Implmentasi Transformasi Ekonomi Digital melalui QRIS pada UMKM Desa Nagori Kebun Sayur Kec. Sidamanik Kab. Simalungun

Abstract

The digital economic transformation requires Micro, Small, and Medium Enterprises (MSMEs) including those in rural areas to shift from cash-based payment systems to cashless systems based on the Quick Response Code Indonesian Standard (QRIS). This community service initiative aims to describe the QRIS implementation process for MSMEs in Nagori Kebun Sayur, Sidamanik District, Simalungun Regency, and to identify the factors facilitating or hindering successful adoption. A descriptive qualitative approach combined with participatory action research was employed, utilizing data collection methods such as observation, semi-structured interviews, and documentation. The program was executed in five stages: initial survey and identification; outreach and education; assistance with QRIS creation and registration; usage training; and ongoing support accompanied by evaluation. The results indicate that prior to the assistance, the majority of MSME operators relied on cash transactions and possessed limited digital understanding; however, following the intervention, there was an increase in understanding, confidence, and interest in adopting QRIS as an additional payment method. Facilitating factors included smartphone ownership, the need to accommodate cashless buyers, and continuous personal guidance, while hindering factors included limited digital literacy, unstable internet connectivity, and ingrained habits of cash-based transactions. These findings underscore that practical, sustained assistance is key to the successful digital economic transformation of MSMEs in rural areas.