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All Journal Jurnal Ekonomi Al-Ijtima`i: International Journal of Government and Social Science Jurnal Edukasi dan Sains Biologi IDEAS: Journal on English Language Teaching and Learning, Linguistics and Literature Jurnal Pemberdayaan Masyarakat Madani (JPMM) JURNAL GALUNG TROPIKA JURNAL DINAMIKA MANAJEMEN DAN BISNIS Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal SOLMA al-Afkar, Journal For Islamic Studies Indonesian Mining Journal Communications in Science and Technology JURNAL EKONOMI PENDIDIKAN DAN KEWIRAUSAHAAN JURNAL PETIK IMPROVEMENT: Jurnal Ilmiah untuk peningkatan mutu manajemen pendidikan Sarwahita : Jurnal Pengabdian Kepada Masyarakat Journal of Aquaculture and Fish Health Jurnal Riset Pembelajaran Matematika Generation Journal Vox Populi Jurnal Life Birth Jurnal Pedagogi dan Pembelajaran Journal Informatic, Education and Management (JIEM) Jurnal Tinta: Jurnal Ilmu Keguruan dan Pendidikan Plusminus: Jurnal Pendidikan Matematika GOVERNANCE: Jurnal Ilmiah Kajian Politik Lokal dan Pembangunan Wasilatuna: Jurnal Komunikasi dan Penyiaran Islam JESBIO : Jurnal Edukasi dan Sains Biologi Jurnal Ekonomi dan Bisnis JIMEBIS AJAD : Jurnal Pengabdian kepada Masyarakat Journal Of Research and Education Chemistry (JREC) Prosiding Seminar Nasional Pengabdian Kepada Masyarakat Journal of Social And Economics Research Edu Research : Jurnal Penelitian Pendidikan Linggau Journal Science Education (LJSE) JPOL: Journal of Pedagogy and Online Learning Jurnal Pendidikan Dasar Jurnal Sosial-Politika Center of Economic Students Journal (CSEJ) Jurnal Ilmu Manajemen Dan Kewirausahaan (JIMK) Jurnal Komunikasi dan Kebudayaan Jurnal Pengabdian Bangsa Jurnal Bisnis, Manajemen, dan Keuangan Kultura: Jurnal Ilmu Sosial dan Humaniora Jurnal Ekonomi dan Bisnis JSE: Jurnal Sharia Economica Nusantara Journal of Multidisciplinary Science Jurnal Ilmiah Mahasiswa Agrokomplek Jurnal Pengabdian Masyarakat dan Riset Pendidikan JURNAL SAINS dan INOVASI PERIKANAN Jurnal Pengembangan Pembelajaran Matematika Jurnal Penelitian Progresif (JPP) Jurnal Sipakatau: Inovasi Pengabdian Masyarakat JLE: Journal of Literate of English Education Study Program Indonesian Mining Journal JEKAMI: Journal of Accounting Jurnal Payung Sekaki : Kajian Keislaman International Journal of Language, Education, and Literature (IJLEL) Mores: Jurnal Pendidikan, Moral dan Kewarganegaraan Jurnal Serambi Ilmu Jurnal Elektronik Pendidikan Matematika Tadulako RESISTOR: Jurnal Pendidikan Vokasional Teknik Parewa Saraq: Journal of Islamic Law and Fatwa Review Jurnal Inovasi Pembelajaran Sinergi : Jurnal Ilmiah Multidisiplin
Rahmi
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Journal : JIMEBIS

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Dampak Adopsi QRIS Pada UMKM Sektor Food and Beverage Di Banda Aceh Nanda, Teuku Syifa Fadrizha; Evriyenni; Rahmi
Jurnal Ilmiah Mahasiswa Ekonomi dan Bisnis Islam Vol. 4 No. 2 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jimebis.v4i2.435

