Implementation of Quick Response Code Indonesian Standard (QRIS) for MSME Actors in Pemalang Regency

Abstract

ABSTRACT: In the era of globalization, economic digitalization has been advancing, particularly in the MSME sector. This study aims to evaluate the implementation of QRIS (Quick Response Code Indonesian Standard) among MSME players in Pemalang Regency. Using a qualitative approach, data were collected through interviews, observations, and literature reviews. The findings reveal that QRIS simplifies transactions with QR codes, making them faster, easier, and safer while helping prevent counterfeit currency circulation. However, challenges include uneven technological infrastructure, inconsistent policies, a 0.3% transaction fee, and lengthy fund disbursement times. To optimize QRIS adoption, training, incentives, and infrastructure support are needed. With proper implementation, QRIS can drive local economic growth and enhance the competitiveness of MSMEs.