The Implementation of QRIS Payment System among Beginner MSME in Sidowayah, Jenggrik, Kedawung, Sragen
DOI:
https://doi.org/10.56456/jebdeker.v6i2.935Keywords:
QRIS, MSME, Digital Literacy, PaymentsAbstract
This study aims to evaluate the effectiveness of the Quick Response Code Indonesian Standard (QRIS) payment system implementation among new MSMEs in Dukuh Sidowayah, Jenggrik Village, Kedawung District, Sragen Regency. QRIS is a digital payment system created by Bank Indonesia with the purpose of enabling cashless transactions and improving the efficiency of Indonesia’s payment system framework.
This research employed a qualitative method with a descriptive approach. Data collection techniques included observation, interviews, and documentation related to new MSMEs at the research location. The validity of the data was tested using source triangulation and method triangulation techniques to ensure the validity and consistency of the data obtained from various sources and collection methods. The data were analyzed using an interactive analysis model consisting of data reduction, data presentation, and conclusion drawing. The findings indicate that the level of QRIS adoption among new MSMEs in Dukuh Sidowayah is still relatively low. Most business owners still rely on cash transactions due to limited awareness and deeply rooted conventional transaction practices. Nevertheless, several MSMEs have adopted QRIS and experienced significant benefits, including simpler transactions, time efficiency, and increased business income. The main challenge in implementing QRIS lies in the lack of human resources (HR), particularly in terms of digital competence and technological awareness. Based on the research findings, it can be concluded that QRIS has significant potential in supporting MSME growth. However, its successful implementation still requires additional support through educational initiatives, training programs, and improved digital literacy for business owners.
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