The Effectiveness of Using QRIS (Quick Response Code Indonesia Standard) as a Non-Cash Payment Tool for MSMEs in Margasari Market, Tegal Regency
DOI:
https://doi.org/10.65897/jabda.v2.i1.82Keywords:
Effectiveness, MSMEs, QRISAbstract
QRIS is a digital payment innovation developed by Bank Indonesia to facilitate transactions quickly, safely, without cash. However, QRIS adoption among MSMEs in Margasari Market is still low. This research aims to determine the effectiveness of using QRIS, as a non-cash payment tool for MSMEs in Margasari Market, Tegal Regency. This research uses qualitative data with data collection methods through observation, interviews, documentation and literature study. The research subjects consisted of 10 MSMEs divided into two categories, namely Fashion MSMEs and Coffee Shop MSMEs, which had used QRIS, as a non-cash payment tool. Data analysis was carried out by referring to six indicators of effectiveness, namely system quality, information quality, service quality, usage, user satisfaction and net benefits. Most MSME players find transactions easier, recording sales more regularly, and increasing consumer comfort. However, several obstacles are still found, such as unstable internet networks, delays in funds entering accounts, and low digital literacy among certain consumers. The results of the study show that the use of QRIS in MSMEs in the Margasari Market for Fashion MSMEs is effective and for Coffee Shop MSMEs it is very effective.
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