%0 Thesis
%9 Masters
%A Deva Nabilah, S.H, NIM.: 21203011009
%B FAKULTAS SYARI’AH DAN HUKUM
%D 2023
%F digilib:59131
%I UIN SUNAN KALIJAGA YOGYAKARTA
%K Quick Response Indonesian Code Standard (QRIS), UMKM,  Maqaṣid Asy-Syariah, Jasser ‘Auda
%P 153
%T KEBIJAKAN BANK INDONESIA DALAM PENERAPAN MERCHANT DISCOUNT RATE 0,7% DARI E-PAYMENT QRIS PERSPEKTIF MAQASID ASY-SYARIAH (RESPON MERCHANT MDR 0,7% DAERAH ISTIMEWA YOGYAKARTA)
%U https://digilib.uin-suka.ac.id/id/eprint/59131/
%X This study discusses the response to merchants with an MDR of 0.7% in  the Special Region of Yogyakarta for each QRIS e-payment. The existence of  QRIS is proof that the development of the world of technology and the payment  system in Indonesia has developed, with SUPERIOR characteristics. 1. Universal:  Openness to all levels of society, including for domestic and foreign transactions  and can accept payments for any application that uses the QR Code. 2. Easy: Just  use one cellphone and 1 QRIS for all kinds of payment applications. 3. Profit: It  benefits merchants and buyers because transactions take place precisely and  carefully through one QR code that is used. 4. Direct: Payments with QRIS will  be processed quickly and directly so as to support smooth transactions. From the  success of socializing the use of QRIS, many consumers asked business actors to  immediately use the payment system via QR scans. This is because it is considered  more practical and safe, moreover there is no need to prepare change.  This research is a qualitative descriptive research where the research  process by collecting data is compiled, explained, analyzed and then concluded.  Apart from that, in order to collect data using observation, interview and in  drawing conclusions on the qualitative data, the authors use the deductive  method, namely the method that departs from general knowledge and then  evaluates things that are specific in the Special Region of Yogyakarta.  The results of this study indicate that the vision and mission of the Vision  of the Indonesian Payment System (SPI) 2025 which is in order to support the  integration of the national digital financial economy so as to ensure that the  functions of the central bank in the process of money circulation, monetary policy,  and financial system stability are aligned with what is being carried out.  However, from the 6 features of the maqāṣid asy-syarīah system approach  according to Jāsser ‘Auda, in terms of multidimensionality that takes into account  facts on the ground, not a few merchants have complained about the application  of MDR, especially the 0.7% MDR which will be deducted when transacting with  MSMEs. Because the profits are relatively small, many MSMEs apply the  technique of adding money when buyers want to make transactions through QRIS.  This addition averages Rp. 500-1,000, -, then with features aimed at being the  most core thing that merchants with an MDR of 0.7% in the city of the Special  Region of Yogyakarta explain that the vision and mission and characteristics of  SUPERIOR have reached a satisfactory point, but not with an MDR deduction  which has been set.
%Z Pembimbing: Dr. Gusnam Haris, S.Ag., M.Ag