DIGITAL TRANSFORMATION OF SMEs IN KEDIRI: THE IMPACT OF QRIS ADOPTION
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Sep 26, 2024
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Abstract
This research aims to analyze the implementation of QRIS as an electronic payment method for MSMEs in Kediri City to encourage economic growth in the era of digitalization. Using face-to-face interviews with randomly selected respondents, this research involved 6 respondents who were divided equally into two groups, namely 3 business stakeholders who had implemented QRIS and 3 stakeholders who were business actors who had not implemented QRIS. The research results show that QRIS brings several significant benefits for MSMEs, including increased income, customer satisfaction, transaction security, and better financial management. However, the spread of QRIS in Kediri has not been evenly distributed due to a lack of understanding, dependence on traditional payment methods, doubts about how QRIS works, and security issues. This research also shows that social influences from family and environment play an important role in customers' interest in implementing QRIS. Therefore, the government's role is very important in providing adequate education and awareness as well as improving technological infrastructure to support wider QRIS adoption. With the right strategy, QRIS can be an effective tool to encourage the development of the MSME economy in Kediri City in the era of digitalization
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SAPUTRO, Rico Edi; RETNASIH, Nora Ria.
DIGITAL TRANSFORMATION OF SMEs IN KEDIRI: THE IMPACT OF QRIS ADOPTION.
Proceedings of the International Conference of Islamic Economics and Business (ICONIES), [S.l.], v. 10, n. 1, p. 699-710, sep. 2024.
ISSN 2541-3333.
Available at: <http://conferences.uin-malang.ac.id/index.php/iconies/article/view/2856>. Date accessed: 23 dec. 2024.
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This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
References
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Gao, J., Siddik, A. B., Khawar Abbas, S., Hamayun, M., Masukujjaman, M., & Alam, S. S. (2023). Impact of E-Commerce and Digital Marketing Adoption on the Financial and Sustainability Performance of MSMEs during the COVID-19 Pandemic: An Empirical Study. Sustainability (Switzerland), 15(2). https://doi.org/10.3390/su15021594
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Musyaffi, A. M., Johari, R. J., Rosnidah, I., Sari, D. A. P., Amal, M. I., Tasyrifania, I., Pertiwia, S. A., & Sutanti, F. D. (2021). Digital Payment during Pandemic: An Extension of the Unified Model of QR Code. Academic Journal of Interdisciplinary Studies, 10(6), 213–223. https://doi.org/10.36941/ajis-2021-0166
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Najib, M., & Fahma, F. (2020). Investigating the adoption of digital payment system through an extended technology acceptance model: An insight from the Indonesian small and medium enterprises. International Journal on Advanced Science, Engineering and Information Technology, 10(4), 1702–1708. https://doi.org/10.18517/ijaseit.10.4.11616
Nugrahini, D. E., & Hijri Alfian, A. (2023). Persepsi Penggunaan E-Payment Di Era Cashless Society: Peran Nilai Online Shopping, Manfaat E-Payment Dan Kepatuhan Syariah (Sharia Compliance). Jmm Unram - Master of Management Journal, 12(1), 88–99. https://doi.org/10.29303/jmm.v12i1.764
Rafferty, N. E., & Fajar, A. N. (2022). Integrated QR Payment System (QRIS): Cashless Payment Solution in Developing Country from Merchant Perspective. Asia Pacific Journal of Information Systems, 32(3), 630–655. https://doi.org/10.14329/APJIS.2022.32.3.630
Rahadi, R. A., Nainggolan, Y. A., Afgani, K. F., Yusliza, M. Y., Faezah, J. N., Ramayah, T., Saputra, J., Muhammad, Z., Farooq, K., & Angelina, C. (2022). Towards a cashless society: Use of electronic payment devices among generation z. International Journal of Data and Network Science, 6(1), 137–146. https://doi.org/10.5267/J.IJDNS.2021.9.014
Rahayu, R. (2022). Factors That Influence the Behavioural Intention to Use E-Payments in Indonesia. Ekonomis: Journal of Economics and Business, 6(1), 116. https://doi.org/10.33087/ekonomis.v6i1.504
Rahmayati, Mujiatun, S., Nasution, Y. S. J., Muhklis, & Ismal, R. (2023). Preferences and Perceptions of MSME Entrepreneurs Towards Islamic Banking QRIS Products and Services in the City of Medan Post COVID 19 era. International Journal of Professional Business Review, 8(5), e01099. https://doi.org/10.26668/businessreview/2023.v8i5.1099
Saputri, N. A. (2021). Readiness of SMEs on Digital Payment for Business Sustainbility. Ekonomi, Keuangan, Investasi Dan Syariah (EKUITAS), 3(2), 140–144. https://doi.org/10.47065/ekuitas.v3i2.1079
Sari, A. C., & Adinugraha, H. H. (2021). Implementation of QRIS-Based Payments Towards the Digitalization of Indonesian MSMEs Arum Candra Sari Hendri Hermawan Adinugraha Abstrak Background The Covid-19 pandemic that occurred in 2019 has become the biggest challenge for every country in the world. EKONOMIKA SYARIAH: Journal of Economic Studies, 5(2).
