Persepsi Pengguna QRIS Pada UMKM Di Kota Mataram

Abstract

This study discusses the role and perspection of QRIS in transactions at MSMEs in Mataram City. Qris is a new innovation which launched by Bank Indonesia on 74th Independence Day. QRIS as a standardization of non-cash payments based on QR Code as a unifier of non cash payments. This study use a descriptive qualitative approach. Locus of this research is located at MSMEs assisted in Mataram City. The data were obtained using an interview and documentation approach with non-participatory observation. This study found that QRIS be a supportive payment tools of transactions in MSMEs but many people do not understand about QRIS. The solution that can be used so that many people know about QRIS is by socializing it to the community and leading MSMEs to use QRIS. QRIS can help MSMEs move forward in line with progress in the current digital era, QRIS has many important roles and many benefits for MSMEs, judging by the development and progress of the current digital era, it makes it easier for consumers and sellers to buying and selling transactions.

Determinants of performance improvement of Micro, Small, and Medium Enterprises (MSME) in the border market of North Timor Central District – Timor Leste

“…The community is prepared through formal education to face the demands of an ever-more modern era. Meanwhile, for short-term purposes, MSMEs are trained in various marketing methods using the marketplace platform provided (Aryawati et al, 2022). Furthermore, with their authority, telecommunications companies can make border areas a priority area for expanding telecommunications networks to support various community economic activities.…”

Efektivitas Penggunaan QRIS Sebagai Alat Transaksi Digital Di Kota Bima

“…Fintech dapat memudahkan individu untuk melakukan penukaran, cicilan lanjutan tanpa perlu melakukan cicilan secara uang (e-cash). Uang tunai elektronik (e-cash) dapat dimanfaatkan melalui berbagai instrumen cicilan yang saat ini sedang berkembang, antara lain melakukan penukaran kartu ATM, kartu cek, Mastercard, dan instrumen cicilan lainnya, (Arner et al, 2017) Peraturan Bank Indonesia Nomor 11/12/PBI/2009 dan Nomor 16/8/PBI/ 2014 sebagai salah satu pendukung agenda Bank Indonesia untuk menciptakan masyarakat mengurangi penggunaan uang tunai (less cash society) di Republik Indonesia ini menjadi awal munculnya uang elektronik sebagai jawaban kebutuhan terhadap instrumen pembayaran yang secara cepat, mudah dan diakses dimanapun dan dapat ditemaptkan pada media tertentu yang mampu diakses dengan cepat secara offline, aman dan murah, (Aryawati et al, 2022) Kota Bima merupakan salah satu kota yang ada di Nusa Tenggara Barat yang memiliki perkembangan pesat seiring berkembangnya zaman. Salah satu bisnis yang berkembang pesat yaitu bisnis kuliner baik minuman dan makanan siap saji.…”

Generation Z's Decision to Use QRIS in Mataram City: UTAUT Model

“…However, the adoption of QRIS by consumers still has obstacles in the transaction process due to the limited infrastructure available (Rafferty & Fajar, 2022) and lack of understanding in using QRIS (Aryawati et al, 2022). On the other hand, the perception of the adoption of QRIS use by merchants has concerns because there is an assumption that the QRIS security system is not strong enough so they are worried that accounts and transactions can cause problems (Nurhapsari & Sholihah, 2022).…”