SOSIALISASI DAN PEMBUATAN QRIS SEBAGAI ALAT PEMBAYARAN PADA UMKM DI DESA TOARI BOMBANA

Abstract

The digital economic transformation requires the informal sector to adapt, yet MSME players in rural areas are often left behind due to limited financial literacy and technological capacity. This community service activity aims to improve digital financial literacy and accelerate the adoption of non-cash payment systems among MSME players in Toari Village, Toari District, Bombana Regency, Southeast Sulawesi Province. The program's implementation method was carried out through a combination of educational socialization, interactive discussions, technical demonstrations, and direct personal registration assistance in the field using the DANA Bisnis application. Data collection was conducted through interviews, observations, and documentation, focusing on recording the number of activated accounts and barcodes. The results showed a 100% digital migration success rate among 8 MSME partners engaged in the grocery stall, food stall, and independent trade sectors. All partners now have active merchant accounts equipped with physical display media in the form of protective acrylic stands containing the QRIS barcode printed on thick concorde paper. This hands-on practice-based assistance has proven effective in overcoming procedural barriers, modernizing daily turnover record administration automatically, and significantly eliminating the risk of financial loss caused by the threat of counterfeit rupiah currency circulation in the rural area of Toari Village.

Transformasi ekonomi digital menuntut sektor informal untuk beradaptasi, namun pelaku UMKM di perdesaan sering kali tertinggal akibat keterbatasan literasi keuangan dan kapasitas teknologi. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan literasi keuangan digital serta mempercepat adopsi sistem pembayaran non-tunai pada pelaku UMKM di Desa Toari, Kecamatan Toari, Kabupaten Bombana, Provinsi Sulawesi Tenggara. Metode pelaksanaan program dilakukan melalui kombinasi sosialisasi edukatif, diskusi interaktif, demonstrasi teknis, serta pendampingan registrasi personal secara langsung di lapangan menggunakan aplikasi DANA Bisnis. Pengumpulan data dilakukan melalui wawancara, observasi, dan dokumentasi, dengan fokus instrumen pada format pencatatan jumlah akun dan kode batang (barcode) yang teraktivasi. Hasil kegiatan menunjukkan keberhasilan migrasi digital sebesar 100% pada 8 mitra UMKM yang bergerak di sektor warung kelontong, kedai makanan, dan usaha mandiri. Seluruh mitra kini memiliki akun merchant aktif dan dilengkapi media pajang fisik berupa dudukan akrilik pelindung berisi kode batang QRIS di atas cetakan kertas concorde tebal. Pendampingan berbasis praktik langsung ini terbukti efektif mengatasi hambatan prosedural, memodernisasi administrasi pencatatan omzet harian secara otomatis, serta secara nyata mampu mengeliminasi risiko kerugian finansial akibat ancaman peredaran uang rupiah palsu di wilayah perdesaan Desa Toari.