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All Journal Multidisciplinary Indonesian Center Journal Balance: Jurnal Ekonomi
Andi Hakib
Muhammadiyah University of Makassar
Religion Humanities Earth & Planetary Sciences Economics, Econometrics & Finance Education Other

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ANALYSIS OF THE IMPACT OF PAYMENT DIGITALIZATION THROUGH QRIS ON THE ECONOMIC RESILIENCE OF MSMES IN MAKASSAR CITY Wulan Aprilia Utami Putri; Andi Jam'an; Andi Hakib
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 3 No. 2 (2026): Vol. 3 No. 2 Edisi April 2026
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v3i2.2327

Abstract

This study aims to analyze the impact of QRIS (Quick Response Code Indonesian Standard) digital payments on the economic resilience of MSMEs in Makassar City, specifically within the Muhammadiyah University of Makassar area. This study used a qualitative approach with data collection techniques through observation, interviews, and documentation. The results indicate that QRIS digital payments have a positive impact on the economic resilience of MSMEs, small and medium enterprises (SMEs), through increased operational efficiency, ease of transactions without dependence on cash, automated financial recording, increased sales volume, and expanded market access. With a single QR Code for all digital payment platforms, MSMEs are able to reach more consumers, especially the younger generation. Despite technical challenges, MSMEs are able to adapt well. This study concludes that QRIS functions not only as a digital payment tool but also as a strategic instrument that strengthens poverty reduction, income stability, and economic resilience of MSMEs in Makassar City in facing the dynamics of the digital economy.
Effectiveness of Village Fund Policies on Economic and Infrastructure Development in Bonto Jai Village Andi Hakib; Nur Reski Magfirah
Jurnal Ekonomi Balance Vol. 21 No. 2 (2025): December 2025
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/63ac9e98

Abstract

This study examines the effectiveness of Village Fund policies in promoting economic development and infrastructure improvement in Bonto Jai Village, Bissappu District, Bantaeng Regency, Indonesia, during the 2020–2024 period. Employing a mixed-methods approach, the research integrates quantitative and qualitative analyses to provide a comprehensive evaluation of policy outcomes. Quantitative data were obtained from village budget realization reports and analyzed using an effectiveness ratio comparing planned and realized expenditures. Qualitative data were collected through observations, in-depth interviews with village officials, community leaders, and beneficiaries, as well as documentation review, to capture stakeholder perceptions and implementation dynamics. The findings indicate that Village Fund utilization in Bonto Jai Village was generally effective, with effectiveness levels ranging from 90% to 98% over the study period. Infrastructure development, particularly in agricultural support facilities such as farm roads and irrigation systems, significantly improved accessibility, mobility, and productivity. In terms of economic development, Village Fund–supported programs, including the establishment of village-owned enterprises (BUMDes), microenterprise assistance, and capacity-building initiatives, contributed to local economic activity and employment creation. Furthermore, increased community participation in village deliberation forums strengthened transparency and accountability in fund management. Despite these positive outcomes, the study identifies challenges related to unequal benefit distribution, limited community involvement in BUMDes management, and infrastructure maintenance issues. Overall, the study concludes that Village Fund policies have effectively supported local development in Bonto Jai Village, while highlighting the need for improved governance capacity, inclusive participation, and sustainability-oriented planning to enhance long-term policy impact.
Co-Authors Andi Jam'an Nur Reski Magfirah Wulan Aprilia Utami Putri