TRANSFORMING MSMES TO A DIGITAL ECONOMY: BANK MANDIRI'S ROLE THROUGH QRIS AS A FINANCIAL INCLUSION INSTRUMENT IN KETIMANG VILLAGE

Andi Mardiana Paduppai; Titin Sekarjati Ningrum; Nur Rochma Ramadhani; Danang Dwi Kurniawa

doi:10.61796/jscs.v3i1.398

Authors

Andi Mardiana Paduppai
[email protected]
Muhammadiyah University of Sidoarjo, Indonesia
Titin Sekarjati Ningrum Muhammadiyah University of Sidoarjo, Indonesia
Nur Rochma Ramadhani Muhammadiyah University of Sidoarjo, Indonesia
Danang Dwi Kurniawa Muhammadiyah University of Sidoarjo, Indonesia

Vol. 3 No. 1 (2026): Journal of Social Community Service (JSCS)

Articles

September 25, 2025

Downloads

VIEW ARTICLE

Abstract
How to Cite
Metrics
References
License

Objective: This study examines the contribution of QRIS to the digital transformation of MSMEs in Ketimang Village through collaboration with Bank Mandiri and the support of the KKN program. Method: A descriptive qualitative method was employed using observation, interviews, documentation, and questionnaires. Results: The findings indicate that QRIS positively impacts transaction efficiency (4.55), financial transparency (4.46), and digital market expansion (4.34). Bank Mandiri plays a vital role in strengthening MSME competitiveness (4.48), while the KKN program effectively enhances digital literacy and provides technical assistance (4.51). Product innovation is also considered important, with a score of 4.45. Challenges remain in terms of limited capital (4.07) and insufficient digital literacy (4.45). The highest-rated aspect is stakeholder synergy (4.70), highlighting that multiparty collaboration is fundamental for establishing an inclusive and sustainable MSME ecosystem. Novelty: The digital transformation of MSMEs through QRIS can be optimized through continuous improvements in digital literacy, better access to financing, and sustained collaborative support among stakeholders.

Paduppai, A. M., Ningrum, T. S., Ramadhani, N. R., & Kurniawa, D. D. (2025). TRANSFORMING MSMES TO A DIGITAL ECONOMY: BANK MANDIRI’S ROLE THROUGH QRIS AS A FINANCIAL INCLUSION INSTRUMENT IN KETIMANG VILLAGE . Journal of Social Comunity Services, 3(1), 1–9. https://doi.org/10.61796/jscs.v3i1.398

Download Citation

M. Husaini, S. Raudah, and M. Amaliya, “Implementasi Prorgam Perluasan Jangkauan Umkm Di Kabupaten Balangan,” SENTRI J. Ris. Ilm., vol. 2, no. 6, pp. 2134–2139, 2023, doi: 10.55681/sentri.v2i6.1027.

A. H. Aliyah, “Peran Usaha Mikro Kecil dan Menengah (UMKM) untuk Meningkatkan Kesejahteraan Masyarakat,” Welf. J. Ilmu Ekon., vol. 3, no. 1, pp. 64–72, 2022, doi: 10.37058/wlfr.v3i1.4719.

M. Sirodjudin and Sudarmiatin, “Implementasi Digital Marketing Oleh UMKM Di Indonesia: A Scoping Review,” J. Ekon. Bisnis dan Manaj., vol. 2, no. 2, pp. 20–35, 2023.

L. Zahra Firdausya, D. Perwira Ompusunggu, and K. Kunci, “Usaha Mikro Kecil Dan Menengah (Umkm) Di Era Digital Abad 21 Micro, Small and Medium Enterprises (Msme) the Digital Age of the 21 St Century,” Talijagad, vol. 2023, no. 3, pp. 14–18, 2023.

M. Tartila, “Strategi Industri Perbankan Syariah dalam Menghadapi Era Digital,” J. Ilm. Ekon. Islam, vol. 8, no. 3, p. 3310, 2022, doi: 10.29040/jiei.v8i3.6408.

