Jurnal Gema Ngabdi
Vol. 8 No. 1 (2026): JURNAL GEMA NGABDI

Pendampingan Penggunaan Dompet Digital Sebagai Solusi Efisiensi Transaksi Umkm Pedagang Warung/Kios/Toko Di Kota Mataram

Nurabiah Nurabiah (Fakultas Ekonomi dan Bisnis Universitas Mataram)
Nur Fitriyah (Fakultas Ekonomi dan Bisnis Universitas Mataram)
Herlina Pusparini (Fakultas Ekonomi dan Bisnis Universitas Mataram)
Bambang Bambang (Fakultas Ekonomi dan Bisnis Universitas Mataram)
Yusli Mariadi (Fakultas Ekonomi dan Bisnis Universitas Mataram)
Akram Akram (Fakultas Ekonomi dan Bisnis Universitas Mataram)
Yudiawan Saputra (Fakultas Ekonomi dan Bisnis Universitas Mataram)
Yusnita Divandra (Fakultas Ekonomi dan Bisnis Universitas Mataram)
Mayu Finnari (Fakultas Ekonomi dan Bisnis Universitas Mataram)



Article Info

Publish Date
30 Mar 2026

Abstract

Digital transaction adoption is increasingly essential for micro, small, and medium enterprises (MSMEs), particularly small shops and kiosks in Mataram City, which still face limitations in digital financial literacy. This community service program aims to enhance MSME owners’ understanding and practical skills in using QRIS as an efficient, secure, and transparent digital payment system. The implementation methods include partner needs assessment, pre-test, training and hands-on QRIS practice, post-test evaluation, and continuous assistance through both offline and online consultations. The program involved 10 MSME participants and employed a Likert-scale questionnaire based on three main indicators: basic QRIS knowledge, transaction usage, and payment security and transparency. The results indicate a significant improvement, with the average score increasing from 2.57 (pre-test) to 3.58 (post-test). The distribution of competency levels also shifted toward higher categories after the intervention. These findings demonstrate that structured mentoring effectively improves digital payment literacy and adoption among MSMEs. The program contributes to strengthening financial management, reducing cash transaction risks, and improving business competitiveness in the digital economy era.

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Journal Info

Abbrev

gemangabdi

Publisher

Subject

Agriculture, Biological Sciences & Forestry Humanities Education Environmental Science Social Sciences

Description

JURNAL GEMA NGABDI (JGN), Jurnal Ilmiah Pengabdian kepada Masyarakat diterbitkan tiga kali setahun pada bulan Maret, Juli, dan November oleh Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM), Universitas Mataram (Unram). Artikel yang dimuat meliputi hasil-hasil pengabdian kepada masyarakat ...