Implementation of QRIS-Based Payments Towards the Digitalization of Indonesian MSMEs

Authors

DOI:

https://doi.org/10.30983/es.v5i2.5027

Keywords:

MSMEs, Digitalization, QRIS.

Abstract

This study aims to determine the implementation of QRIS as measured by the existence and urgency as a payment digitalization medium to support the Digitalization of MSMEs in the context of Indonesia's economic recovery. This research is a literature study that was analyzed using a qualitative-descriptive approach with secondary data sources originating from journals and reports related to the Digitalization of MSMEs. The results and discussion of this research, that the QRIS launched by Bank Indonesia can help MSME actors adapt to existing conditions. QRIS as a MSME survival strategy is carried with the theme EXCELLENCE (UNiversal, Easy, Profit and Direct). The theme was taken because the use of QRIS is easy and practical, namely by scanning the QR code that has been provided by the merchant. QRIS has been officially launched and supervised under Bank Indonesia. The easy use of QRIS provides benefits for both merchants and buyers, especially for users of non-cash payment applications. For merchants, QRIS is useful in terms of increasing sales, practicality, branding, saving, avoiding counterfeit money, segregating business funds, and credit profiles. QRIS are flexible, safe and practical so that QRIS can become the driving force in the acceleration of digitalization for economic recovery. Penelitian bertujuan untuk mengetahui implementasi dari QRIS yang diukur dari eksistensi serta urgensi sebagai media digitalisasi pembayaran guna mendukung digitalisasi UMKM dalam rangka pemulihan perekonomian Indonesia. Penelitian ini merupakan penelitian studi pustaka yang dianalisis dengan menggunakan pendekatan kualitatif-deskriptif dalam menjelaskan fenomena terkait implementasi QRIS pada UMKM. Sumber data yang digunakan adalah sumber data sekunder yang berasal dari jurnal maupun laporan terkait dengan digitalisasi UMKM. Hasil dan pembahasan dari penelitian ini, bahwa QRIS yang diluncurkan oleh Bank Indonesia dapat membantu adaptasi pelaku UMKM terkait kondisi yang ada. QRIS sebagai strategi bertahan UMKM ini diusung dengan tema UNGGUL (UNiversal, GampanG, Untung dan Langsung). Tema tersebut diambil karena penggunaan QRIS yang mudah dan praktis, yaitu dengan melakukan scan pada QR code yang sudah disediakan oleh merchant. QRIS telah resmi diluncurkan dan diawasi dibawah Bank Indonesia. Penggunaan QRIS yang mudah memberikan manfaat baik bagi merchant maupun kepada pembeli terutama bagi pengguna aplikasi pembayaran non tunai. Bagi merchant, QRIS bermanfaat dalam segi, peningkatan penjuala, praktis, branding, hemat, penghindaran uang palsu, pemisahan dana usaha, dan credit profile. Bagi pengguna, manfaat QRIS berupa, fleksibel, aman dan praktis. Dalam hal ini, maka dapat dikatakan QRIS sebagai pendorong percepatan digitalisasi guna pemulihan ekonomi. 

Author Biography

Arum Candra Sari, IAIN Pekalongan

Fakultas Ekonomi dan Bisnis Islam

References

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Published

2022-01-12

How to Cite

Sari, A. C., & Adinugraha, H. H. (2022). Implementation of QRIS-Based Payments Towards the Digitalization of Indonesian MSMEs. EKONOMIKA SYARIAH : Journal of Economic Studies, 5(2), 124–139. https://doi.org/10.30983/es.v5i2.5027

Issue

Vol. 5 No. 2 (2021): July - December 2021

Section

Articles

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