THE ROLE OF QRIS IN ENHANCING MSME PERFORMANCE THROUGH DIGITAL PAYMENT SYSTEMS IN TANGERANG CITY
Main Article Content
Abstract
The rapid shift toward digital payments underscores the urgency of enhancing financial inclusion and digital literacy to support sustainable economic growth. This study aims to assess the level of understanding, adoption, and public response to Indonesia’s QRIS in Tangerang City. Using a quantitative descriptive approach, data were collected via questionnaires from local residents. Results reveal high awareness and frequent use of QRIS through platforms like LinkAja, Gopay, Ovo, Dana, Shopeepay, and Mandiri Syariah, driven by convenience, security, cashback, and health considerations. The study contributes empirical evidence on QRIS adoption at the city level and highlights the need for intensified, multi-channel socialization—particularly via social media and community engagement. Its novelty lies in linking QRIS utilization with behavioral drivers specific to urban Indonesian contexts, offering actionable insights for policymakers to strengthen digital payment ecosystems and advance financial inclusion.
Downloads
Article Details
Section
The author submits the manuscript with the understanding that if it is accepted for publication, the copyright of the article will be granted to the Comparative Journal: Economics and Business (JCEB) and the Faculty of Economics and Business, University Of muhammadiyah Tangerang, Indonesia as the publisher of the journal.
Comparative Journal: Economics and Business (JCEB) first publication rights with works licensed simultaneously under a Creative Commons Attribution-ShareAlike 4.0 International License (CC BY-SA 4.0) which allows others to share (copy and redistribute material in the media or any format) and adapt (remix, modify, and build upon material) the work for any purpose, even commercially with acknowledgment of the work's authorship and initial publication in Comparative Journal: Economics and Business (JCEB). Authors may enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal published version of the work (for example, posting it to an institutional repository or publishing it in a book), with an acknowledgment of its initial publication in the Comparative Journal: Economics and Business (JCEB). Authors are permitted and encouraged to post their work online (for example, in an institutional repository or on their website) prior to and during the submission process, as this can lead to productive exchanges, as well as earlier and larger citations of published work (See The Effect of Open Access).
How to Cite
References
APJII. (2024). Internet Indonesia. Survei Penetrasi Internet Indonesia, 1–90.
Ariani, A., & Utomo, M. N. (2017). Kajian strategi pengembangan usaha mikro kecil dan menengah (UMKM) di kota tarakan. Jurnal Organisasi Dan Manajemen, 13(2), 99–118.
Basmantra, I. N., & Liman, N. (2022). Quick Response Code Indonesian Standard (QRIS) Educational Activities Through Socialization to Increase Knowledge and Interest in Use by the Community in Dauh Puri Kaja Village. ABDIMAS: Jurnal Pengabdian Masyarakat, 5(1), 2104–2107.
BI. (2020). Quick Response Code Indonesian Standard (QRIS).
Daengs, G. S., Istanti, E., Negoro, R. M., & Sanusi, R. (2020). The aftermath of management actions on competitive advantage through process attributes at food and beverage industries export import in Perak Harbor of Surabaya. International Journal of Criminology and Sociology, 9, 1418–1425.
Dewi, I. K., Yovita, M., & Pandin, R. (2022). Peningkatan kinerja UMKM melalui pengelolaan keuangan. Jurnal Ekonomi Akuntansi, UNTAG Surabaya, 23–36.
Fathimiyah, D. A., & Fianto, B. A. (2020). Pengaruh Variabel Makro Ekonomi Dan Dow Jones Islamic Market Index Terhadap Harga Saham Pada Indeks Saham Syariah Indonesia (Issi) Tahun 2012-2019. Jurnal Ekonomi Syariah Teori Dan Terapan, 7(11), 2183–2191. https://doi.org/10.20473/vol7iss202011pp2183-2191
Hardani, Auliya, N. H., Andriani, H., Fardani, R. A., Ustiawaty, J., Utami, E. F., Sukmana, D. J., & Istiqomah, R. R. (2020). Metode Penelitian Kualitatif dan Kuantitatif. CV. Pustaka Ilmu.
Iba, Z., & Wardhana, A. (2023). Metode Penelitian (Issue July). CV.Eureka Media Aksara.
Istanti, E. (2019). Pengaruh Harga, Promosi Dan Produk Terhadap Keputusan Pembelian Di Restoran Burger King Kawasan Surabaya Plaza Surabaya. Ekonomika’45, 7(1), 16–22.
Mantik, H. (2021). Pengembangan Quick Response Code Indonesian Standard Menggunakan Metode Customer Presented Mode (Qris-Cpm). Studi Kasus Pt Mti. JSI (Jurnal Sistem Informasi) Universitas Suryadarma, 8(2), 31–42.
Mayanti, R. (2020). Faktor-Faktor yang mempengaruhi penerimaan user terhadap penerapan Quick Response Indonesia Standard sebagai teknologi pembayaran pada dompet digital. Jurnal Ilmiah Ekonomi Bisnis, 25(2), 123–135.
Riyanto, S., & Hatmawan, A. A. (2020). Metode riset penelitian kuantitatif penelitian di bidang manajemen, teknik, pendidikan dan eksperimen. Deepublish.
Sagayarani, D. (2021). Digital Payments in India. IOSR Journal of Business and Management, 9(5), 28–33.
Sekarsari, K. A. D., Sulistyaningrum, C. D., & Subarno, A. (2021). Optimalisasi penerapan quick response code indonesia standard (qris) pada merchant di wilayah surakarta. JIKAP (Jurnal Informasi Dan Komunikasi Administrasi Perkantoran), 5(2), 42–57.
Sihaloho, J. E., Ramadani, A., & Rahmayanti, S. (2020). implementasi sistem pembayaran quick response Indonesia standard bagi perkembangan UMKM di Medan. Jurnal Manajemen Bisnis, 17(2), 287–297.
Sugiyono. (2020). Metode Penelitian Dan Pengembangan (S. Y. Sofia (ed.)). ALFABETA, cv.
Yuliati, T., & Handayani, T. (2021). Pendampingan penggunaan aplikasi digital qris sebagai alat pembayaran pada umkm. Communnity Development Journal, 2(3), 811–816.