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All Journal Jurnal Riset Pendidikan Ekonomi E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis JURNAL PEMASARAN KOMPETITIF SULUH: Jurnal Abdimas Review of Islamic Economics and Finance Indonesian Journal of Islamic Business and Economics (IJIBE) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Manajemen dan Bisnis Co-Creation : Jurnal Ilmiah Ekonomi Manajemen Akuntansi dan Bisnis
Permana, Erwin
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Library & Information Science Social Sciences Other

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Journal : Jurnal Riset Pendidikan Ekonomi

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Analisis penggunaan QRIS terhadap peningkatan pendapatan UMKM Alifia, Nadhifa; Permana, Erwin; Harnovinsah, Harnovinsah
Jurnal Riset Pendidikan Ekonomi Vol. 9 No. 1 (2024): APRIL
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Kanjuruhan Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21067/jrpe.v9i1.9940

Abstract

Along with the rapid growth of digital media, various forms of digital transactions are also developing. One digital transaction tool that has grown significantly is the Quick Response Code Indonesian Standard (QRIS). The increase in the number of QRIS merchants and QRIS users correlates with the increase in the volume and nominal transactions processed by each merchant every year, including MSMEs. This research aims to conduct an analysis of the use of QRIS to increase MSME income. The research method was carried out using a descriptive qualitative approach. Research data comes from search results from various trusted sources, including official websites, academic literature, theses and national scientific journals that are relevant to the research topic. After thorough analysis and discussion regarding the impact of QRIS on increasing MSME income, it can be concluded that the growth in the number of QRIS users as well as the volume and nominal transactions per merchant is directly proportional to the increase in MSME income. This trend does not only occur in the Greater Jakarta area and Java Island, but occurs nationally throughout Indonesia. The increase in income from QRIS cannot be separated from the convenience offered to MSMEs who no longer need to make large investments in creating QR codes for various payment platforms. With QRIS, they can accept payments from various banks and digital payment providers. Apart from that, the increase in revenue was also due to QRIS' ability to serve customers of all age groups, because the younger generation tends to prefer digital payment methods over cash transactions.
Co-Authors Achsanul Qosasi Ahyani , Syafira Akmalia, Putri Alfinda, Permata Diva Alifia, Nadhifa Ananda , Diva Armiani, Fandrisly Badzlin, Fricilla Eka Putri, Rizqi Septiani Hanum, Cholida Harnovinsah Harnovinsah Inomjon, Qudratov Juliana Juliana Khayyira, Adzra Kirana, Wanda Puspita Mardhiyah, Muna Muhammad Abduh Nasim, Arim Rama Mahardika Ramadhan, Riva Ramadhanti , Diah Rosida, Rida Rukun Santoso SRI WIDYASTUTI Syiva, Asyhari Nadzilla Thalib, Supriadi W. Mahri, A. Jajang Wulandjani, Harimurti Zulfikar, Rakhmat Muhammad