I. Nuraeni, L. Nugroho, and D. Sugiarti, “Kajian Knowledge Based Theory dalam Aplikasi Mobile Banking Bank Syariah dan Bank Konvensional (Studi Kasus Pada Bank Syariah Indonesia dan Bank Mandiri),” Terap. dan Apl., vol. 1, no. 2, pp. 78–95, 2024, doi: 10.70550/pelita.v1i2.56.

D. Hikmah Perkasa, F. Harbiato, M. Al Faruq, N. Endah Retno Wuryandari, and C. Nina Rostini, “The Influence of Recruitment, Training, and Motivation Systems on Employee Performance Bank Mandiri Latumentten Branch West Jakarta,” KnE Soc. Sci., vol. 2023, pp. 89–103, 2023, doi: 10.18502/kss.v8i12.13654.

A. D. Amri et al., “Development and Growth of Financial Sector Stock Market on Investment Climate : Study on Bank Syariah Indonesia and Bank Mandiri,” vol. 2, no. 1, pp. 11–24, 2024.

F. Tuzzuhro, N. Rozaini, and M. Yusuf, “PERKEMBANGAN PERBANKAN SYARIAH DIINDONESIA Fatimah,” PeKA J. Pendidik. Ekon. Akunt., vol. 11 No 2, no. 23, pp. 78–87, 2023.

A. Agustin, G. P. E. Putra, D. T. Pramesti, and H. Madiistriyatno, “Strategi UMKM Dalam Menghadapi Digitalisasi,” Oikos-Nomos J. Kaji. Ekon. DAN BISNIS, vol. 16, p. 33, 2023.

E. Eryc and Cindy, “Adoption of Eco-Innovation and Digitalization Influence on the Business Performance of Umkm in Batam City,” J. Teknol. Inf. Dan Komun., vol. 14, no. 1, pp. 67–77, 2023, doi: 10.51903/jtikp.v14i1.468.

R. ILYAS, “Analysis of the Influence of Digitalization on UMKM Growth (Case Study of Bangka Belitung and Yogyakarta UMKM),” Int. J. Environ. Sustain. Soc. Sci., vol. 4, no. 2, pp. 477–481, 2023, doi: 10.38142/ijesss.v4i2.462.

N. P. Lestari and Z. Choirunissa, “Transformasi Digital dan Ketahanan UMKM: Systematic Literature Review (SLR),” Jambura Econ. Educ. J., vol. 7, no. 1, pp. 355–372, 2025, doi: 10.37479/jeej.v7i1.26333.

A. Rachman, N. Julianti, and S. Arkoyah, “Challenges and Opportunities for QRIS Implementation as a Digital Payment System in Indonesia,” EkBis J. Ekon. dan Bisnis, vol. 8, no. 1, pp. 1–13, 2024, doi: 10.14421/ekbis.2024.8.1.2134.

A. W. S. Ahmad Farhan, “Penggunaan Metode Pembayaran QRIS Pada Setiap UMKM di Era Digital,” l Pengabdi. Kpd. Masy. Nusant., vol. 4, no. 2, pp. 1–9, 2023.

T. Yuliati and T. Handayani, “Pendampingan Penggunaan Aplikasi Digital Qris Sebagai Alat Pembayaran Pada Umkm,” Community Dev. J. J. Pengabdi. Masy., vol. 2, no. 3, pp. 811–816, 2021, doi: 10.31004/cdj.v2i3.2612.

N. Alifia, E. Permana, and H. Harnovinsah, “Analisis penggunaan QRIS terhadap peningkatan pendapatan UMKM,” J. Ris. Pendidik. Ekon., vol. 9, no. 1, pp. 102–115, 2024, doi: 10.21067/jrpe.v9i1.9940.

H. Listiyono, S. Sunardi, E. N. Wahyudi, and D. A. Diartono, “Dinamika Implementasi QRIS: Meninjau Peluang dan Tantangan bagi UMKM Indonesia,” IKRA-ITH Inform. J. Komput. dan Inform., vol. 8, no. 2, pp. 120–126, 2024, doi: 10.37817/ikraith-informatika.v8i2.2967.