Hayatunnisa, Hayatunnisa and Fajar Hidayat, Muhammad and Widiyani, Heni (2025) PERLINDUNGAN KONSUMEN TERHADAP TRANSAKSI MENGGUNAKAN QUICK RESPONSE CODE INDONESIAN STANDARD YANG MENGENAKAN BIAYA TAMBAHAN (STUDI PADA PELAKU USAHA DI KELURAHAN AIR RAJA KECAMATAN TANJUNGPINANG KOTA). S1 thesis, Universitas Maritim Raja Ali Haji.

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Abstract

Consumer Protection Against Transactions Using Quick Response Code Indonesian Standard with Additional Fees (A Study on Business Actors in Air Raja Village, Tanjungpinang Kota District) By Hayatunnisa NIM. 2005040018 Abstract Ransactions using the quick response code indonesian standard at supermarkets in Air Raja Subdistrict, Tanjungpinang City, that impose additional charges (surcharge) may violate consumer rights as regulated in Article 4 of Law No. 8 of 1999 on Consumer Protection. This article guarantees consumers' rights to comfort, security, and clear information about the goods or services they purchase. Imposing additional charges without transparent notification can harm consumers and violate their right to accurate information. Bank Indonesia regulations, particularly Article 52 of Bank Indonesia Regulation No. 23/6/PBI/2021, prohibit businesses from imposing extra fees on QRIS transactions. The purpose of this study is to analyze the implementation of consumer protection in QRIS transactions at supermarkets in Air Raja Subdistrict, Tanjungpinang City, and to examine the role of supervision by authorities, including Bank Indonesia, in ensuring business compliance with existing regulations. This research uses a normative-empirical legal approach, combining legal theory and field practices. The findings reveal inconsistencies between Bank Indonesia's regulations on additional charges and the practices in supermarkets in Air Raja Subdistrict, where such charges are still imposed on consumers. This issue arises due to a lack of socialization, education, and effective supervision by relevant authorities. Further evaluation and action are necessary to ensure proper regulation enforcement and the protection of consumer rights Keywords: Consumer Protection, QRIS, Transactions, Additional Charges, Businessmen

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