Analisis penggunaan QRIS terhadap peningkatan pendapatan UMKM
Article Sidebar
Main Article Content
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.
Article Details
Jurnal Riset Pendidikan Ekonomi is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License. The copyright of the received article once accepted for publication shall be assigned to the journal as the publisher.
References
ADETIA, SEKAR NURLAELI. 2023. “ANALISIS PERBANDINGAN KEBERHASILAN UMKM DI PURBALINGGA SEBELUM DAN SETELAH MENGGUNAKAN QUICK RESPONSE INDONESIAN STANDARD (QRIS).” UNIVERSITAS ISLAM NEGERI PROF. K.H. SAIFUDDIN ZUHRI. https://repository.uinsaizu.ac.id/22379/1/Sekar Nurlaeli Adetia_Analisis Perbandingan Keberhasilan UMKM di Purbalingga Sebelum dan Setelah Menggunakan Quick Response Indonesian Standard %28QRIS%29.pdf.
Afifa, Yola, and M Yarham. 2023. “Dampak Penggunaan QRIS Pada Pelaku UMKM Di Kota Padangsidimpuan (Studi Kasus Pada Coffee Shop Kopi Koe).” Jurnal Keuangan Dan Perbankan Syariah 2 (2): 133–43. https://doi.org/10.24260/jkubs.v2i2.2089.
Alfira, Micke Theresa, and Susilo. 2023. “Analisis Faktor Yang Mempengaruhi Keputusan UMKM Menggunakan QRIS Dan Pengaruhnya Terhadap Penghasilan UMKM Di Pasar Rakyat Kota Malang.” Contemporary Studies in Echonomic, Finance and Banking 2 (40): 544–58.
Anggreani, Witanti Putri, Christian Wiradendi Wolor, and Marsofiyati. 2023. “Analisis Penerapan Sistem Pembayaran Quick Response Code Indonesian Standard (QRIS) Pada Kantin Baru Universitas Negeri Jakarta.” SANTRI : Jurnal Ekonomi Dan Keuangan Islam 1 (5): 58–71. https://doi.org/10.61132/santri.v1i5 Oktober.44.
Carera, Windy Brigita, Diah Setyorini Gunawan, and Pahrul Fauzi. 2022. “Analisis Perbedaan Omset Penjualan Umkm Sebelum Dan Sesudah Menggunakan QRIS Di Purwokerto.” Jurnal Ekonomi Dan Bisnis Akuntansi (JEBA) 24 (1): 48–57.
Erika, S, M R Wahyudi, N B Maharani, and ... 2024. “Analisis Pembayaran Dengan Menggunakan Sistem Qris Untuk Meningkatkan Kinerja UMKM Di Pekanbaru.” Jurnal Pendidikan … 7: 499–505. https://jptam.org/index.php/jptam/article/view/12420%0Ahttps://jptam.org/index.php/jptam/article/download/12420/9556.
Fahrudin, Fahrudin, and Putri Lailatul Isnaini. 2023. “Pengaruh Penggunaan Quick Response Code Indonesian Standard (QRIS) Oleh UMKM Terhadap Pendapatan Usaha.” Jurnal Manajemen Stratejik Dan Simulasi Bisnis 4 (1): 1–11. https://doi.org/10.25077/mssb.4.1.1-12.2023.
Fauziyah, Laylatul, and Maretha Ika Prajawati. 2023. “Persepsi Dan Risiko QRIS Sebagai Alat Transaksi Bagi UMKM.” Ekonomis: Journal of Economics and Business 7 (2): 1159. https://doi.org/10.33087/ekonomis.v7i2.987.
Ghana, I Gede Agus Wanda Bin, and Ni Luh Putu Indiani. 2023. “Pengaruh Social Media Marketing Dan Brand Awareness Terhadap Minat Konsumen Menggunakan Qris.” Jurnal Ekobistek 12 (4): 759–66. https://doi.org/10.35134/ekobistek.v12i4.633.
Indriyani, Shilma, and Erwin Permana Permana. 2022. “Penggunaan Media Sosial Dalam Pengembangan Pemasaran Dan Strategi Promosi Pada Usaha Menengah Di Kota Pangkalpinang.” Jurnal Ilmu Komputer Dan Bisnis 13 (2). https://doi.org/10.47927/jikb.v13i2.336.
Moleong, Lexy J. 2017. “Metodologi Penelitian Kualitatif (Edisi Revisi).” In PT. Remaja Rosda Karya.
Nahak, Maria Noviyanti. 2022. “Pengaruh Perkembangan Ekonomi Digital Terhadap.”
Permana, Erwin, and Herlan Herlan. 2022. “Strategi Pengembangan Bisnis Ukm Di Sentra Ukm Fashion Bulak Timur, Kota Depok.” Jurnal Manajemen Dan Keuangan 11 (1). https://doi.org/10.33059/jmk.v11i1.4368.
Permana, Erwin, Rukun Santoso, Murdani, and Bambang Purwoko. 2022. “Building Culinary Business Performance during the Covid-19 Pandemic: Transformational Leadership as a Trigger through Digital Capabilities.” Journal of Culinary Science and Technology. https://doi.org/10.1080/15428052.2022.2040679.
Popang, P S, Rati Pundissing, and Mince Batara. 2023. “Analisis Perbandingan Pendapan Sebelum Dan Setelah Menggunakan QRIS Di Pasar Seni To’pao, Kabupaten Toraja Utara.” Journal Economic Excellence Ibnu Sina 1 (4): 22–30. https://jurnal.stikes-ibnusina.ac.id/index.php/Excellence/article/view/463%0Ahttps://jurnal.stikes-ibnusina.ac.id/index.php/Excellence/article/download/463/439.
Rizky, Muhammad Farhan, and Erwin Permana. 2022. “Analisis Strategi Bisnis Menggunakan Digital Marketing Pada UMKM Pasca Pandemi Covid-19.” Jurnal Riset Pendidikan Ekonomi 7 (2). https://doi.org/10.21067/jrpe.v7i2.6820.
Sihaloho, Josef Evan, Atifah Ramadani, and Suci Rahmayanti. 2020. “Implementasi Sistem Pembayaran Quick Response Indonesia Standard Universitas Sumatera Utara (1)(2)(3).” Manajemen Bisnis 17 (2): 287–97. http://journal.undiknas.ac.id/index.php/magister-manajemen/.
Soto-Acosta, Pedro. 2020. “COVID-19 Pandemic: Shifting Digital Transformation to a High-Speed Gear.” Information Systems Management. https://doi.org/10.1080/10580530.2020.1814461.
Sudyantara, Smita Catur, and Amrih Yuwono. 2023. “Mengelola Penggunaan QRIS Dan QRcode Dalam Meningkatkan Kualitas Layanan Bagi UMKM.” Insight Management Journal 3 (3): 252–58. https://doi.org/10.47065/imj.v3i3.271.
Utari, Made Dwi, I Ketut Rahyuda, and I Gusti Ayu Ketut Giantari. 2017. “PENGARUH KEPRIBADIAN MEREK TERHADAP KOMITMEN DAN KEPERCAYAAN MEREK, SERTA DAMPAKNYA TERHADAP LOYALITAS MEREK.” Matrik : Jurnal Manajemen, Strategi Bisnis Dan Kewirausahaan. https://doi.org/10.24843/matrik:jmbk.2017.v11.i01.p06.