Amanda , Putri Al – Arief (2025) PERAN BANK TABUNGAN NEGARA KCP WAYHALIM TERADAP PENGGUNAAN QRIS DI BANDAR LAMPUNG. [Composition]
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Abstract
ABSTRAK Penelitian ini bertujuan untuk mengetahui peran Bank Tabungan Negara (BTN) KCP Wayhalim dalam mendorong penggunaan Quick Response Code Indonesian Standard (QRIS) di kalangan masyarakat, khususnya pelaku Usaha Mikro, Kecil, dan Menengah (UMKM). Di era digitalisasi sistem pembayaran, QRIS hadir sebagai solusi transaksi nontunai yang efisien, aman, dan inklusif. Namun, tingkat pemanfaatan QRIS masih bervariasi di masyarakat, yang menjadi latar belakang pentingnya kajian ini. Metode yang digunakan dalam penelitian ini adalah deskriptif kualitatif dengan pengumpulan data melalui observasi, wawancara, dan studi pustaka. Hasil penelitian menunjukkan bahwa BTN KCP Wayhalim berperan aktif dalam sosialisasi, edukasi, pendaftaranmerchant QRIS,serta pendampingan teknis kepada pelaku UMKM. Meski demikian, capaian akuisisi merchant QRIS masih fluktuatif setiap bulan, dipengaruhi oleh rendahnya literasi digital, keterbatasan perangkat, dan kekhawatiran terkait keamanan transaksi. Dari hasil tersebut, dapat disimpulkan bahwa peran BTN KCP Wayhalim cukup signifikan namun masih perlu dioptimalkan. Peningkatan pendekatan personal, evaluasi berkala, dan penguatan infrastruktur digital menjadi kunci untuk memperluas adopsi QRIS secara merata dan berkelanjutan. Kata Kunci: Bank Tabungan Negara, QRIS, Digitalisasi, UMKM, Sistem Pembayaran, Literasi Keuangan ABSTRACT This study aims to examine the role of Bank Tabungan Negara (BTN) KCP Wayhalim in encouraging the use of the Quick Response Code Indonesian Standard (QRIS) among the public, particularly Micro, Small, and Medium Enterprises (MSMEs). In the era of digital payment systems, QRIS emerges as an efficient, secure, and inclusive solution for non-cash transactions. However, the level of QRIS utilization still varies across communities, which forms the background for the importance of this study. The research method used is descriptive qualitative, with data collected through observation, interviews, and literature studies. The results show that BTN KCP Wayhalim plays an active role in socialization, education, QRIS merchant registration, and providing technical assistance to MSME actors. Nevertheless, the monthly QRIS merchant acquisition achievements remain fluctuating, influenced by low digital literacy, limited access to devices, and concerns about transaction security. Based on these findings, it can be concluded that the role of BTN KCP Wayhalim is quite significant but still needs to be optimized. Strengthening personalized approaches, conducting regular evaluations, and enhancing digital infrastructure are key strategies to expand the adoption of QRIS evenly and sustainably. Keywords: Bank Tabungan Negara, QRIS, Digitalization,MSME, Payment System, Financial Literacy
| Item Type: | Composition |
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| Subjects: | ?? 300 ?? ?? 330 ?? |
| Divisions: | ?? d3_keu ?? |
| Depositing User: | A.Md Cahya Anima Putra . |
| Date Deposited: | 14 Nov 2025 02:06 |
| Last Modified: | 14 Nov 2025 02:06 |
| URI: | http://digilib.unila.ac.id/id/eprint/93327 |
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