IMPLEMENTASI QRIS DALAM MENDUKUNG DIGITALISASI UMKM DI DESA CILINGGA KECAMATAN DARANGDAN PURWAKARTA

Abstract

This study aims to implement the QRIS digital payment system among MSMEs in Cilingga Village, Purwakarta, with the objective of improving transaction efficiency and expanding financial inclusion in rural areas. The methodology involved direct socialization and technical assistance, in collaboration with Bank Mandiri for the creation of QRIS and the opening of bank accounts for business operators. The main findings show that all participating MSMEs successfully adopted QRIS, leading to positive impacts on their operational efficiency and market access. However, challenges such as low digital literacy and initial resistance from MSMEs need to be addressed. The study highlights the importance of continuous support to ensure the effective use of QRIS in the long term. The originality of this research lies in the practical application of digital payment technology in rural settings, offering insights and guidance for similar implementations in other regions