Hanna Rahmadaniah, Bella Puspita Sari, Safta Arwandi, Maya Panorama

DAMPAK PENGGUNAAN QRIS TERHADAP AKTIVITAS EKONOMI PEDAGANG DI PASAR 16 ILIR PALEMBANG

Introduction

Dampak penggunaan qris terhadap aktivitas ekonomi pedagang di pasar 16 ilir palembang. Kaji dampak QRIS pada pedagang Pasar 16 Ilir Palembang. QRIS tingkatkan efisiensi transaksi, keamanan, pelanggan, & omzet, walau ada tantangan digitalisasi. Dorong ekonomi inklusif.

Abstract

Abstrak: Perkembangan teknologi informasi telah membawa perubahan besar pada sistem pembayaran, di mana Quick Response Code Indonesian Standard (QRIS) menjadi inovasi penting yang bertujuan untuk meningkatkan efisiensi serta merangkul lebih banyak orang dalam sistem keuangan. Namun, adopsi QRIS di pasar tradisional masih rendah karena kurangnya pengetahuan digital dan preferensi konsumen yang berbeda. Penelitian ini bertujuan untuk mengkaji pengaruh penggunaan QRIS terhadap kegiatan ekonomi para pedagang di Pasar 16 Ilir Palembang. Dengan menggunakan metode kualitatif deskriptif, penelitian ini melibatkan wawancara mendalam dan observasi partisipatif terhadap 30 pedagang yang telah memanfaatkan QRIS selama minimal tiga bulan, yang dipilih melalui purposive sampling. Hasil dari penelitian ini menunjukkan bahwa QRIS memberikan dampak positif yang signifikan terhadap efisiensi transaksi (90%), otomatisasi pencatatan keuangan (76,7%), dan keamanan dalam proses pembayaran (73,3%). Selain itu, QRIS juga berkontribusi dalam peningkatan jumlah pelanggan (66,7%) dan omzet penjualan (53,3%), yang sejalan dengan konsep kegunaan yang dirasakan dalam Technology Acceptance Model (TAM). Meskipun demikian, terdapat beberapa tantangan seperti preferensi pelanggan untuk melakukan transaksi secara tunai (73,3%), kesulitan bagi pedagang dalam menggunakan aplikasi digital (60%), gangguan sinyal internet (50%), dan kurangnya dukungan teknis (33,3%), yang mengindikasikan perlunya peningkatan kemudahan penggunaan. Untuk itu, penelitian ini merekomendasikan program pendidikan digital yang berkelanjutan, pengembangan infrastruktur digital yang memadai, serta promosi aktif untuk meningkatkan kesadaran dan minat terhadap QRIS. Hal ini diharapkan dapat mendorong pertumbuhan ekonomi yang inklusif dan berkelanjutan di pasar tradisional serta meningkatkan daya saing pedagang dalam era digital. Kata Kunci:  QRIS; pasar tradisional; efisiensi transaksi; pedagang; digitalisasi pembayaran.   Abstract:  The development of information technology has brought major changes to the payment system payment system, where the Quick Response Code Indonesian Standard (QRIS) has become an important an important innovation that aims to improve efficiency and embrace more people in the financial system. more people in the financial system. However, QRIS adoption in traditional markets markets is still low due to the lack of digital knowledge and preferences of different consumers. This study aims to examine the effect of the use of QRIS on the economic activities of traders in 16 Ilir Market, Palembang. Palembang. Using a descriptive qualitative method, this research involves in-depth interviews and participatory observation of 30 merchants who have been utilizing QRIS for at least three months. who have utilized QRIS for at least three months, selected through purposive sampling. purposive sampling. The results of this study show that QRIS provides a significant positive impact on transaction efficiency (90%), automation of (76.7%), and security in the payment process (73.3%). In addition, QRIS also contributes to an increase in the number of customers (66.7%) and sales turnover (53.3%). and sales turnover (53.3%), which is in line with the concept of perceived usefulness in the Technology Acceptance Model (TAM). in the Technology Acceptance Model (TAM). Nonetheless, there are some challenges such as customers' preference for cash transactions (73.3%), difficulties for merchants in using digital applications (60%), internet signal interference (50%), and lack of technical support (33.3%), indicating the need for indicating the need to improve the ease of This research recommends a sustainable digital education program, development of adequate digital infrastructure, as well as active promotion to increase awareness and interest in QRIS. This is expected to encourage inclusive and sustainable economic growth in traditional markets as well as improve traditional markets as well as improving merchant competitiveness in the digital era. Keywords: QRIS; traditional markets; transaction efficiency; merchants; payment digitization.

Review

The paper "DAMPAK PENGGUNAAN QRIS TERHADAP AKTIVITAS EKONOMI PEDAGANG DI PASAR 16 ILIR PALEMBANG" addresses a highly relevant and timely topic concerning the digital transformation of payment systems in traditional market settings. It aims to investigate the influence of Quick Response Code Indonesian Standard (QRIS) on the economic activities of traders in Pasar 16 Ilir Palembang. Given the acknowledged low adoption rates of QRIS in traditional markets due to digital knowledge gaps and consumer preferences, this research provides valuable insights into the opportunities and challenges of digitizing payments in a crucial sector of the local economy. The study employs a descriptive qualitative approach, utilizing in-depth interviews and participatory observation with 30 purposively sampled merchants who have used QRIS for at least three months. The findings significantly highlight the positive contributions of QRIS to the economic activities of the surveyed traders. Specifically, the abstract indicates a substantial improvement in transaction efficiency (90%), automation of financial record-keeping (76.7%), and enhanced payment security (73.3%). Furthermore, QRIS is reported to contribute to an increase in customer numbers (66.7%) and sales turnover (53.3%), aligning well with the concept of perceived usefulness from the Technology Acceptance Model (TAM). These quantitative insights, derived from a qualitative study, offer a compelling picture of the tangible benefits experienced by early adopters, suggesting QRIS's potential to drive economic growth and competitiveness for small businesses in traditional markets. Despite the positive impacts, the research transparently identifies several critical challenges hindering broader QRIS adoption and effective utilization. These include a strong customer preference for cash transactions (73.3%), difficulties faced by merchants in navigating digital applications (60%), persistent internet signal interference (50%), and a perceived lack of adequate technical support (33.3%). These issues underscore the need for an improved "perceived ease of use," another key dimension of TAM. The study judiciously recommends sustainable digital education programs, robust digital infrastructure development, and proactive promotional campaigns to enhance awareness and interest in QRIS. Overall, this research makes a valuable contribution by providing a nuanced understanding of QRIS's impact in a specific traditional market, offering actionable recommendations for policymakers and stakeholders aiming to foster inclusive and sustainable digital economic growth.

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