TRANSFORMASI POLA TRANSAKSI MASYARAKAT MELALUI IMPLEMENTASI QRIS PADA USAHA WARUNG MAKAN DI KELURAHAN TAMALANREA INDAH KOTA MAKASSAR PERSPEKTIF EKONOMI ISLAM

Abstract

The advancement of digital technology has profoundly reshaped commercial systems within society, especially across the micro, small, and medium enterprise (MSME) sector. Among the innovations driving this shift is the Quick Response Code Indonesian Standard (QRIS), a QR-based digital payment mechanism. This study seeks to examine the evolving patterns of community transactions brought about by the adoption of QRIS among food stall vendors in Tamalanrea Indah Village, Makassar City, while also assessing the phenomenon through the lens of Islamic economics. The research adopts a qualitative approach grounded in field-based inquiry, with data gathered via interviews, direct observation, and documentary review involving both merchants and consumers. The results reveal that the use of QRIS has fostered a gradual movement away from cash-based payments toward cashless alternatives, although the two methods continue to coexist in practice. QRIS is widely regarded as offering practicality, efficiency, and a sense of safety in conducting transactions. Nevertheless, a number of obstacles persist, such as inadequate digital literacy among certain users, connectivity disruptions, and an enduring preference for cash. Viewed from an Islamic economic standpoint, QRIS is deemed consistent with Sharia values, given its capacity to foster transparency, equity, and broader societal benefit.

Keywords: Islamic economics, QRIS, transaction transformation, UMKM, food stalls.

Kemajuan teknologi digital telah memicu pergeseran yang cukup signifikan dalam sistem transaksi masyarakat, terutama pada sektor Usaha Mikro, Kecil, dan Menengah (UMKM). Salah satu terobosan yang turut menopang perubahan tersebut adalah Quick Response Code Indonesian Standard (QRIS), yakni sistem pembayaran digital berbasis kode QR. Penelitian ini bertujuan untuk mengkaji pergeseran pola transaksi masyarakat melalui penerapan QRIS pada usaha warung makan di Kelurahan Tamalanrea Indah, Kota Makassar, sekaligus menelaahnya dari sudut pandang ekonomi Islam. Penelitian ini menggunakan metode kualitatif dengan pendekatan penelitian lapangan (field research), di mana data dihimpun melalui wawancara, pengamatan langsung, serta penelusuran dokumen yang melibatkan pelaku usaha dan konsumen. QRIS dipandang mampu menghadirkan kepraktisan, efisiensi, serta rasa aman dalam bertransaksi. Meski demikian, sejumlah kendala masih ditemukan, antara lain rendahnya literasi digital di kalangan tertentu, gangguan koneksi jaringan, serta kebiasaan sebagian masyarakat yang masih mempertahankan penggunaan uang tunai. Ditinjau dari perspektif ekonomi Islam, penerapan QRIS dipandang selaras dengan prinsip-prinsip syariah karena memuat nilai kemaslahatan, transparansi, dan keadilan..

Kata Kunci:

Ekonomi Islam, QRIS, transformasi transaksi, UMKM, warung makan