PERAN QRIS DALAM MENDORONG PERTUMBUHAN PENDAPATAN PELAKU UMKM DI INDONESIA
DOI:
https://doi.org/10.69714/h6r8ag54Keywords:
QRIS, UMKM, Financial Inclusion, Income Growth, Digital EconomyAbstract
Digital transformation in payment systems has become an important element in the development of the Micro, Small, and Medium Enterprises (MSME) sector in Indonesia. One of the innovations developed to promote transaction efficiency and financial inclusion is the Quick Response Code Indonesian Standard (QRIS), which was introduced by Bank Indonesia in 2019. This study aims to describe and understand the role of QRIS in driving the income growth of MSME players in Indonesia through a descriptive qualitative approach. Data collection was carried out using documentary studies through various official sources such as publications from Bank Indonesia, the Financial Services Authority (OJK), the Central Statistics Agency (BPS), reports from the Ministry of Cooperatives and MSMEs, and relevant academic literature. This study focuses on exploring the contribution of QRIS to transaction convenience, market access, and opportunities for increasing MSME income as part of the development of the digital economy in Indonesia.
References
E. Chyntia et al., “Dampak Sistem Pembayaran Qris Terhadap Peningkatan Pendapatan UMKM di Kabupaten Bireuen,” vol. 23, no. 2, pp. 241–259, 2025.
N. Alifia and E. Permana, “Analisis Penggunaan Qris Terhadap Peningkatan Pendapatan UMKM,” vol. 25, no. 1, 2024.
A. P. Sinaga, M. Jannah, T. A. Raafigustina, S. Sitompul, and S. Lusa, “Efektifitas Penggunaan Mobile Payment Qris dalam Meningkatkan Penjualan UMKM di Bidang Kuliner ( Studi UMKM Suryakencana Bogor ),” vol. 4, no. 9, pp. 3334–3341, 2025.
I. Z. Balqis and H. Safitri, “Pengaruh Literasi Keuangan dan Kemudahan Sistem QRIS Terhadap Pendapatan UMKM di,” vol. 8, no. 3, 2024, doi: 10.18196/rabin.v8i3.22615.
Y. R. Suci, S. Tinggi, and I. Ekonomi, “PERKEMBANGAN UMKM ( USAHA MIKRO KECIL DAN MENENGAH ) DI INDONESIA,” vol. 6, no. 1, pp. 51–58, 2017.
A. Persepsi et al., INDONESIA STANDARD ( QRIS ) SEBAGAI.
E. Permana, “UMKM,” pp. 102–115.
L. J. Moleong, “‘Metodologi Penelitian Kualitatif (Edisi Revisi).,’” PT. Remaja Rosda Karya., 2017.
W. P. Anggreani and C. W. Wolor, “Analisis Penerapan Sistem Pembayaran Quick Response Code Indonesian Standard ( QRIS ) pada Kantin Baru Universitas Negeri Jakarta khususnya yang didominasi oleh generasi milenial ( mahasiswa ) yang menuntut segala aspek Dalam hal ini penulis juga melakukan pra-riset dengan menyebarkan kuesioner mengenai baru Universitas Negeri Jakarta kepada 20 orang yang terdiri dari 14 mahasiswa dan 6 penjual,” vol. 1, no. 5, pp. 58–71, 2023.
and M. I. P. Fauziyah, Laylatul, “‘Persepsi Dan Risiko QRIS Sebagai Alat Transaksi Bagi UMKM.,’” Ekon. J. Econ. Bus., 2023.
S. Erika, M. R. Wahyudi, N. B. Maharani, and F. A. Nofirda, “Analisis Pembayaran dengan Menggunakan Sistem Qris Untuk Meningkatkan Kinerja UMKM di Pekanbaru,” vol. 7, pp. 499–505, 2023.
M. N. Nahak, “‘Pengaruh Perkembangan Ekonomi Digital Terhadap.,’” 2022.
N. Eleazar and A. Nurul, “Integrated QR Payment System ( QRIS ): Cashless Payment Solution in Developing Country from Merchant Perspective,” vol. 32, no. 3, pp. 630–655, 2025.
J. Ekonomi and U. P. Ganesha, “PENERAPAN TRANSAKSI PAYMENT GATEWAY BERBASIS QRIS PADA UMKM ( Study Empiris Pada Pedangang di Pantai Penimbangan ),” vol. 8, no. 2, pp. 331–337, 2022.
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Jurnal Ekonomi Bisnis dan Kewirausahaan
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
