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All Journal Jurnal Riset Pendidikan Ekonomi E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis
Alifia, Nadhifa
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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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.
Analisis Penggunaan Qris Terhadap Peningkatan Pendapatan UMKM Alifia, Nadhifa; Permana, Erwin; Harnovinsah, Harnovinsah
E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Vol 25, No 1 (2024): April
Publisher : Faculty of Economics and Business, Universitas Malikussaleh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/e-mabis.v25i1.1273

Abstract

Penelitian ini bertujuan untuk melakukan Analisis Penggunaan QRIS Terhadap Peningkatan Pendapatan UMKM. Metode penelitian dilakukan dengan pendekatan kualitatif deskriptif. Data penelitian bersumber dari hasil penelusuran dari berbagai sumber terpercaya antara lain website resmi, literatur akademis, tesis, dan jurnal ilmiah nasional yang relevan dengan topik penelitian. Setelah dilakukan analisa dan pembahasan secara menyeluruh mengenai dampak QRIS terhadap peningkatan pendapatan UMKM, dapat disimpulkan bahwa pertumbuhan jumlah pengguna QRIS serta volume dan nominal transaksi per merchant berbanding lurus dengan peningkatan pendapatan UMKM. Tren ini tidak hanya terjadi di wilayah Jabodetabek dan Pulau Jawa saja, melainkan terjadi secara nasional di seluruh Indonesia. Peningkatan pendapatan dari QRIS tidak lepas dari kemudahan yang ditawarkan kepada UMKM yang tidak perlu lagi melakukan investasi besar dalam pembuatan kode QR untuk berbagai platform pembayaran. Dengan QRIS, mereka dapat menerima pembayaran dari berbagai bank dan penyedia pembayaran digital. Selain itu, peningkatan pendapatan juga disebabkan oleh kemampuan QRIS dalam melayani pelanggan dari semua kelompok umur, karena generasi muda cenderung lebih menyukai metode pembayaran digital dibandingkan transaksi tunai.
Co-Authors Harnovinsah Harnovinsah Permana, Erwin