THE ROLE OF FINANCIAL TRANSFER PAYMENTS USING E-WALLET IN MSMES "WAJIK BAHAGIA AI RESTAURANT, KABUPATEN KARO"

Anggi Zalfa Zaliya Putri, Fikri Gilang Adilah.G, Silpi Mutiara Sari, Azka Puteri Alya, Isra Hayati

Abstract


Abstract: The rising use of information and communication technology has brought about significant changes to many parts of people's life, including payment systems. The aim of this research is to determine the role of e-wallet-based financial transfer payments in the MSME’s ''Wajik Bahagia Ai Restaurant, Kabupaten Karo''. This research approach uses a qualitative methodology, gathering data through interview, observation and documentation techniques. The respondents who were sources in this research were restaurant owners. The study's findings indicate that e-wallets' function and application in the MSME "Wajik Bahagia Ai Restaurant, Kabupaten Karo" are still ineffective. One of the non-cash payment methods that has been used at ''Wajik Bahagia Ai Restaurant, Kabupaten Karo'' consists of DANA, OVO, and Gopay. The results of this research prove that although e-wallets are very useful, there are still many challenges that must be faced. MSME businesses are strongly encouraged by e-wallets to stop relying on cash transactions. Therefore, it can be said that e-wallets, especially their networks, still need improvement.

 

Keywords: E-Wallet, Msme’s, Digital Payment


Full Text:

PDF

References


References

Afista, T. L., Fuadina, A. L., Aldi, R., & Nofirda, F. A. (2024). Analisis perilaku konsumtif gen-z terhadap digital e-wallet DANA. Jurnal Pendidika Tambusai, 8(1), 3344–3350.

Akuntansi, P. S. (2022). DAMPAK PANDEMI COVID-19 TERHADAP LOYALITAS PELANGGAN PADA MCDONALD’S CABANG SHINTA KARAWACI. 20(1), 105–123.

Hermawan, A., Gloria, A. C., Yunari, S. S., & R.Pandin, M. Y. (2024). Peran E-Wallet Dalam Pengambilan Keputusan Yang Efisien. 5(1), 355–364.

Ii, B. A. B., & Pustaka, T. (2002). BAB II Tinjauan Pustaka BAB II TINJAUAN PUSTAKA 2.1. 1–64.

Indriyani, D., & Sartika, S. H. (2022). Pengaruh E-Wallet Terhadap Perilaku Konsumsi Generasi Z Pada Masa Pandemi Covid-19. Widya Cipta: Jurnal Sekretari Dan Manajemen, 6(1), 68–74. https://doi.org/10.31294/widyacipta.v6i1.12200

Karunia. (2016). TINJAUAN PUSTAKA 1.1 Landasan Teori 2.1.1 E-wallet. 4(June), 2016.

Latifah, H. A., Kadi, D. C. A., & Sari, S. L. (2022). Pengaruh kemudahan, kemanfaatan, kepercayaan, promosi, dan fitur layanan terhadap keputusan penggunaan e-wallet di kota Madiun (Studi Kasus Pada Masyarakat Madiun). CITACONOMIA : Economic and Business Studies, 1(01), 1–14. https://ejournal.citakonsultindo.or.id/index.php/CITACONOMIA/indexdex

Lestari, W., Isnawati, D., & Jati, A. I. (2022). Analisis Perilaku Konsumen di Indonesia Selama Pandemi Covid-19. Nomicpedia: Journal of Economics and Business Innovation, 2(2), 93–101. https://journal.inspirasi.or.id/index.php/nomicpedia

Nugrah Leksono Putri Handayani, & Poppy Fitrijanti Soeparan. (2022). Peran Sistem Pembayaran Digital Dalam Revitalisasi UMKM. Transformasi: Journal of Economics and Business Management, 1(3), 20–32. https://doi.org/10.56444/transformasi.v1i3.425

Pitryani, Fitria, E., & Elvina. (2022). Analisa Penggunaan E-Wallet dalam Keseharian Masyarakat di Kabupaten Labuhanbatu. ARBITRASE: Journal of Economics and Accounting, 3(2), 281–285. https://doi.org/10.47065/arbitrase.v3i2.480

Rahma, H. N., Hanum, D. R., Noviyanti, A. V., & Kustiningsih, N. (2021). F. Penggunaan Electronic Payment Sebagai Solusi Pembayaran Pada Umkm Serendipity Snack Ditengah Pandemi Covid-19. Inovasi Manajemen Dan Kebijakan Publik, 4(2), 71. https://doi.org/10.54980/imkp.v4i2.161

Saputro, R. J., & Winarni, D. (2023). Analisis Penggunaan Aplikasi Dompet Digital di UMKM Kota Depok. Jurnal Administrasi Profesional, 4(1), 57–64. https://doi.org/10.32722/jap.v4i1.6084

Setiawan, D. A., W, S. K., Diana, A. L., W, I. A. H., Yusuf, M., & Krisnando. (2023). Penyuluhan Pemahaman Digital Wallet, Digital Perbankan Dan Pajak Penghasilan Bagi Pengusaha Kecil Untuk Meningkatkan Omzet Penjualan. Jurnal Pengabdian Mandiri, 2(9), 1955–1962. http://www.nber.org/papers/w16019

Sihaloho, J. E., Ramadani, A., & Rahmayanti, S. (2020). Implementasi Sistem Pembayaran Quick Response Indonesia Standard Universitas Sumatera Utara (1)(2)(3). Jurnal Managemen Bisnis, 17(2), 287–297. http://journal.undiknas.ac.id/index.php/magister-manajemen/

Sya’diyah, H. (2024). The Influence of Ovo Digital Wallet (E-Wallet Quality) on Gen-Z’s Interest. Journal of Islamic Finance and …, 1, 163–173. https://onlinejournal.penacceleration.com/index.php/fet/article/view/29%0Ahttps://onlinejournal.penacceleration.com/index.php/fet/article/download/29/25




DOI: https://doi.org/10.3059/insis.v0i0.22854

DOI (PDF): https://doi.org/10.3059/insis.v0i0.22854.g12982

Refbacks

  • There are currently no refbacks.