Analisis Efektivitas Penggunaan Qris Dalam Meningkatkan Transaksi Keuangan Pada Umkm Di Kelurahan Balang Beru

Abstract

This research aims to analyze the practice, effectiveness, and impact of using the Quick Response Code Indonesian Standard (QRIS) as a payment method in supporting the development of Micro, Small, and Medium Enterprises (MSMEs) in Balangberu Village, Binamu Subdistrict, Jeneponto Regency. The field study was conducted using a qualitative approach on MSMEs that actively utilize QRIS as a payment method in Balangberu Village. Primary and secondary data were collected through observation, interviews, and documentation. The research subjects consisted of five MSME owners, five employees, and five customers of these MSMEs. Data validity was ensured through source triangulation. Data analysis techniques were carried out by reducing data, presenting it, and drawing conclusions. The results of the study show that the effective use of QRIS has a positive impact on MSMEs in Balangberu, including facilitating transactions, enhancing security by reducing the risk of crimes such as pickpocketing, and minimizing the circulation of counterfeit money. Furthermore, the implementation of QRIS also contributes to increasing the income of MSMEs in Balangberu.