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All Journal Pandawa : Pusat Publikasi Hasil Pengabdian Masyarakat
Retno Paluvi
Universitas Islam Negeri Sumatera Utara Medan
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Law, Crime, Criminology & Criminal Justice Public Health Other

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Implmentasi Transformasi Ekonomi Digital melalui QRIS pada UMKM Desa Nagori Kebun Sayur Kec. Sidamanik Kab. Simalungun Andhini Asmita; Retno Paluvi; Tri Putri Rezeki; Mardian Idris harahap
Pandawa : Pusat Publikasi Hasil Pengabdian Masyarakat Vol. 4 No. 4 (2026): Oktober: Pandawa : Pusat Publikasi Hasil Pengabdian Masyarakat
Publisher : Asosiasi Riset Ilmu Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/pandawa.v4i4.3090

Abstract

The digital economic transformation requires Micro, Small, and Medium Enterprises (MSMEs) including those in rural areas to shift from cash-based payment systems to cashless systems based on the Quick Response Code Indonesian Standard (QRIS). This community service initiative aims to describe the QRIS implementation process for MSMEs in Nagori Kebun Sayur, Sidamanik District, Simalungun Regency, and to identify the factors facilitating or hindering successful adoption. A descriptive qualitative approach combined with participatory action research was employed, utilizing data collection methods such as observation, semi-structured interviews, and documentation. The program was executed in five stages: initial survey and identification; outreach and education; assistance with QRIS creation and registration; usage training; and ongoing support accompanied by evaluation. The results indicate that prior to the assistance, the majority of MSME operators relied on cash transactions and possessed limited digital understanding; however, following the intervention, there was an increase in understanding, confidence, and interest in adopting QRIS as an additional payment method. Facilitating factors included smartphone ownership, the need to accommodate cashless buyers, and continuous personal guidance, while hindering factors included limited digital literacy, unstable internet connectivity, and ingrained habits of cash-based transactions. These findings underscore that practical, sustained assistance is key to the successful digital economic transformation of MSMEs in rural areas.
Co-Authors Andhini Asmita Mardian Idris Harahap Tri Putri Rezeki