ANALYSIS OF DAILY CAPITAL MANAGEMENT OF CULINARY MSMES IN RESPONDING TO THE QRIS SETTLEMENT MECHANISM
DOI:
https://doi.org/10.54443/ihert.v7i1.538Keywords:
culinary MSMEs,, QRIS, settlement, daily capitalAbstract
This study aims to analyze culinary MSMEs' understanding of the QRIS settlement mechanism, identify obstacles arising from the delay in disbursement, and explain their daily capital management practices in response to these conditions. This study used a descriptive qualitative approach with a case study design through in-depth interviews with one culinary MSME. The results indicate that MSMEs have a general understanding of the QRIS settlement mechanism, but face limited liquidity because funds from non-cash transactions cannot be used on the same day. This condition encourages business actors to adjust their daily capital management by utilizing personal savings and funds from existing cash transactions to maintain business continuity. These findings indicate that the QRIS settlement mechanism has direct implications for the daily financial management of culinary MSMEs.
Downloads
References
Annasthasya, D. et al. (2025). Metodologi Penelitian Kualitatif: Tinjauan Literatur dalam Konteks Pendidikan. Jurnal Ilmiah Multidisipin. Diakses melalui https://doi.org/10.60126/jim.v3i7.1070
Bank Indonesia. (2021). Peraturan Bank Indonesia Nomor 23/6/PBI/2021 tentang Penyedia Jasa Pembayaran. Tersedia pada : https://www.bi.go.id/id/publikasi/peraturan/Pages/PBI_230621.aspx
Bank Indonesia. (2023). Quick Response Code Indonesian Standard (QRIS). Diakses melalui https://www.bi.go.id/id/fungsi-utama/sistem-pembayaran/ritel/kanal-layanan/qris/default.aspx
Elva, H. Y., & Murhayati, S. (2025). Penelitian Studi Kasus Kualitatif. Jurnal Pendidikan Tambusai. Diakses melalui https://doi.org/10.31004/jptam.v9i2.27066
Kuncoro, M. (2010). Masalah, Kebijakan, dan Politik Ekonomika Pembangunan. Jakarta: Erlangga. Tersedia pada https://opac.perpusnas.go.id/DetailOpac.aspx?id=443615
Rahardjo, W. S. (2024). Analisis Manfaat dan Kendala Adopsi QRIS pada UMKM. Journal of Economics and Business UBS. 9(1). Diakses melalui https://jurnal.ubs-usg.ac.id/index.php/joeb/article/view/2933
Sari, A. C., & Adinugraha, H. H. (2022). Implementasi QRIS dalam Mendorong Digitalisasi UMKM di Indonesia. Jurnal Ekonomi Syariah. Tersedia pada https://ejournal.uinbukittinggi.ac.id/index.php/febi/article/view/5027
Sinaga, et al. (2024). Analisis Penggunaan QRIS pada UMKM Kuliner dalam Mendukung Transaksi Non-Tunai. Jurnal Inovasi Ilmu, 4(2) Diakses melalui https://jii.rivierapublishing.id/index.php/jii/article/view/6913
Sugiyono. (2019). Metode penelitian kualitatif, kuantitatif, dan R&D. Bandung: Alfabeta.
Undang-Undang Republik Indonesia Nomor 20 Tahun 2008 tentang Usaha Mikro, Kecil, dan Menengah. Tersedia pada: https://peraturan.bpk.go.id/Details/39653/uu-no-20-tahun-2008
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Mangasi Sinurat
This work is licensed under a Creative Commons Attribution 4.0 International License.
