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Journal : JIMEBIS

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 Adhi Kurniawan Aditya Pratama Agun Sutrianto Agus Syam Agustin Nurhayati Agustina Nurhayati Ahmad , Finawati Ahmad Humaidi Ahmad Yusuf Ahmad, Muh. Ihsan Said Akbardiansyah, Akbardiansyah Akhir, Muhammad Akmal Al-Muttaqii, Muhammad Alfianor Alger Manaufals Ali Rahman Amalia Nabila Amin Tunda Amir Mahmud Amirah Kamila Safitri Andi Chadijah Andi Muhammad Sadat Anggraini Anggriani Alamsyah Aprili Wulandari Arga Arianti, Nining arliani, Suci Arninda Anawai Arsil Aryanie, Irne Asmaul Husna Asrial Asriyanti Syarif, Asriyanti Aswarliansyah Ati Sumiati Aulria, Siti Nurhaliza Mutia 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 Desvita Lestari Dewi Susita Ditilebit, Norbertha Donny Septian Wibisono Dwinhoven, Ifhan 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 Hudain, Muh. Adnan Humaysah Ibrahim, Juliani Ika Febrilia Ika Kurniati, Neng Ikhsanul Khairi Iko imelda arisa Insani, Sri Ayu ISKANDAR Ismiatun Isnaniah Iswandi Ita Ilyana Ita Rodiah Jais, Ahmad Jamaluddin Jompa Jen Surya Kamase, Jeni Kayatun, Siti Nur Kelvint Khadafi, Muhammad Reza Khaeriyah, Andi Khaerunnisa Khairani, Suci Khairun Nisaa La Ibal Laila Nur Fitriah Laksmi Lenny Marlinda Lestari, Aprilia Eka Lia Anggresani Linda Destri Ayu Lucky Heriyanti Jufri, Lucky Heriyanti Luluk Fikri M Yusuf Mahdi Mahfirah, Titis Fatarina Mahmusin, Muhammad Arash bin Malzara, Vidia Ratu Balqis Manullang, Benny Mappaompo, M. Adam Mardhatillah MARIA BINTANG Masniar Megawati Mohamad Ikbal Riski Danial Mohamad Rizan Mohammad Ali Wairooy Mubarak Z, Sultan Muh. Yusuf Muhammad Akhir Muhammad Al Muttaqii Muhammad Anas Muhammad Hasan Muhammad Irham Muhammad Jufri Muhammad Rusdi Muhammad Saleh Muhammad Tahir Muhammadar MULYADI Mupi Anisah murni murni Mustain Mutiara Nofa Nst, Mutiara Nofa Nabila Ukhty Nanda, Teuku Syifa Fadrizha Nelly Nerlin Nopalina, Resi Nunuk Masluhiyah Nur Fadli Nur Insana Salam Nur Insana Salam Nur, Imran Syafei M. Nurhadi, Alfian Nurul Alamia Nurul Pratiwi Pane, Xena Maharani 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 Relatami, Andi N Renita Rerung, Charmila Tandi Restina Bemis, Restina Restu Rezky Riki, Rd Riska ROCHMAH, AINUR Rosadi, Ariani Rozi, Anhar 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 Setio Devi, Katrin Setyo Ferry Wibowo Sholikhah Siregar, Muhammad Edo Suryawan Siska Mellisa Sitti Maryam Hamid Sri Benti Etika Sri Wahyuni Firman Sudirman, Andi Sudirman, Andi Aridhasari Sufitrayati Sufritayati Sugihartati, Rahma Suherman Suhrawardi Sulfasyah Sulfiana SUSAN FEBRIANTINA, SUSAN Sutoyo Suwardi Syafira Ahsanti Syafitri Syahputra, Muhammad Rifki Syahrial Syaifudin Suhri Kasim Syamsu Rijal Syamsurya, Fajar Syarifah Zuraidah Tarimana, Sitti Fatimah Tassaka, Asmi Citra Malina A.R. Tiara, Ayunda Trisna Ludi Toatubun, Helmi Tuti Supatminingsih Tutiliana Ursula Natalia Usep Suhud Usman Ibnu A Uswatun Hasanah Vip Paramarta Vitria, Andi Vivin Wahyu, Farhanah Wardhana, Arya Wijaya Pramodha Wibimanyu, Putu Adityo Wildan Wiratama, Jarot Wulan Gontina Yana, Syaifuddin yanti, vitri Yefri Joni Yudha Yunus Saputra Yusra Dewi Yustia Wulandari Mirzayanti Zahar, Wahyudi Zahro, Khalisatuz Zakaria, Adam Zakiah, Rizka Zubaidillah, Muh. Haris Zulfida, Edith Windy Zulfikan Zulfitri Aima