Enhancing MSME Digital Financial Literacy through QRIS Socialization and Assisted Registration in Rural Indonesia

Abstract

Purpose: This study aims to evaluate the implementation and outcomes of a program to improve digital financial literacy and facilitate QRIS (Quick Response Code Indonesian Standard) adoption among Micro, Small, and Medium Enterprises (MSMEs) in Gebang Village, Teluk Pandan District, Pesawaran Regency, Lampung Province, Indonesia, through direct socialization and door-to-door registration assistance.

Methodology: A qualitative descriptive approach was
employed, comprising three stages: preparation (field
observation and MSME identification), implementation
(socialization and direct registration assistance), and evaluation (observation and interviews). Five MSME operators in Gebang Hilir hamlet were targeted, and a door-to-door facilitation model was used to deliver individualized assistance.

Results: All five target MSMEs successfully obtained active QRIS merchant accounts, representing a 100 percent registration completion rate. MSME operators demonstrated improved understanding of digital payment benefits, QRIS registration procedures, and transaction efficiency features. The door-to-door facilitation approach proved highly effective
in overcoming technical barriers and building operator
confidence in digital payment technology adoption.

Conclusions: The integrated socialization and direct assistance model significantly accelerated QRIS adoption and digital financial literacy improvement among rural MSMEs, contributing to MSME digitalization and enhanced competitiveness in the digital economy.

Limitations: The program targeted only five MSMEs in a single hamlet, limiting generalizability. No longitudinal follow-up assessed actual QRIS transaction volume or sustained use after program completion.

Contributions: This study provides a replicable door-to-door facilitation model for QRIS adoption among rural MSMEs in Indonesia, contributing evidence on effective digital financial inclusion program design for small enterprise contexts.