Sarif, R., Susanto, R. M., Retnasih, N. R., & Segaf, S. (2023). Revolutionizing Resilience: MSMEs’ Journey with Digital Strategies in Post-Pandemic Recovery. JMK (Jurnal Manajemen Dan Kewirausahaan), 8(3), 203. https://doi.org/10.32503/jmk.v8i3.4145
Sholikhah, T. H., & Soesilo, N. I. (2023). QRIS’ Impacts on Turnover Based on Business Scale and Sectoral Study on MSME. Indonesian Journal of Multidisciplinary Science, 2(11), 4032–4042. https://doi.org/10.55324/ijoms.v2i11.613
Strategy, S., Size, S., Method, I., & Analysis, D. (2021). Justification for Adopting Qualitative Research Method, Research Approaches, Sampling Strategy, Sample Size, Interview Method, Saturation, and Data Analysis. Journal of International Business and Management, 5(1), 1–11. https://doi.org/10.37227/jibm-2021-09-1494
Tenggino, D., & Mauritsius, T. (2022). Evaluation of Factors Affecting Intention To Use Qris Payment Transaction. ICIC Express Letters, 16(4), 343–349. https://doi.org/10.24507/icicel.16.04.343
Wahyudin, N., Herlissha, N., Rizki Aldiesi, D., & Rizki Aldiesi is, D. (2022). The Utilization of E-Commerce and QRIS as Digital Payment Tools to Improve Sales Performance through Competitive Advantage in MSME PUBLIC INTEREST STATEMENT. Journal of Consumer Sciences, 7(2), 135–148.
Wayan Arta Setiawan, & Luh Putu Mahyuni. (2020). Qris Di Mata Umkm Eksplorasi Persepsi Dan Intensi Umkm Menggunakan Qris. E-Jurnal Ekonomi Dan Bisnis Universitas Udayana, 9(10), 921–946.
Yan, L. Y., Tan, G. W. H., Loh, X. M., Hew, J. J., & Ooi, K. B. (2021). QR code and mobile payment: The disruptive forces in retail. Journal of Retailing and Consumer Services, 58(May 2020), 102300. https://doi.org/10.1016/j.jretconser.2020.102300
Yustisiana, R., Andhyka, B., & Widayadi, W. (2023). The Role of Financial Literacy among MSMEs in the Revitalization of MSMEs in Indonesia. International Journal of Business and Technology Management, 5(4), 182–189. https://doi.org/10.55057/ijbtm.2023.5.4.17
Alshenqeeti, H. (2014). Interviewing as a Data Collection Method: A Critical Review. English Linguistics Research, 3(1), 39–45. https://doi.org/10.5430/elr.v3n1p39
Auliya Akhyar, R., & Sisilia, K. (2023). The Influence Of Perceptions Of Usefulness And Perceptions Of Convenience On The Decision To Use Digital Quick Response Code Payment Indonesian Standard (QRIS). Management Studies and Entrepreneurship Journal, 4(4), 3944–3953. http://journal.yrpipku.com/index.php/msej
Bakhitah, A., Indra, R., Halim, W., Ferbian, V., & Hidayat, Z. (2023). QRIS as a Drivers of Product Distribution Flows in Indonesia: Factors of Consumer Purchasing Behavior in the Use of Fintech Payments. Journal of Distribution Science, 21(12), 59–69. https://doi.org/10.15722/jds.21.12.202312.59
Butarbutar, N., Lie, D., Bagenda, C., Hendrayani, E., & Sudirman, A. (2022). Analysis of the Effect of Performance Expectancy, Effort Expectancy, and Lifestyle Compatibility on Behavioral Intention QRIS in Indonesia. International Journal of Scientific Research and Management, 10(11), 4203–4211. https://doi.org/10.18535/ijsrm/v10i11.em07
Chohan, F., Aras, M., Indra, R., Wicaksono, A., & Winardi, F. (2022). Building Customer Loyalty In Digital Transaction Using QR Code: Quick Response Code Indonesian Standard (QRIS). Journal of Distribution Science, 20(1), 1–11. https://doi.org/10.15722/jds.20.01.202201.1