Abstract

Advances in information technology have driven transformations in payment systems, and the COVID-19 pandemic serves as a catalyst for the financial services industry worldwide to accelerate shifts in payment systems toward cashless payment systems. Ironically, a preliminary study conducted among MSMEs in the food and beverage (F&B) sector in Banda Aceh indicated that utilization of QRIS is considerably low, with only 20% indicating that the intensity of customer transactions through QRIS is rated medium to high and 80% indicating low intensity. This phenomenon drove this study to investigate the impact and challenges associated with utilizing QRIS as an alternative payment system in the F&B industry in Banda Aceh. We investigated this issue employing a descriptive qualitative approach, and data was collected on MSME owners in the designated industry in Banda Aceh by performing observation, interviews, and documentation. Afterwards, the collected data were analyzed using Nvivo 12. According to the findings of this study, adopting QRIS in the payment system increases the ease of transaction, business operational efficiency, and rapid access to transaction data. However, the adoption of QRIS among MSMEs in (F&B) industry in Banda Aceh is relatively low. Some challenges in adopting QRIS have lagged interconnectivity between payment aggregators, disrupting the transaction process and delaying customer transaction payments. During hectic seasons such as weekends, national holidays, and religious holiday, the intensity of these technical obstacles frequently increases. Aside from that, public awareness and acceptance of electronic payment transactions remain low due to city dwellers’ lack of digital financial literacy.
Co-Authors A. Muh. Rifky Nugraha Abdul Aziz Abu, Nur Achmad Roesyadi Adhar Aditya Pratama Agun Sutrianto Agus Syam Agustin Nurhayati Ahmad , Finawati Ahmad Yusuf Ahmad, Muh. Ihsan Said Akhir, Muhammad Akmal Al-Muttaqii, Muhammad Alger Manaufals Ali Rahman Amalia Nabila Amir Mahmud Amirah Kamila Safitri Andi Chadijah Andi Muhammad Sadat Anggraini Anggriani Alamsyah Aprili Wulandari Ariani Rosadi Arianti, Nining arliani, Suci Arninda Anawai Arsil Aryanie, Irne Asmaul Husna Asrial Asriyanti Syarif, Asriyanti Aswarliansyah Ati Sumiati Awal Muqsith Azalia, Farah Cantika Cut Lika Mestika Sandy Cut Mazlina Ilhami Dalimunthe, Sholatia Dani, M Dedi Fazriansyah Putra Dedy Firduansyah Dermawan, M. Ariy Destria Kurnianti Dewi Susita Ditilebit, Norbertha Donny Septian Wibisono Edy Miswar Eka Erniwati Ervina Kusuma Wardani Evina Aura Exa Putri Evriyenni Fadillah, Nadya Febianti , Rika Fhadira Insani Putri Fidhyallah, Nadya Fadillah Fikhratul, Fikhratul Fitrah Widyawati Fitri Indah Yani, Fitri Indah Gandung Sugita Gita Aprilia Gunawan Gusty Mutiara Medina Haerati Hafizah Delyana, Hafizah Hajidah Arianti, Qori Hamdunah Haneul Hapisah Hari Prajitno, Danawati Haura, Tazkia Hilman Humaysah Ibal, La Ibrahim, Juliani Ika Febrilia Ika Kurniati, Neng Iko imelda arisa ISKANDAR Ismiatun Isnaniah Iswandi Ita Ilyana Ita Rodiah Jais, Ahmad Jamaluddin Jompa Kamase, Jeni Kayatun, Siti Nur Kelvint Khaeriyah, Andi Khaerunnisa Khairani, Suci Khairun Nisaa Laksmi Lenny Marlinda Lestari, Aprilia Eka Linda Destri Ayu Lucky Heriyanti Jufri, Lucky Heriyanti Luluk Fikri Mahfirah, Titis Fatarina Mahmusin, Muhammad Arash bin Malzara, Vidia Ratu Balqis Mardhatillah MARIA BINTANG Masniar Megawati Mohamad Ikbal Riski A. Danial Mohamad Rizan Mohammad Ali Wairooy Muh. Yusuf Muhammad Akhir Muhammad Al Muttaqii Muhammad Anas Muhammad Hasan Muhammad Irham Muhammad Jufri Muhammad Rusdi Muhammad Saleh Muhammad Tahir Muhammadar Murni Nanda, Teuku Syifa Fadrizha Nelly Nerlin Nopalina, Resi Nunuk Masluhiyah Nur Fadli Nur Insana Salam Nur Insana Salam Nur, Imran Syafei M. Patak, Andi Anto Perdana, Adli Waliul Permatasari , Ade Cahyani Prabumenang, Agung Kresnamurti Rivai Putri, Clara Alika Raden Ilham Rahadian Rahayu, Andi RAHMAT PERDANA Rahmati Rayandra Asyhar Restu Rezky Riki, Rd Riska RR. Ella Evrita Hestiandari Sabila Eka Septi Safitri, Mutia Safri, Hayanuddin Safruddin Sahabuddin Sakban Salman Salsabila, Rija Tasya Saparuddin Sarah Nadia Sardana S .H.,M.H, Layang Sari , Jelita Atika Sari, Rini Nurmala Sarina Sasmi, Aji Ahmadi Setyo Ferry Wibowo Sholikhah Siregar, Muhammad Edo Suryawan Siska Mellisa Sri Benti Etika Sufitrayati Sugihartati, Rahma Suherman Suhrawardi Sulfasyah Sulfiana SUSAN FEBRIANTINA, SUSAN Syafira Ahsanti Syafitri Syahputra, Muhammad Rifki Syahrial Syamsu Rijal Tarimana, Sitti Fatimah Tiara, Ayunda Trisna Ludi Toatubun, Helmi Tuti Supatminingsih Tutiliana Ursula Natalia Usep Suhud Usman Ibnu A Vip Paramarta Vitria, Andi Vivin Wahyu, Farhanah Wardhana, Arya Wijaya Pramodha Wildan Wulan Gontina yanti, vitri Yefri Joni Yudha Yunus Saputra Yusra Dewi Yustia Wulandari Mirzayanti Zahro, Khalisatuz Zakaria, Adam Zakiah, Rizka Zulfida, Edith Windy Zulfikan Zulfitri Aima