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PERLINDUNGAN HUKUM TERHADAP PELAKU USAHA UMKM SEBAGAI MERCHANT DALAM SISTEM TRANSAKSI PEMBAYARAN NON-TUNAI BERBASIS QUICK RESPON CODE INDONESIAN STANDARD (QRIS) DI YOGYAKARTA
The use of QRIS as a digital payment system in Yogyakarta continues to increase each month, with a total of 747,336 merchants registered for QRIS as of April 2024. However, the use of QRIS does not automatically bring positive impacts for Micro, Small, and Medium Enterprises (UMKM) business owners. The launch of QRIS is one of the government's efforts to improve the welfare of UMKM business owners and make it easier for them to conduct transactions in this digital age. This is because UMKM business owners play a crucial role as a potential sector and a pillar in maintaining economic stability in Indonesia. In reality, UMKM business owners encounter both internal and external problems that hinder payment transactions. In this study, the researcher uses the theory of legal protection and the theory of dispute resolution. The research method used is empirical research through field research. The data collection techniques in this study include sampling, interviews, literature studies, and documentation with various relevant parties. The data analysis used in this study is qualitative analysis, presented in a descriptive-analytic manner. The results of this study show that legal protection for UMKM business owners as QRIS merchants who are harmed due to issues such as system errors, etc., is accommodated in Bank Indonesia Regulation No. 3 of 2023 concerning Consumer Protection by Bank Indonesia. It states that PJSP (Payment System Service Providers) are responsible for resolving issues caused by payment delays. If the complaint is not resolved properly, Bank Indonesia opens a complaint mechanism related to this issue. In addition, disputes can also be resolved through alternative dispute resolution institutions if consumers reject the settlement results provided by the organizers, as outlined in Article 51 of the Bank Indonesia Governor's Regulation No. 20 of 2023 concerning the Procedures for Implementing Consumer Protection by Bank Indonesia. The dispute resolution conducted by UMKM business owners as QRIS merchants in this study is through problem-solving with a negotiation method between the parties. Negotiations are carried out by exchanging phone numbers and identities of UMKM business owners and buyers who can be contacted to provide updates regarding the payment issue caused by system errors or by settling the order payment amount that should have been paid by the buyer in the case of a fake QRIS payment proof.
FAKULTAS SYARI’AH DAN HUKUM, UIN SUNAN KALIJAGA YOGYAKARTA
PERLINDUNGAN HUKUM TERHADAP PELAKU USAHA UMKM SEBAGAI MERCHANT DALAM SISTEM TRANSAKSI PEMBAYARAN NON-TUNAI BERBASIS QUICK RESPON CODE INDONESIAN STANDARD (QRIS) DI YOGYAKARTA (Text)
PERLINDUNGAN HUKUM TERHADAP PELAKU USAHA UMKM SEBAGAI MERCHANT DALAM SISTEM TRANSAKSI PEMBAYARAN NON-TUNAI BERBASIS QUICK RESPON CODE INDONESIAN STANDARD (QRIS) DI YOGYAKARTA (Other)
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