Journal of Social Comunity Services
Vol. 3 No. 1 (2026): Journal of Social Community Service (JSCS)

TRANSFORMING MSMES TO A DIGITAL ECONOMY: BANK MANDIRI'S ROLE THROUGH QRIS AS A FINANCIAL INCLUSION INSTRUMENT IN KETIMANG VILLAGE

Paduppai, Andi Mardiana (Unknown)
Ningrum, Titin Sekarjati (Unknown)
Ramadhani, Nur Rochma (Unknown)
Kurniawa, Danang Dwi (Unknown)



Article Info

Publish Date
25 Sep 2025

Abstract

Objective:  This study examines the contribution of QRIS to the digital transformation of MSMEs in Ketimang Village through collaboration with Bank Mandiri and the support of the KKN program. Method: A descriptive qualitative method was employed using observation, interviews, documentation, and questionnaires. Results: The findings indicate that QRIS positively impacts transaction efficiency (4.55), financial transparency (4.46), and digital market expansion (4.34). Bank Mandiri plays a vital role in strengthening MSME competitiveness (4.48), while the KKN program effectively enhances digital literacy and provides technical assistance (4.51). Product innovation is also considered important, with a score of 4.45. Challenges remain in terms of limited capital (4.07) and insufficient digital literacy (4.45). The highest-rated aspect is stakeholder synergy (4.70), highlighting that multiparty collaboration is fundamental for establishing an inclusive and sustainable MSME ecosystem. Novelty: The digital transformation of MSMEs through QRIS can be optimized through continuous improvements in digital literacy, better access to financing, and sustained collaborative support among stakeholders.

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Journal Info

Abbrev

jscs

Publisher

Subject

Humanities

Description

Journal of Social Community Service (JSCS): Journal of Community Service is published three times a year, in January, April and November, by Antis Publisher. JSCS publishes articles on community service. The editors gladly accept article contributions from all ...