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All Journal Safari : Jurnal Pengabdian Masyarakat Indonesia Journal of Sharia Business Management
Wafiyah Ningrum
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Arts Humanities Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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Implementasi QRIS sebagai Inovasi Pembayaran Digital pada UMKM di Desa Serbananti Diska Najwa Andini; Finkan Nadia; Wafiyah Ningrum; Nurul Huda Prasetya
SAFARI :Jurnal Pengabdian Masyarakat Indonesia Vol. 6 No. 1 (2026): Januari: SAFARI: Jurnal Pengabdian Masyarakat Indonesia
Publisher : BADAN PENERBIT STIEPARI PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56910/safari.v6i1.3443

Abstract

This study examines the implementation of the Quick Response Code Indonesian Standard (QRIS) as a digital payment innovation for Micro, Small, and Medium Enterprises (MSMEs) in Serbananti Village, Serdang Bedagai Regency. The background of this study is the low level of digital literacy and the still high level of cash transactions, which causes MSMEs to face obstacles in efficiency and market access. The purpose of this study is to explore the QRIS adoption process, identify the challenges faced, and assess its impact on increasing transactions and customer satisfaction. This study uses a descriptive qualitative method with observation, interviews, and direct coaching techniques for MSMEs. The research findings indicate that the implementation of QRIS through the OVO application has facilitated payment transactions, increased consumer trust, and expanded the market. However, there are obstacles that arise, such as inadequate internet infrastructure, limited device availability, low digital literacy levels, and negative views regarding discount fees (MDR). These results underscore the fact that the success of QRIS implementation depends not only on technology, but also on continuous education, infrastructure support, and incentive policies that support MSMEs.
PERAN USAHA MIKRO, KECIL DAN MENENGAH (UMKM) DALAM PENGEMBANGAN EKONOMI INDONESIA Delia Torsa Purba; Wafiyah Ningrum; Aryadanu Dalimunte; Misagi Mukhti Ginting; Reni Ria Armayani Hasibuan
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

This study explores the contribution of Micro, Small, and Medium Enterprises (MSMEs) to Indonesia’s economic development by analyzing their role in GDP, employment absorption, regional business distribution, access to financing, and integration into global value chains. Employing a descriptive qualitative approach through literature review, this research utilizes national journals, government reports, and official statistical data. The findings reveal that MSMEs play a significant role in the national economy, contributing 61% to GDP and 97% to employment absorption. However, MSMEs continue to face several challenges, including limited capital, low levels of digitalization, insufficient human resource quality, and infrastructure disparities. Although MSME participation in export activities has increased, further integration into the Global Value Chain (GVC) and utilization of Global E-Commerce (GEC) are required. This study recommends capacity enhancement, digital transformation, expanded access to financing, and the development of a supportive business ecosystem to maximize the contribution of MSMEs to inclusive and sustainable national economic growth.
Co-Authors Aryadanu Dalimunte Delia Torsa Purba Diska Najwa Andini Finkan Nadia Misagi Mukhti Ginting Nurul Huda Prasetya Reni Ria Armayani Hasibuan