Rozel Renziro Athallah, . (2025) IMPLEMENTASI QRIS TERHADAP EFISIENSI SISTEM PEMBAYARAN PADA PELAKU UMKM DI KANTIN UPN VETERAN JAKARTA. Tugas Akhir thesis, Universitas Pembangunan Nasional Veteran Jakarta.
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Abstract
The digital revolution has positioned Quick Response Code Indonesian Standard (QRIS) as an efficient and inclusive non-cash payment solution, particularly for Micro, Small, and Medium Enterprises (MSMEs). This study aims to evaluate the effectiveness of QRIS in enhancing payment system efficiency among MSMEs at the UPN Veteran Jakarta Canteen. Employing a qualitative descriptive approach, data were collected through in-depth interviews with six MSME operators. Findings reveal that QRIS accelerates transactions, reduces reliance on cash, and facilitates smoother daily cash flow. However, challenges such as delayed fund disbursement, system disruptions, and the absence of real-time transaction notifications hinder its optimal adoption. Variations in digital literacy among MSME operators further influence QRIS utilization. Theoretically, this study reinforces the relevance of the Technology Acceptance Model and Financial Behaviour approaches in elucidating technology adoption and financial management practices among MSMEs. Strategic recommendations are proposed for financial institutions, educational bodies, and regulators to optimize QRIS implementation, fostering sustainable and inclusive digital transformation. Keywords: QRIS, MSMEs, Digital Payment System
| Item Type: | Thesis (Tugas Akhir) |
|---|---|
| Additional Information: | [No. Panggil: 2210101060] [Pembimbing: Wahyudi] [Penguji 2: Agus Kusmana] [Ketua: Siti Hidayati] |
| Uncontrolled Keywords: | QRIS, MSMEs, Digital Payment System |
| Subjects: | H Social Sciences > HB Economic Theory H Social Sciences > HG Finance H Social Sciences > HJ Public Finance T Technology > T Technology (General) |
| Divisions: | Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) |
| Depositing User: | ROZEL RENZIRO ATHALLAH |
| Date Deposited: | 25 Aug 2025 06:56 |
| Last Modified: | 25 Aug 2025 06:56 |
| URI: | http://repository.upnvj.ac.id/id/eprint/39258 |
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