KREATIF: Jurnal Pengabdian Masyarakat Nusantara
Vol. 6 No. 3 (2026): Jurnal Pengabdian Masyarakat Nusantara

Implementasi QRIS dan Efisiensi Transaksi Keuangan UMKM: Studi pada UMKM di Desa Ndokum Siroga, Kabupaten Karo

Abdul Kholik Nasution (Universitas Islam Negeri Sumatera Utara Medan)
Putri Norlayli Mustakim (Universitas Islam Negeri Sumatera Utara Medan)
Siti Khairani Arfandi (Universitas Islam Negeri Sumatera Utara Medan)
Uci Fadillah (Universitas Islam Negeri Sumatera Utara Medan)
Sudirman Manday (Universitas Islam Negeri Sumatera Utara Medan)



Article Info

Publish Date
30 Sep 2026

Abstract

Digital transformation has encouraged micro, small, and medium enterprises (MSMEs) to adopt digital payment systems to support more practical and efficient financial transactions. However, the implementation of QRIS among MSMEs in rural areas still requires strengthening of digital literacy and practical skills. This community service activity aimed to improve MSME actors’ understanding and skills in implementing QRIS as a digital payment method and to support more efficient transaction management in Ndokum Siroga Village, Karo Regency. The activity used a participatory community service approach consisting of initial identification, joint planning, QRIS socialization, demonstration, direct practice, transaction assistance, and evaluation. The results showed that the participants gained a better understanding of the function and use of QRIS, including the procedures for receiving digital payments and checking incoming transactions. The activity also provided practical experience in utilizing transaction history as supporting information for recording business receipts. The implementation of QRIS can therefore support more practical payment processes while contributing to improved digital literacy and more organized transaction management among MSMEs. Continued assistance is recommended to strengthen independent QRIS use, improve digital transaction security awareness, and encourage the integration of digital payment records into simple financial management practices.

Copyrights © 2026






Journal Info

Abbrev

kreatif

Publisher

Subject

Economics, Econometrics & Finance Education Engineering Health Professions Law, Crime, Criminology & Criminal Justice

Description

Jurnal KREATIF memuat publikasi hasil kegiatan pengabdian masyarakat, model atau konsep dan atau implementasinya dalam rangka peningkatan partisipasi masyarakat dalam pembangunan, pemberdayaan masyarakat atau pelaksanaan pengabdian kepada masyarakat. KREATIF: Jurnal Pengabdian Masyarakat Nusantara, ...