IMPLEMENTASI QRIS PADA UMKM DI UPA UNIVERSITAS SAM RATULANGI
DOI:
https://doi.org/10.35794/8xgapj97Abstract
ABSTRACTThe development of information technology in the Industry 4.0 era has driven the transformation of payment systems from cash to digital. This study aims to analyze the implementation, mechanisms, obstacles, and benefits of adopting the Quick Response Code Indonesian Standard (QRIS) payment system among Micro, Small, and Medium Enterprises (MSMEs) located in the Academic Support Unit (UPA) area of Sam Ratulangi University, Manado. This research employs a qualitative approach with a case study method. Primary data were gathered through in-depth interviews with five business actors (photocopy services, a coffee shop, printing/stationery services, a cafeteria, and a beverage booth) alongside direct field observations conducted from April to June 2026. The credibility of the data was tested using data source triangulation and method triangulation techniques, and subsequently analyzed using the interactive model of Miles and Huberman. The results indicate that the implementation of QRIS among MSMEs at UPA Unsrat has proceeded smoothly through the Static Merchant Presented Mode (MPM) scheme, conveniently facilitated by banking agents. The primary obstacles faced are technical, including internet signal instability and periodic operational system disruptions with relatively low frequency. The adoption of QRIS provides a significant positive impact on transaction time efficiency and minimizes the risk of cashier fraud. However, the adoption of this digital payment technology does not directly affect increases in business turnover or net profit. Furthermore, advanced financial management remains conventional, as business owners still maintain manual bookkeeping based on printed digital transaction histories. This study suggests the necessity of integrating cloud-based Point of Sales (POS) systems to optimize comprehensive MSME digitalization.
Keywords: QRIS, Payment Digitalization, MSMEs, UPA Sam Ratulangi University, Case Study
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