Qris Optimzes Business Process At Umkm Administrative Villlage Jakarta Selatan

Abstract

Digital transformation in the Industry 4.0 era has encouraged Micro, Small, and Medium Enterprises (SMEs) to adopt technology, including non-cash payment systems such as QRIS (Quick Response Code Indonesian Standard). SMEs play a crucial role in the Indonesian economy, significantly contributing to the GDP and labor absorption, making the utilization of technology a strategic necessity to remain competitive. Various studies indicate that digitalization can enhance operational efficiency, expand market access, and strengthen business resilience, although obstacles such as low digital literacy and limited internet infrastructure still exist. This research aims to analyze the implementation of QRIS in SMEs within the Setiabudi Sub-district, identify the constraints encountered, and assess the benefits obtained for optimizing business processes. The study employs a phenomenological approach, involving ten SME actors who have used QRIS for a minimum of six months. Data were collected through observation, semi-structured interviews, and documentation, then analyzed using a qualitative descriptive method. The research findings show that QRIS significantly impacts the acceleration of transactions, improves the accuracy of financial record-keeping, and enhances customer satisfaction. Furthermore, QRIS helps expand the market due to consumers' high preference for digital payments. However, several constraints, such as network disruptions, limited understanding of digital features, and concerns related to transaction security, remain major obstacles. Overall, the study concludes that QRIS is an essential instrument in supporting the digital transformation of SMEs. Optimizing its implementation requires increasing digital literacy, improving internet infrastructure, and providing continuous assistance from the government and service providers.
Keywords: SMEs, QRIS, digital payment, transaction efficiency, digital transformation.