Implikasi Digital Payment QRIS terhadap Kinerja UMKM Wilayah Pedesaan melalui Inklusi Keuangan

Henny Henny (Universitas Sains dan Teknologi Komputer)
Sri Wahyuning (Universitas Sains dan Teknologi Komputer)
Zahra Dinul Khaq (Universitas Sains dan Teknologi Komputer)

Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi
Vol. 4 No. 6 (2026): November: MENAWAN: Jurnal Riset dan Publikasi Ilmu Ekonomi

This study aims to examine the role of financial inclusion as a mediating variable in the relationship between QRIS digital payments and MSME performance. A quantitative approach was adopted, involving 50 MSME owners in rural Central Java selected through purposive sampling. Data were collected using a 1–5 Likert scale questionnaire and analyzed using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method with SmartPLS software (version 4.1.1.8). The findings reveal two key insights. First, QRIS digital payments have a significant direct impact on MSME performance. Second, QRIS digital payments exert a positive and significant influence on MSME performance when mediated by financial inclusion. Thus, financial inclusion acts as a bridge connecting QRIS digital payments with MSME performance in rural areas. This study enriches the literature on the digital transformation of rural MSMEs, an area that remains under-researched, while offering practical implications for business owners, digital payment service providers, and policymakers in designing strategies to strengthen financial inclusion and boost the performance of rural MSMEs.