Tanmiyah Impact: Islamic Economics & Business Service Journal
Vol. 1 No. 2 (2025): Juni 2025

Sosialisasi Implementasi Sistem Pembayaran Digital QRIS untuk Meningkatkan UMKM di Jorong Balai Badak

Azian Erdawati (Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi)
Intan Sari (Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi)



Article Info

Publish Date
28 Dec 2025

Abstract

Penelitian ini bertujuan untuk menganalisis proses sosialisasi dan implementasi QRIS (Quick Response Code Indonesian Standard) bagi pelaku usaha di Jorong Balai Badak, Nagari Batu Kambing. QRIS merupakan sistem pembayaran digital berbasis kode QR yang dikembangkan untuk mendukung inklusi keuangan dan efisiensi transaksi. Metode yang digunakan adalah deskriptif kualitatif dengan teknik pengumpulan data melalui observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa sosialisasi QRIS meningkatkan pemahaman dan minat sebagian pelaku usaha, terutama usaha muda. Namun, tantangan seperti literasi digital rendah, keterbatasan perangkat, dan kualitas jaringan internet masih menjadi hambatan. Implementasi QRIS memberikan dampak positif berupa kemudahan transaksi, pencatatan keuangan otomatis, dan perluasan akses pasar. Dukungan lanjutan, pelatihan berkelanjutan, dan infrastruktur diperlukan agar implementasi QRIS dapat merata dan berkelanjutan di masyarakat pedesaan, khususnya dalam konteks nagari. This study aims to analyze the socialization and implementation process of QRIS (Quick Response Code Indonesian Standard) for business actors in Jorong Balai Badak, Nagari Batu Kambing. QRIS is a QR code-based digital payment system developed to support financial inclusion and transaction efficiency. The study used a qualitative descriptive method, with data collected through observation, interviews, and documentation. The results indicate that QRIS socialization increased understanding and interest among business actors, especially young entrepreneurs. However, challenges such as low digital literacy, limited devices, and internet quality remain. QRIS implementation has positive impacts, including ease of transactions, automatic financial records, and expanded market access. Continuous support, training, and infrastructure are needed to ensure equitable and sustainable QRIS adoption in rural communities, particularly within the nagari context

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Journal Info

Abbrev

tanmiyahimpact

Publisher

Subject

Description

The journal focuses on applied service and impact in: Islamic Economics & Finance: zakat, waqf, infaq, financial inclusion, microfinance (BMT), and integration of Islamic social finance. Islamic Business & Entrepreneurship: halal industry development, MSME incubation, sharia marketing, and ...