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Siti Maria
Universitas Mulawarman
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Journal : Jurnal Sipakatau: Inovasi Pengabdian Masyarakat

 1 
Encouraging the Use of Digital Payment Systems By QRIS Among Traditional Market Traders: Mendorong Penggunaan Sistem Pembayaran Digital Melalui QRIS di Kalangan Pedagang Pasar Tradisional Siti Maria; Anggi Oktawiranti; Justina Ade judiarni; Heni Rahayu Rahmawati; Hidayani
Jurnal Sipakatau: Inovasi Pengabdian Masyarakat Volume 2 Issue 2 Februari 2025: Jurnal Sipakatau
Publisher : PT. Lontara Digitech Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61220/jsipakatau.v2i2.254

Abstract

Digital transformation in the payment system is one of the important factors in improving transaction efficiency in traditional markets. Quick Response Code Indonesian Standard (QRIS) has been introduced as a digital payment solution that can be applied in various sectors, including traditional markets. However, the adoption of QRIS by market traders still faces various challenges, such as low digital literacy, limited devices, and resistance to changes in the transaction system. This study aims to analyze the level of understanding and readiness of Segiri Market traders in adopting QRIS, as well as evaluate the effectiveness of training and mentoring in increasing the adoption of this digital payment system. The methods used in this study include socialization, training, and simulation of QRIS transactions to market traders. The pre-test and post-test results showed a significant increase in merchants' understanding and readiness to use QRIS, with the willingness to adopt increasing from 40% to 90%. In addition, increased convenience in digital transactions and frequency of QRIS usage also showed a positive trend after the intervention. The conclusion of this study is that continuous education and mentoring is essential in driving QRIS adoption in traditional markets. Collaboration between the government, banks, and financial service providers is needed to ensure the sustainability of digital payment implementation in the traditional trade sector. ABSTRAK Transformasi digital dalam sistem pembayaran merupakan salah satu faktor penting dalam meningkatkan efisiensi transaksi di pasar tradisional. Quick Response Code Indonesian Standard (QRIS) telah diperkenalkan sebagai solusi pembayaran digital yang dapat diterapkan di berbagai sektor, termasuk pasar tradisional. Namun, adopsi QRIS oleh pedagang pasar masih menghadapi berbagai tantangan, seperti rendahnya literasi digital, keterbatasan perangkat, dan resistensi terhadap perubahan sistem transaksi. Penelitian ini bertujuan untuk menganalisis tingkat pemahaman dan kesiapan pedagang Pasar Segiri dalam mengadopsi QRIS, serta mengevaluasi efektivitas pelatihan dan pendampingan dalam meningkatkan adopsi sistem pembayaran digital ini. Metode yang digunakan dalam penelitian ini meliputi sosialisasi, pelatihan, dan simulasi transaksi QRIS kepada para pedagang pasar. Hasil pre-test dan post-test menunjukkan adanya peningkatan yang signifikan terhadap pemahaman dan kesiapan pedagang dalam menggunakan QRIS, dengan kemauan untuk mengadopsi meningkat dari 40% menjadi 90%. Selain itu, peningkatan kenyamanan dalam bertransaksi digital dan frekuensi penggunaan QRIS juga menunjukkan tren yang positif setelah intervensi. Kesimpulan dari penelitian ini adalah bahwa edukasi dan pendampingan yang berkelanjutan sangat penting dalam mendorong adopsi QRIS di pasar tradisional. Kolaborasi antara pemerintah, bank, dan penyedia jasa keuangan diperlukan untuk memastikan keberlanjutan implementasi pembayaran digital di sektor perdagangan tradisional.
Co-Authors A.A. Ketut Agung Cahyawan W Abi Bakri Aditya Firga Irawan Agustina Maulani Aini, Hekti Nur Al Hidayah, Rahmawati Alexander Sampeliling Alfianingrum, Alfianingrum Andina, Wida Anggi Oktawiranti Ansharullah Wisnu Wardana Apriyanto Apriyanto Apriyanto, Apriyanto Ariesta Heksarini Arif Firmansyah Arif Supendi Arifin, Rosanty Arisona Chony Ronaldy Arsilla, Urfi Aswindra, Jordy Stephano Ayu Sartika Chusnul asvica Dewi Cintya Feby Pratiwi Dio Caisar Darma Dirga Lestari DODDY Doddy Adhi Mursandi Doddy Adhimursandi Dwi Fajar Saputri Elfiana Septiya Rini Eri Nugraha Eti Sukadi, Eti Fahrianur, Deny Fathur Rahman Ferdhy Adhitya Putra Fikhofiyyi L.G, Faura Fitrianitha, Dessy Fitriansyah, Fitriansyah Halida, Baraqbah Hanifudin, Iza Hari Adi Suwondo HARI SAMPURNO Heksarini, Ariesta Heni Rahayu Rahmawati Hidayani Hilda Hilda Indriani Indriani Irsan Tricahyadinata Ismayanti Istanto Ismi Rija Nur Jaenal, Lestari Judijanto, Loso Justina Ade Judiarni Khusnul Sugiarto Kusma Maringan Lineker, Arru Gideon Loso Judijanto Maringan, Kusma Martiyanti, Dwi Miranda, Rezha Muhamad Reza Aswari Muhammad Faisal Akbar Muhammad Iqbal Muhammad Reza Raka Al Fathan Musdalifah Azis NOVI INDIANI Novita MZ Nur, Ismi Rija Nursy Resti Arsyiani Oky Yunan Setyadi Purwinahyu Purwinahyu Purwinahyu, Purwinahyu Rachmawaty, Arvita Raidatunnissa, Salma Rajib Mulyadi Rayi Dwitiya Meitasari Renaldi Aditia Isdiansyah Rezky Harini Riadi, Sukisno Selamet Ricco Yunanto Rini, Elfiana Septiya Robiansyah Robiansyah Rohana Nur Aini Ronaldy, Arisona Chony Said Saleh Fathurahman Sarifudin, Muhammad SATRIYAS ILYAS Sheila Shintya Shasha Sidae, Siti Hartina Siti Amalia Siti Bulkis Siti Masripah Sukisno S Riadi Sukisno S. Riadi Sukisno S. Riadi Sukisno Selamet Riadi Sukisno Selamet Riadi Sukma Nandha Krisnyongningtyas Sulastri, Dewi Sulistiawan, Deni Sundari, Sri Surahman Padhadiyatul Jensyah Syafani, Sani Syaharuddin Y Syarifah Hudayah Tasya, Shangrilla Tommy Pusriadi Wijayanti, Tri Cicik Wiwik Handayani Yolanda Velen Ticia Yomathan Pongtuluran Yonathan Pongtuluran Yonathan Pongtuluran Yonathan Pongtuluran Yundi Permadi Hakim Zainal Abidin Zainal Ilmi Zainal Ilmi