Utilization of QRIS Data-Based Alternative Credit Scoring for MSME Financing Risk Mitigation at Sharia Banks in the Semarang Area (Academic research)

Summary

• MSMEs in Ngaliyan show a balanced proportion of QRIS and cash transactions (50:50).p.1
• All informants explicitly reject bank financing despite healthy financial governance.p.1
• The study interviewed six MSME operators in Ngaliyan District, with data collected on July 9, 2026.p.4
• All informants strictly segregate business revenue into a dedicated business account separate from personal savings.p.4
• Integrating QRIS data with dedicated account records yields a financial profile reflecting 100% of actual turnover.p.5
• Informants prefer a fair profit-sharing Sharia system over the fixed-interest systems of conventional banks.p.5

Key insights

1. The lack of formal credit history and accountable financial statements remains the classic obstacle for MSMEs seeking Islamic bank financing.p.1
2. Most MSME operators in Semarang still rely on manual record-keeping.p.2
3. Daily QRIS transactions create a digital footprint capturing turnover, sales frequency and cash flow patterns in real time.p.3
4. Alternative credit scoring can serve as a risk mitigation tool for Non-Performing Financing (NPF).p.3
5. Separating business and personal accounts is a strong indicator of good corporate governance at micro level.p.4
6. Integrating QRIS data helps lower NPF rates because the profile reflects 100% of actual turnover.p.5
7. Refusal to share banking data indicates low trust in the digital security of banks, calling for transparency under the Personal Data Protection Law.p.5