Pengaruh Pembayaran Digital (Qris) Dan Inovasi Produk Terhadap Peningkatan Pendapatan UMKM Kuliner Di Jalan Pangkalan Asem Raya Jakarta
Abstract
Abstract.
This research examined the crucial role of digital payments, particularly through QRIS, and product innovation in increasing the revenue of culinary Micro, Small and Medium Enterprises (MSMEs) on Jalan Pangkalan Asem Raya, Jakarta. MSMEs contributed significantly to the Indonesian economy but still faced challenges in adopting digital technology and implementing innovation effectively. This research aimed to analyze how much impact digital payment and product innovation, both partially and simultaneously, had on increasing MSME income. Using a quantitative approach, this research involved the variables of digital payment (X1), product innovation (X2), and increased MSMEs income (Y). Data were collected and analyzed using methods such as analysis of the average respondents’ responses, data quality tests (validity and reliability), hypothesis testing, correlation and determination coefficient analysis, and partial (T-test) and simultaneous (F-test) significance tests. The results showed that digital payments and product innovation significantly influenced the increase in MSMEs’ income. Digital payments, particularly QRIS, were proven to ease transactions and expand market reach, creating a foundation for efficient operations. MSMEs also showed high adaptive capabilities in innovating, especially in responding to market tastes. Simultaneously, these two variables had a strong influence, where 74.7% of the variation in MSMEs’ income increase could be explained by digital payments and product innovation, while the remaining 25.3% was influenced by other factors outside the model. Nonetheless, challenges related to budget allocation and time for research and innovation development still need to be improved for long-term sustainability. In conclusion, the synergy between advances in payment technology and the spirit of product innovation was key to the growth strategy of MSMEs in urban areas such as on Jalan Pangkalan Asem Raya Jakarta. This research recommended the optimization of digital transaction recording, special budget allocation for product innovation, and improved income target planning strategies to promote sustainable growth.
Keywords: Digital Payment (QRIS), Product Innovation, Revenue Increase, MSME, Jakarta.
Downloads
Published
Issue
Section
License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
Copyright Notice
Please find the rights and licenses in JAMBIS : Jurnal Administrasi Bisnis. By submitting the article/manuscript of the article, the author(s) agree with this policy. No specific document sign-off is required.
1.License
The non-commercial use of the article will be governed by the Creative Commons Attribution license as currently displayed on Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
2.Author(s)' Warranties
The author warrants that the article is original, written by stated author(s), has not been published before, contains no unlawful statements, does not infringe the rights of others, is subject to copyright that is vested exclusively in the author and free of any third party rights, and that any necessary written permissions to quote from other sources have been obtained by the author(s).
3.User Rights
JAMBIS : Jurnal Administrasi Bisnis, spirit is to disseminate articles published are as free as possible. Under the Creative Commons license, JAMBIS : Jurnal Administrasi Bisnis permits users to copy, distribute, display, and perform the work for non-commercial purposes only. Users will also need to attribute authors and JAMBIS : Jurnal Administrasi Bisnis on distributing works in the journal and other media of publications.
4.Co-Authorship
If the article was jointly prepared by more than one author, any authors submitting the manuscript warrants that he/she has been authorized by all co-authors to be agreed on this copyright and license notice (agreement) on their behalf, and agrees to inform his/her co-authors of the terms of this policy. JAMBIS : Jurnal Administrasi Bisnis will not be held liable for anything that may arise due to the author(s) internal dispute. JAMBIS : Jurnal Administrasi Bisnis will only communicate with the corresponding author.
5.Miscellaneous
JAMBIS : Jurnal Administrasi Bisnis will publish the article (or have it published) in the journal if the article’s editorial process is successfully completed. JJAMBIS : Jurnal Administrasi Bisnis editors may modify the article to a style of punctuation, spelling, capitalization, referencing and usage that deems appropriate. The author acknowledges that the article may be published so that it will be publicly accessible and such access will be free of charge for the readers as mentioned in point 3.
Every accepted manuscript should be accompanied by "Copyright Transfer Agreement" prior to the article publication.
