OPTIMALISASI PENGGUNAAN QRIS TERHADAP KELANCARAN DAN KEAMANAN BERTRANSAKSI BAGI PELAKU UMKM DI KOTA PALU

Abstract

This research was conducted on MSMEs in Palu City. The aim of this study is to understand how QRIS is used by MSMEs in Palu City at the micro, small, and medium levels. Additionally, it seeks to measure the smoothness and security of transactions using the non-cash payment method QRIS. Furthermore, this research investigates the obstacles and how to overcome them when using the QRIS payment method. The data analysis method used is descriptive with a case study approach. The results of this research are that MSMEs in Palu City have used QRIS as a non-cash payment method. QRIS really helps business people to able to make transactions quickly and efficiently, providing comfort and ease for consumers. The fact that many consumers currently do not carry cash makes QRIS an appropriate payment method as it has no nominal limits and does not impose administrative fees on consumers for business operators. However, QRIS also has drawbacks, including a deduction from the business operators' revenue, which can reduce their profits.

Keywords: QRIS, MSMEs, Smoothness and Security of transactions,Palu City.