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All Journal VALUE: Jurnal Ilmiah Akuntansi, Keuangan dan Bisnis TOFEDU: The Future of Education Journal
Izzati, Nadhila
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Other

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The Analysis of QRIS Usage in Micro, Small, and Medium Enterprises (MSMEs) in Medan City to Encourage Digital Economy Development Rangkuti, Lusi Elviani; Hidayatullah, Wahyu; Izzati, Nadhila; Lesmana, Yovie Apryadi
The Future of Education Journal Vol 3 No 5 (2024): December
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah Yayasan Pendidikan Tumpuan Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61445/tofedu.v3i5.214

Abstract

The aim of this research is to analyze the use of QRIS in MSMEs in Medan City so that they can encourage and advance MSMEs, so that they can encourage digital development. This research was conducted using descriptive qualitative, namely data that is not expressed in numerical form. Rather, the data is expressed in the form of words and sentences.  With the existence of QRIS for MSMEs, digital payments can increase transaction efficiency and reduce operational costs for MSMEs. MSMEs in Medan City often lose money, which can threaten the sustainability of their business. The implementation of QRIS in Medan City has reached approximately 58.6% of users. Of the large number of users, there are still some business activities, especially MSMEs, that have not utilized the use of QRIS which can help accelerate the use and development of the digital economy. It can be concluded that the use of QRIS for MSMEs in Medan City can be an effective strategy in encouraging digital economic growth at the local level.
Pengaruh Implementasi Aplikasi Keuangan Berbasis Digital Terhadap Optimalisasi Kinerja UMKM Di Kecamatan Medan Johor Izzati, Nadhila; Kurnia Ningsih, Heny Tri Astuti; Khairani Lubis, Farida
VALUE Vol 6 No 1 (2025): Edisi April 2025 - September 2025
Publisher : PRODI AKUNTANSI FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS TJUT NYAK DHIEN (UTND)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36490/value.v6i1.1765

Abstract

This study aims to investigate the impact of digital financial application usage on the performance of micro, small, and medium enterprises (MSMEs) in the Medan Johor District. A quantitative research design was adopted, utilizing a survey as the primary data collection method. Data were gathered using purposive sampling by distributing questionnaires to MSME operators who utilize the "Buku Warung" app. Findings from simple linear regression analysis reveal that employing digital financial tools significantly enhances MSME performance. This improvement is reflected in more organized, precise, and efficient financial management, enabling MSME operators to better track transactions, oversee cash flow, and make informed business decisions. Nonetheless, the study identified challenges such as limited technological literacy among MSME operators and inadequate internet access, which may impede optimal application use. Furthermore, entrenched habits and insufficient training contribute to some business owners' reluctance to transition from traditional methods. Consequently, efforts to boost digital literacy, increase awareness, and strengthen governmental infrastructure support are essential to promote wider adoption of digital financial technologies. The research is expected to contribute to the sustainable and effective development of MSMEs through the strategic use of digital technology.
Co-Authors Hidayatullah, Wahyu Khairani Lubis, Farida Kurnia Ningsih, Heny Tri Astuti Lesmana, Yovie Apryadi Rangkuti, Lusi Elviani