Darnilawati, D., Yusman, C., Rustam, R., & Munir, A. (2023). Interest in Using Standard Indonesian Quick Response Code (QRIS) at Panam City Metropolitan Traders, Pekanbaru City. 1–7. https://doi.org/10.4108/eai.17-12-2022.2333240
Faisal, C. N., Rachma, A., Syafruddin, I., & Shabirah, K. (2024). The Adoption of an Integrated QR Code Payment System of Indonesian MSME : An Extended Tam Approach. 3(3), 199–204. https://doi.org/10.58860/ijsh.v3i3.167
Farhan, A., & Shifa, A. W. (2023). Penggunaan Metode Pembayaran QRIS Pada Setiap UMKM di Era Digital. Jurnal Pengabdian Kepada Masyarakat, 4(2), 1198–1206.
Gao, J., Siddik, A. B., Khawar Abbas, S., Hamayun, M., Masukujjaman, M., & Alam, S. S. (2023). Impact of E-Commerce and Digital Marketing Adoption on the Financial and Sustainability Performance of MSMEs during the COVID-19 Pandemic: An Empirical Study. Sustainability (Switzerland), 15(2). https://doi.org/10.3390/su15021594
Hamzah Muchtar, E., Trianto, B., Maulana, I., Alim, M. N., Marasabessy, R. H., Hidayat, W., Junaedi, E., & Masrizal. (2024). Quick response code Indonesia standard (QRIS) E-payment adoption: customers perspective. Cogent Business and Management, 11(1). https://doi.org/10.1080/23311975.2024.2316044
Kilay, A. L., Simamora, B. H., & Putra, D. P. (2022). The Influence of E-Payment and E-Commerce Services on Supply Chain Performance: Implications of Open Innovation and Solutions for the Digitalization of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. Journal of Open Innovation: Technology, Market, and Complexity, 8(3), 119. https://doi.org/10.3390/joitmc8030119
Moore, J., Goffin, P., Wiese, J., & Meyer, M. (2021). An interview method for engaging personal data. Proceedings of the ACM on Interactive, Mobile, Wearable and Ubiquitous Technologies, 5(4). https://doi.org/10.1145/3494964
Musyaffi, A. M., Johari, R. J., Rosnidah, I., Sari, D. A. P., Amal, M. I., Tasyrifania, I., Pertiwia, S. A., & Sutanti, F. D. (2021). Digital Payment during Pandemic: An Extension of the Unified Model of QR Code. Academic Journal of Interdisciplinary Studies, 10(6), 213–223. https://doi.org/10.36941/ajis-2021-0166
Nada, D. Q., Suryaningsum, S., & Negara, H. K. S. (2021). Digitalization of the Quick Response Indonesian Standard (QRIS) Payment System for MSME Development. Journal of International Conference Proceedings, 4(3), 551–558. https://doi.org/10.32535/jicp.v4i3.1358
Najib, M., & Fahma, F. (2020). Investigating the adoption of digital payment system through an extended technology acceptance model: An insight from the Indonesian small and medium enterprises. International Journal on Advanced Science, Engineering and Information Technology, 10(4), 1702–1708. https://doi.org/10.18517/ijaseit.10.4.11616
Nugrahini, D. E., & Hijri Alfian, A. (2023). Persepsi Penggunaan E-Payment Di Era Cashless Society: Peran Nilai Online Shopping, Manfaat E-Payment Dan Kepatuhan Syariah (Sharia Compliance). Jmm Unram - Master of Management Journal, 12(1), 88–99. https://doi.org/10.29303/jmm.v12i1.764
Rafferty, N. E., & Fajar, A. N. (2022). Integrated QR Payment System (QRIS): Cashless Payment Solution in Developing Country from Merchant Perspective. Asia Pacific Journal of Information Systems, 32(3), 630–655. https://doi.org/10.14329/APJIS.2022.32.3.630
