Indonesian Collaboration Journal of Community Services (ICJCS)
Vol. 6 No. 2 (2026): Indonesian Collaboration Journal of Community Services

PENINGKATAN LITERASI DAN ADOPSI KEUANGAN DIGITAL BERBASIS QRIS MELALUI ANALISIS PELUANG DAN TANTANGAN PADA UMKM KERUPUK MARTABAK DESA KASEMEN KOTA SERANG

Suci Mutiara Sani (Universitas Pamulang)
Risma Ridianti (Universitas Pamulang)
Siti Hukmiatunnisa (Universitas Pamulang)
Ruth Melani Putri Pesta (Universitas Pamulang)
Yane Rohayatunnisa (Universitas Pamulang)
Mila Nurmila (Universitas Pamulang)



Article Info

Publish Date
30 May 2026

Abstract

The low level of digital financial literacy among owners of the Kerupuk Martabak business in Kampung Bobojong, Serang City, most of whom have not adopted non-cash transactions despite owning smartphones, served as the starting point for this community service activity. The activity aimed to improve insight, explore opportunities, and map the challenges of QRIS adoption from the perspective of MSME financial management. The implementation method used a learning by doing approach through the stages of preparation, education, demonstration, and simulation, with a descriptive evaluation involving 18 participants consisting of business owners and local residents interested in starting their own businesses. The results showed an improvement in the partners' digital financial literacy in three aspects: the use of QRIS to monitor cash flow, awareness of separating business finances, and mitigation of digital transaction security risks such as fake QRIS schemes. This activity also identified three main challenges in the field, namely technical, cognitive, and regulatory constraints. The limitation of this activity lies in the evaluation which remained descriptive without pre-test and post-test. Nevertheless, the training succeeded in fostering the partners' initial awareness while also producing a recommendation on the need to integrate financial literacy programs with capital assistance through KUR, business legality (halal certification and BPOM), and comprehensive digital marketing.

Copyrights © 2026






Journal Info

Abbrev

home

Publisher

Subject

Humanities Environmental Science Social Sciences Other

Description

Indonesian Collaboration Journal of Community Services (ICJCS) is a peer-refereed open-access international journal which has been established for the dissemination of Community Services. Starting from 2021, ICJCS would be published Four times in a year. All submitted manuscripts will be initially ...