Analisis Penggunaan Quick Response Code Indonesian Standard (QRIS) Sebagai Alat Pembayaran Non Tunai Pada Rumah Makan Dalam Prespektif Ekonomi Islam

Abstract

Analysis of the Use of the Indonesian Standard Quick Response Code (QRIS) as a Non-Cash Payment Instrument at the Nasi Uduk Pak Dar Kudus Restaurant in an Islamic Economic Perspective. This research includes phenomenology where the widespread use of non-cash payments in society has led to the emergence of a new method of payment, namely the Quick Response Code Indonesian Standard (QRIS) launched by Bank Indonesia. As Muslims, of course, in muamalah, of course, we must pay attention to the limitations in the Shari'a, this is so that no one party feels disadvantaged. This study uses a qualitative method, the data obtained by researchers from interviews, observations, and documentation are then adjusted to relevant theories in journals, books, articles and the like and then presented in narrative form. In this study, there were 8 informants consisting of 1 owner of Nasi Uduk Pak Dar RM, 3 buyers at Nasi Uduk Pak Dar RM, 2 lecturers at IAIN Kudus, and 2 GENBI members. The results of this study indicate that the use of QRIS as a non-cash payment instrument at Nasi Uduk Pak Dar RM is in accordance with the function of money in Islam, namely as a medium of exchange, while transactions using QRIS at Nasi Uduk Pak Dar RM are also in accordance with sharia principles in accordance with DSN-MUI Fatwa No. 116/DSN-MUI/IX/2017 concerning Sharia Electronic Money, namely avoiding transactions that contain elements of riba, risywah, gharar, maysir, israf, and tadlis as well as transactions for objects that are haram. In addition, the contracts used in transactions using QRIS at RM Nasi Uduk Pak Dar are sale and purchase contracts and wakalah contracts. This type of multi contract includes al-uqud al-mujtami'ah al mutajanisah