Rahadi, R. A., Nainggolan, Y. A., Afgani, K. F., Yusliza, M. Y., Faezah, J. N., Ramayah, T., Saputra, J., Muhammad, Z., Farooq, K., & Angelina, C. (2022). Towards a cashless society: Use of electronic payment devices among generation z. International Journal of Data and Network Science, 6(1), 137–146. https://doi.org/10.5267/J.IJDNS.2021.9.014
Rahayu, R. (2022). Factors That Influence the Behavioural Intention to Use E-Payments in Indonesia. Ekonomis: Journal of Economics and Business, 6(1), 116. https://doi.org/10.33087/ekonomis.v6i1.504
Rahmayati, Mujiatun, S., Nasution, Y. S. J., Muhklis, & Ismal, R. (2023). Preferences and Perceptions of MSME Entrepreneurs Towards Islamic Banking QRIS Products and Services in the City of Medan Post COVID 19 era. International Journal of Professional Business Review, 8(5), e01099. https://doi.org/10.26668/businessreview/2023.v8i5.1099
Saputri, N. A. (2021). Readiness of SMEs on Digital Payment for Business Sustainbility. Ekonomi, Keuangan, Investasi Dan Syariah (EKUITAS), 3(2), 140–144. https://doi.org/10.47065/ekuitas.v3i2.1079
Sari, A. C., & Adinugraha, H. H. (2021). Implementation of QRIS-Based Payments Towards the Digitalization of Indonesian MSMEs Arum Candra Sari Hendri Hermawan Adinugraha Abstrak Background The Covid-19 pandemic that occurred in 2019 has become the biggest challenge for every country in the world. EKONOMIKA SYARIAH: Journal of Economic Studies, 5(2).
Sarif, R., Susanto, R. M., Retnasih, N. R., & Segaf, S. (2023). Revolutionizing Resilience: MSMEs’ Journey with Digital Strategies in Post-Pandemic Recovery. JMK (Jurnal Manajemen Dan Kewirausahaan), 8(3), 203. https://doi.org/10.32503/jmk.v8i3.4145
Sholikhah, T. H., & Soesilo, N. I. (2023). QRIS’ Impacts on Turnover Based on Business Scale and Sectoral Study on MSME. Indonesian Journal of Multidisciplinary Science, 2(11), 4032–4042. https://doi.org/10.55324/ijoms.v2i11.613
Strategy, S., Size, S., Method, I., & Analysis, D. (2021). Justification for Adopting Qualitative Research Method, Research Approaches, Sampling Strategy, Sample Size, Interview Method, Saturation, and Data Analysis. Journal of International Business and Management, 5(1), 1–11. https://doi.org/10.37227/jibm-2021-09-1494
Tenggino, D., & Mauritsius, T. (2022). Evaluation of Factors Affecting Intention To Use Qris Payment Transaction. ICIC Express Letters, 16(4), 343–349. https://doi.org/10.24507/icicel.16.04.343
Wahyudin, N., Herlissha, N., Rizki Aldiesi, D., & Rizki Aldiesi is, D. (2022). The Utilization of E-Commerce and QRIS as Digital Payment Tools to Improve Sales Performance through Competitive Advantage in MSME PUBLIC INTEREST STATEMENT. Journal of Consumer Sciences, 7(2), 135–148.
Wayan Arta Setiawan, & Luh Putu Mahyuni. (2020). Qris Di Mata Umkm Eksplorasi Persepsi Dan Intensi Umkm Menggunakan Qris. E-Jurnal Ekonomi Dan Bisnis Universitas Udayana, 9(10), 921–946.
Yan, L. Y., Tan, G. W. H., Loh, X. M., Hew, J. J., & Ooi, K. B. (2021). QR code and mobile payment: The disruptive forces in retail. Journal of Retailing and Consumer Services, 58(May 2020), 102300. https://doi.org/10.1016/j.jretconser.2020.102300
Yustisiana, R., Andhyka, B., & Widayadi, W. (2023). The Role of Financial Literacy among MSMEs in the Revitalization of MSMEs in Indonesia. International Journal of Business and Technology Management, 5(4), 182–189. https://doi.org/10.55057/ijbtm.2023.5.4.17