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All Journal Indonesia Auditing Research Journal Communautaire: Journal of Community Service
Andini, Vingkan
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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Improving MSME Digital Literacy through the Implementation of QRIS as a Cashless Payment Solution in the Digital Economy Era Andini, Vingkan; Badri, Rahmad; Afriyanti, Yauma; Fadilah, Nurul; Siti Aisyah
Communautaire: Journal of Community Service Vol. 4 No. 3 (2025)
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/communautaire.v4i3.1336

Abstract

This study aims to analyze the implementation of the Quick Response Code Indonesian Standard (QRIS) as a non-cash payment solution and a means of enhancing digital literacy among MSMEs. The research background is based on the low level of digital understanding among rural MSME actors, limited infrastructure, and the dominance of cash transactions, despite the belief that QRIS can improve transaction efficiency and expand market access. The study employs a qualitative approach with a case study design through in-depth interviews, observations, and documentation, supported by thematic data analysis using source and method triangulation. The findings reveal that the implementation of QRIS provides tangible benefits, including increased digital knowledge and skills among MSME actors, improved transaction efficiency, and greater business development opportunities. Young consumers demonstrate high enthusiasm for digital payments, while older age groups tend to prefer cash transactions. The main challenges include limited digital literacy, uneven internet network coverage, and cultural resistance to cashless transactions. This study concludes that QRIS not only functions as a payment instrument but also as a digital transformation medium in supporting the digital economic transformation of MSMEs.
Analysis of fintech implementation strategy in sharia bank financing (case study at BSI KCP Cemara Asri) Andini, Vingkan; Daulay, Aqwa Naser; Rahmani, Nur Ahmadi Bi
Indonesia Auditing Research Journal Vol. 15 No. 1 (2026): March: Auditing, Finance, IT Plan, IT Governance, Risk
Publisher : Institute of Accounting Research and Novation (IARN)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/arj.v15i1.639

Abstract

This study aims to analyze the strategy of implementing financial technology (fintech) in Islamic bank financing at BSI KCP Cemara Asri. The study used a qualitative descriptive approach with a case study method and a SWOT analysis as a strategic analysis tool. Research data was obtained through questionnaires to 9 respondents consisting of bank employees and customers using fintech-based financing services, and supported by documentation data from official reports and related literature. The analysis results show that the IFAS matrix value is 2.40 and EFAS is 2.00, indicating that internal and external conditions are in the moderate category. The SWOT matrix mapping places BSI KCP Cemara Asri in Quadrant III, indicating the need for a turnaround strategy by strengthening internal factors to capitalize on external opportunities. The IE matrix analysis places the organization in Quadrant V with a hold and maintain strategy. The research findings indicate that the application of fintech in Islamic bank financing has great potential to improve service efficiency and expand financing access, but requires strengthening aspects of digital literacy, human resource competency, and digital system security for optimal fintech implementation.
Co-Authors Afriyanti, Yauma Aqwa Naser Daulay Badri, Rahmad Nurul Fadilah, Nurul Rahmani, Nur Ahmadi Bi Siti Aisyah