Analisis Penggunaan QRIS Terhadap Peningkatan Pendapatan UMKM di Karimunjawa

Abstract

The background of this research is the rapid development of digital payment systems that encourage Micro, Small, and Medium Enterprises (MSMEs) to adapt in order to remain competitive. This research employs a descriptive qualitative approach, utilizing data collection methods such as in-depth interviews, participatory observation, and documentation studies from various reliable sources, including official websites, academic literature, theses, and scholarly articles relevant to the research topic. The results indicate that with the implementation of QRIS, transactions have become easier to conduct, payments are faster, and increased accessibility for consumers, particularly domestic and international tourists. However, the study also identifies challenges including linitations faced by some business owners, in its implementation, there are burdens borne by MSMEs, such as the MDR fee which has the potential to reduce their income, internet network constraints in several areas, and the settelement process through QRIS which requires a certain amount of time, making it slower than cash transactions and causing delays in cash flow turnover. Overall, the implementation of QRIS in Karimunjawa has significantly contributed to the development of MSMEs; however, continuous assistance and improvements in digital infrastructure are still necessary for optimal outcomes.