Publication Search

This study aims to improve digital money literacy among the community of Kineppen Village, Munte District, Karo Regency, through education and the implementation of the QRIS (Quick Response Code Indonesian Standard) payment system. The research utilized a descriptive qualitative approach, incorporating field observations, interviews, and direct mentoring with four local businesses: Ayam Penyet Pak Lek, Warkop Aim Tigander, Oke Laundry Kineppen, and Pangkas Singarimbun. The findings show that two businesses, Ayam Penyet Pak Lek and Pangkas Singarimbun, successfully adopted QRIS, leading to smoother transactions and increased customer trust. However, the other two businesses, Warkop Aim Tigander and Oke Laundry Kineppen, still face challenges in adopting the system due to limited internet access and deep-rooted traditional cash payment habits. Despite these barriers, the program significantly enhanced the digital literacy of local entrepreneurs, raising their awareness and readiness to participate in the village’s digital economy. This study emphasizes the importance of continuous support and access to technology in fostering the broader adoption of digital payment systems, particularly in rural areas where technological access may still be limited

Bitcoin and Altcoin are digital currencies (cryptocurrencies) that use blockchain technology, a technology that can monitor, supervise, record, and record every transaction that occurs in digital currency. Bitcoin is decentralized, meaning it is spread everywhere, not centralized and cannot be regulated by authorities or other institutions. In making transactions, it is very necessary to recognize digital currencies such as identity, core business, projects being developed, volume of demand and supply, and other indicators. The need to find out information about coins/crypto tokens before trading, is a very helpful thing for traders because of concerns about coins/tokens that are indicated as scam or rugpull. Coinmarketcap.com and coingecko are data provider sites related to bitcoin and altcoins around the world, which can help find and analyze related information about tokens/cryptocoins to be traded, but do not guarantee accuracy, but can minimize the occurrence of greater losses. Digital currencies provide business opportunities and loopholes to be able to generate profit from every coin/token traded, but on the other hand these assets are risky for traders and investors due to their high volatility which makes market price movements difficult to predict (unpredictable). To be able to overcome this problem it is necessary to manage finances by taking 10% for trading from the main salary earned, dividing which assets are needed for trading and which are for daily / other living needs and self-control well, when is it time to trade, rest, and when to pause. That way it can save other assets when the other asset is experiencing a decline, so it doesn't disturb the main asset.

Tujuan dari diadakan penelitian ini adalah sebagai pendampingan penggunaan QRIS pada UMKM upaya peningkatan produktivitas UMKM di Kota Medan, dengan 3 pelaku UMKM diantaranya: 1) Bakso Bakar Vani, 2) Mie Ayam Jamur Barokah, dan 3) Berkah Konveksi. Menggunakan metode pelaksanaan: beberapa tahapan yang dilakukan dalam kegiatan ini sebagai berikut: (1). Persiapan awal, 2) Pelaksanaan yang berupa pemaparan materi, sosialisasi dan pembuatan QRIS, 3) Pendampingan penggunaan QRIS.Masing-masing dari pelaku UMKM yang sebelumnya menggunakan pembayaran tunai, belum pernah menggunakan QRIS, atau bahkan tidak mengetahui adanya QRIS tersebut. Pada penelitian ini dilakukan pada Oktober 2022 hingga awal November 2022. Dengan menunjukkan hasil penelitian yaitu adanya QRIS memberikan pengaruh yang baik kepada para pelaku UMKM berupa efektifitas dan efisiensi terhadap transaksi digital. Dengan menghemat waktu dari terlepasnya mencari uang kembalian sehingga lebih meningkatkan produktivitas pada UMKM tersebut, terlebih lagi apabila melakukan transaksi digital yang jumlah besar sehingga tidak terjadinya kesalahan teknis yang tidak diinginkan.