Implementasi Pembayaran Digital Sebagai Strategi Penguatan Ekonomi Umkm: Studi Kualitatif di Desa Kemang Tanduk, Kecamatan Rambang Kapak Tengah, Kota Prabumulih

Muhammad Rizky Ramadhan (Universitas Islam Negeri Raden Fatah)
Nabila Suci Rahmadhani (Universitas Islam Negeri Raden Fatah Palembang)
Harika Dwi Asmarani (Universitas Islam Negeri Raden Fatah Palembang)
Angelika Noprianti (Universitas Islam Negeri Raden Fatah Palembang)
Anastasya Aisyah F (Universitas Islam Negeri Raden Fatah Palembang)
Meldi Mas Andrean (Universitas Islam Negeri Raden Fatah Palembang)
M. Ravli Tri Arta (Universitas Islam Negeri Raden Fatah Palembang)

Jurnal Imiah Pengabdian Pada Masyarakat (JIPM)
Vol 4 No 1 (2026): Juli - September

Woven Digital transformation provides significant opportunities for Micro, Small, and Medium Enterprises (MSMEs) to enhance operational efficiency and expand market reach. This study aims to analyze the implementation of digital payment systems (such as QRIS and e-wallets) as an economic strengthening strategy for MSME actors in Kemang Tanduk Village, Rambang Kapak Tengah District, Prabumulih City. The research method utilized is descriptive qualitative with a case study approach. Data were gathered through in-depth interviews, field observations, and documentation involving 15 local MSME owners. The results indicate that the adoption of digital transactions increased financial recording efficiency by 35%, reduced cash handling risks, and attracted a younger customer base. However, challenges such as limited digital literacy, dependency on stable internet connectivity, and cybersecurity concerns remain major barriers. Therefore, intensive assistance from local government and financial institutions is necessary to optimize digital economic potential in rural/suburban areas.