Pengaruh Adopsi QRIS terhadap Peningkatan Omzet dan Akses Pembiayaan Formal UMKM Sektor Kuliner Tradisional di Kota Makassar
Keywords:
Kuliner Tradisional, UMKM, Omzet, QRISAbstract
Adopsi Quick Response Code Indonesian Standard (QRIS) pada usaha mikro, kecil, dan menengah (UMKM) sektor kuliner tradisional menjadi fenomena penting dalam transformasi ekonomi digital di Kota Makassar. QRIS tidak hanya berfungsi sebagai instrumen pembayaran nontunai, tetapi juga berpotensi membentuk rekam transaksi digital yang dapat memperbaiki pencatatan omzet dan memperkuat kelayakan usaha dalam mengakses pembiayaan formal. Penelitian ini bertujuan untuk menganalisis pengaruh adopsi QRIS terhadap peningkatan omzet dan akses pembiayaan formal UMKM kuliner tradisional di Kota Makassar. Penelitian menggunakan pendekatan kualitatif dengan metode studi kasus melalui wawancara mendalam, observasi usaha, dan dokumentasi transaksi pada pelaku UMKM kuliner tradisional, penyedia jasa pembayaran, lembaga keuangan, dan pemangku kebijakan daerah. Hasil kajian menunjukkan bahwa QRIS berpengaruh terhadap omzet melalui empat mekanisme utama, yaitu perluasan pilihan pembayaran, peningkatan kenyamanan konsumen, pengurangan kehilangan peluang penjualan akibat keterbatasan uang tunai, dan peningkatan profesionalitas usaha. Sementara itu, pengaruh QRIS terhadap akses pembiayaan formal berlangsung melalui terbentuknya jejak transaksi digital, keteraturan arus kas, peningkatan kredibilitas usaha, dan kemudahan verifikasi pendapatan oleh lembaga keuangan. Namun, manfaat tersebut belum merata karena sebagian pelaku UMKM menghadapi kendala literasi digital, biaya transaksi, gangguan jaringan, pencairan dana, serta rendahnya pemahaman tentang penggunaan data transaksi sebagai basis pembiayaan. Penelitian ini menyimpulkan bahwa QRIS dapat menjadi instrumen strategis peningkatan omzet dan inklusi pembiayaan formal apabila didukung oleh literasi keuangan digital, pendampingan usaha, integrasi data, dan kebijakan afirmatif bagi UMKM kuliner tradisional.
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