Analisis Efektivitas Penggunaan Quick Response Code Indonesian Standard (QRIS) Dalam Mempermudah Pembayaran

Studi Pada UMKM Desa Cibeureum

Abstract

This research aims to evaluate the effectiveness of using the Quick Response Code Indonesian Standard (QRIS) in facilitating payments for Micro, Small and Medium Enterprises (MSMEs) in Cibeureum Village, Banjar District, Banjar City. This research examines and describes an analysis of the effectiveness of using the Quick Response Code Indonesian Standard (QRIS) in facilitating payments for Micro, Small and Medium Enterprises (MSMEs) in Cibeureum Village, Banjar District, Banjar City using effectiveness theory by explaining the Usefulness and Ease Of Use factors. according to Waluyo in Murniarty to measure the QRIS program in the use of non-cash payment methods. The research method uses a qualitative research type with a descriptive approach, as a data collection technique using several methods, including in-depth interviews with informants, documentation and other data sources. The technique for taking informants uses Purposive Sampling Technique. The analytical method used is the descriptive analysis method. The research results found that although QRIS was designed to simplify the sales process, many consumers still have difficulty implementing it due to lack of digital literacy and infrastructure problems. Apart from that, internet usage in several areas of Cibeureum Village is still slow due to unstable infrastructure. Therefore, using QRIS is considered a good solution to increase the effectiveness of the sales process, but there are still many challenges faced by consumers and MSMEs in using QRIS.