QRIS Adoption as a Cashless Transaction: A Case Study of Meatball Seller in Makassar City

Andi Urfia Awaliah; Bachrudin K. Una; Cesilia Arum Septianingsih; Putri Ratnasari

Authors

Andi Urfia Awaliah Universitas Teknologi Sulawesi, Indonesia
Bachrudin K. Una Universitas Muhammadiyah Gorontalo, Indonesia
Cesilia Arum Septianingsih STIE SBI Yogyakarta, Indonesia
Putri Ratnasari Universitas Cenderawasih, Indonesia

Keywords:

QRIS Adoption, Cashless, Meatball Seller, Makassar City

Abstract

The previously free QRIS adoption now incurs fee of 0.3% for small
businesses and 0.7% for medium and large businesses, as determined by Bank
Indonesia. This phenomenon has sparked debates and divided opinions
among meatball traders in Makassar City. As a metropolitan city in Eastern
Indonesia, Makassar is the city with the largest population of MSMEs
compared to other cities in Eastern Indonesia. Despite the Trade Department’s
efforts to promote QRIS, many meatball traders in Makassar city have not
adopted it. This research aims to analyze the perceptions of meatball traders
regarding their interest in implementing cashless through adopting QRIS as
a potential for expanding sales and reducing manual errors in cash
calculations. This qualitative research involved informants (16 buyers and 20
meatball sellers), in research data analysis techniques using the help of NVivo
software. The research results found that QRIS adoption provides various
conveniences, security and expands customer reach as well as increases
efficiency in the cashless business transaction process.

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