Sosialisasi Penggunaan QRIS Untuk Transaksi Digital Pelaku UMKM di Kecamatan Mojoagung Kabupaten Jombang
Keywords:
QRIS, MSMEs, Digital Literacy, Financial InclusionAbstract
The rapid growth of the digital economy requires Micro, Small, and Medium Enterprises (MSMEs) to adapt, yet many suburban traders face low digital financial literacy and high technology anxiety. This community service program aimed to accelerate digital transformation and financial inclusion for MSMEs in Mojoagung District, Jombang Regency, through the implementation of the Quick Response Code Indonesian Standard (QRIS). The program employed a participatory approach consisting of three systematic phases: preparation, implementation (mass socialization and on-the-spot technical assistance), and monitoring evaluation. A total of 58 MSME actors participated in this program, exceeding the initial estimation. The success of the program was measured quantitatively through pre-test and post-test instruments, alongside the physical deployment of merchant accounts. The evaluation results demonstrated a significant breakthrough, with the cumulative average score of digital financial literacy increasing from 28.25% to 87%. Furthermore, 49 participants successfully registered their official QRIS merchant accounts on-site and received physical acrylic barcode placards for immediate daily trade operations. While structural challenges such as cellular network fluctuations within the traditional market and administrative synchronization delays with the central civil registry occurred, they were effectively mitigated through manual mutation verification training. In conclusion, this intensive intervention successfully eliminated psychological resistance regarding transaction fees, enhanced cash management efficiency, and established a foundation for digital financial ecosystems among suburban traders.
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This work is licensed under a Creative Commons Attribution 4.0 International License.
