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All Journal Jurnal Kompetitif : Media Informasi Ekonomi Pembangunan, Manajemen dan Akuntansi Valid Jurnal Ilmiah Journal Ilmiah Rinjani : Media Informasi Ilmiah Universitas Gunung Rinjani Bhakti Nagori (Jurnal Pengabdian kepada Masyarakat) Media Bina Ilmiah Kompeten: Jurnal Ilmiah Ekonomi dan Bisnis Inkubis: Jurnal Ekonomi dan Bisnis Valid Jurnal Pengabdian Management Studies and Business Journal Kredibel: Jurnal Ilmiah Manajemen Sasambo: Jurnal Abdimas (Journal of Community Service) Journal of Management Ganec Swara
Ariffianti, Indah
Sekolah Tinggi Ilmu Ekonomi AMM
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QRIS Adoption and Its Impact on the Financial Performance of MSMEs in the Digital Era Indah Ariffianti; Erviva Fariantin; Yusi Faizathul Octavia; Ulfiyani Asdiansyuri
Journal of Management Vol. 5 No. 2 (2026): July-December
Publisher : Yayasan Pendidikan Belajar Berdikari

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Abstract

The Quick Response Code Indonesian Standard (QRIS) has become the main entry point of micro, small, and medium enterprises (MSMEs) into Indonesia's digital financial ecosystem, yet adoption figures say little about whether adoption improves business finances. This article explains how QRIS adoption may affect MSME financial performance and under what conditions. An integrative narrative review combines technology-adoption theory, payment-economics and small-business-finance literature, and Bank Indonesia statistics and policy announcements reported up to October 2026. The synthesis identifies three groups of adoption determinants (technological, organizational, environmental) and four channels to financial performance: market reach and sales, cost and operating efficiency, quality of financial records, and access to financing. These effects are conditional on merchant size, sector, digital and financial literacy, connectivity, and the fee regime, including the expanded zero merchant discount rate (MDR) that took effect on 1 October 2026. The article advances six propositions and a conceptual framework and argues that acceptance of QRIS alone does not guarantee better performance: benefits depend on whether owners use the transaction data and cash-flow visibility that QRIS generates. Implications for owners, providers, and regulators and a research agenda are discussed.
Pemanfaatan Limbah Batang Jagung Menjadi Briket Biomassa Sebagai Energi Alternatif Bernilai Ekonomi Ariffianti, Indah; Fariantin, Erviva; Hidayat, Sukma; Oktaviani, Yusi Faizatul; Hikmah, Hikmah; Mutia, Galuh Ratna; Asdiansyuri, Ulfiani
Sasambo: Jurnal Abdimas (Journal of Community Service) Vol. 8 No. 4 (2026): November
Publisher : Lembaga Penelitian dan Pemberdayaan Masyarakat (LITPAM)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/sasambo.v8i4.6894

Abstract

Batang jagung merupakan residu pascapanen yang berpotensi diolah sebagai bahan baku briket biomassa. Di Dusun Ireng Lauq, Desa Jatisela, pemanfaatan residu jagung oleh Kelompok Tani Rahayu masih menghadapi keterbatasan peralatan dan kebutuhan penguatan pemahaman proses pengolahan. Kegiatan pengabdian ini bertujuan memperkuat pengetahuan peserta mengenai pemanfaatan batang jagung dan memberikan pengalaman praktik melalui edukasi serta demonstrasi. Kegiatan berlangsung pada 17–21 September 2026 dengan tahapan observasi, pre-test, sosialisasi, demonstrasi oleh tim pendamping, praktik partisipatif pada tahap yang aman, diskusi, post-test, dan evaluasi. Analisis deskriptif menggunakan 13 pasangan data pre-test dan post-test lengkap dengan skor maksimum 25. Rata-rata skor meningkat dari 22,54 menjadi 23,62; persentase skor terhadap skor maksimum meningkat dari 90,15% menjadi 94,46% atau bertambah 4,31 poin persentase. Sembilan peserta memperoleh skor lebih tinggi dan empat peserta memiliki skor tetap. Peserta memperoleh pengalaman praktik dalam memahami alur pemanfaatan batang jagung. Hasil ini menunjukkan penguatan pengetahuan yang teramati dalam evaluasi jangka pendek, bukan bukti peningkatan keterampilan terukur, mutu briket, maupun manfaat ekonomi dan lingkungan. Education and Demonstration of Corn Stalk Utilization as Biomass Briquettes in Jatisela Village Corn stalks are post-harvest residues with potential use as feedstock for biomass briquettes. In Ireng Lauq Hamlet, Jatisela Village, the Rahayu Farmers Group faces limited production equipment and needs further understanding of the processing stages. This community service activity aimed to reinforce participants’ knowledge of corn stalk utilization and provide practical exposure through education and demonstration. Conducted on 17–21 September 2026, the activities included observation, a pre-test, outreach, a supervised demonstration, participation in safe activities, discussion, a post-test, and evaluation. Descriptive analysis was based on 13 complete paired pre-test and post-test records with a maximum score of 25. The mean score increased from 22.54 to 23.62; the mean score as a percentage of the maximum possible score rose from 90.15% to 94.46%, an increase of 4.31 percentage points. Nine participants improved and four obtained unchanged scores. Participants gained practical exposure to the general stages of corn stalk utilization. These findings indicate a short-term improvement in assessed knowledge, but do not establish measurable skill gains, product quality, financial viability, or environmental benefits.
Co-Authors AFRIWAN, OKKY Agus Khazin Fauzi Ahyat, Muhamad Amrul, Rusli Armiani, Armiani Arsana, I Nengah Asdiansyuri, Ulfiani Astini, Yuli Auliya Rohmatunnisa Baiq Desthania Pratama Baiq Desthania Prathama Baiq Ertin Helmida Baiq Ertin Helmida Baiq hanita Septiani Audia Dedy Febry Rachman Dila Rahmasari ELVINA SETIAWATI Elvina Setiawati Elvina Setiawati Erviva Fariantin Fariantin, Erviva Firdaus Algadri Hengki Samudra Hengki Samudra Herawati Khotmi Hidayat, Sukma Hikmah Hikmah Hikmah Hj. Erviva Fariantin i Gede Narung I Gusti Gede Narung I Made Murjana I MADE SUARDANA I Made Suardana I Nengah Arsana I Nengah Arsana I Nengah Arsana I wayan Nuada I Wayan Nuada irianto Irianto Jibril Alwi Jahir Khaerul Hadi Kisnawati, Baiq M. Rido Sa’ban Maya Melisa Muhamad Valdi Jauhari mutia, Galuh Ratna Nizar Hamdi Nizar Hamdi Oktaviani, Yusi Faizatul Pipit Rabiatun Prathama, Baiq Desthania Putri Anjarsari Putri Reno Kemala Sari Ria Rosmalasari Sapitri Rusdi Samudra, Hengki Sapitri, Ria Rosmalasari Siti Aisyah Siti Rosdiana Sopian Saori Sukma Hidayat Kurnia A Sukma Hidayat Kurnia Abadi Suryadi , Emi Syaiful Amri Syaiful Amri Trisdian Fahmi Ulfiyani Asdiansyuri Ulfiyani Asdiansyuri Ulfiyani Asdiansyuri Umi Sukma Dewi WIDOWATI Yusi Faizathul Octavia Yusril Ramdani Zaenuddin Zaenuddin, Zaenuddin Zaulkarnaen