknologi Pembayaran Digital. Jurnal Sains Dan Teknologi, 5(2), 619–625. https://doi.org/https://doi.org/10.55338/saintek.v5i2.2280
Sutrisno, E. (2024). Transaksi QRIS Melonjak 226 , 54 %, Revolusi Pembayaran Digital di Indonesia. https://indonesia.go.id/kategori/editorial/8434/transaksi-qris-melonjak-226-54-revolusi-pembayaran-digital-di-indonesia
Xi, W., & Wang, Y. (2023). Digital Financial Inclusion and Quality of Economic Growth. Heliyon, 9(9). https://doi.org/10.1016/j.heliyon.2023.e19731
Zalukhu, S., & Lattu, A. (2025). The Influence of Using the QRIS Digital Payment Method on Customer Purchasing Decisions. Jurnal Ilmiah Manajemen Kesatuan (JIMKES), 13(1), 445–454. https://doi.org/https://doi.org/10.37641/jimkes.v13i1.3064
Published
2026-08-03
How to Cite
Khotibul Umam, Faruq, U., Adita, S., Nadya Apriza Azizi, & Husayn, H. (2026). QRIS Implementation in Muslim MSMEs: Opportunities and Challenges for Digital Financial Inclusion in Pamekasan. Sharia Economic and Management Business Journal (SEMBJ), 7(3), 1-10. https://doi.org/10.62159/sembj.v7i3.1902
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Articles
Copyright (c) 2026 Khotibul Umam, Umarul Faruq, Syahda Adita, Nadya Apriza Azizi, Halimi Husayn
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