ENGLISH:
Advances in digital technology have driven the shift from cash to cashless payments, one of which is through payments using QRIS (Quick Response Code Indonesian Standard), a digital payment system developed by Bank Indonesia. QRIS is a practical, secure, and efficient digital payment solution that is increasingly being used by MSME players. MSMEs play an important role in the national economy but still face challenges in increasing their income and competitiveness in the digital era. This study aims to analyze how the implementation of QRIS can increase the income of MSMEs in the service, manufacturing, and trade sectors.

This study uses a qualitative research method with a descriptive approach that aims to deeply understand the meaning, views, and experiences of MSME actors in using QRIS as a digital payment method. The research data is sourced from primary and secondary data. Primary data was obtained directly through observation and semi-structured interviews with MSME actors in the service, trade, and manufacturing sectors, while secondary data came from documents, previous research reports, and other supporting sources. Data analysis was carried out using NVivo software through the stages of data import, data coding, visualization, theme exploration, and preparation of research reports.

The results of this study indicate that the use of QRIS in the three MSME sectors, namely services, manufacturing, and trade, provides benefits in terms of ease and practicality in the transaction process, reduces change issues, and helps make financial records more organized. However, there are still several challenges, such as delays in funds coming in, dependence on digital systems, and transaction fees.