Kolaborasi Dinas Koperasi dan Usaha Kecil Menengah Kota Binjai Dalam Digitalisasi Pembayaran QRIS

Abstract

This study aims to analyze the collaboration of the Binjai City Cooperatives and Small and Medium Enterprises (SMEs) Office in digitizing cashless payments through the Quick Response Code Indonesian Standard (QRIS) for Micro, Small, and Medium Enterprises (MSMEs). Payment digitization is seen as a strategic step to improve transaction efficiency, expand financial access, and promote transparency in business management. This study utilizes Ansell and Gash's Collaborative Governance theory, which emphasizes the importance of four key indicators: starting conditions, institutional design, facilitative leadership, and collaborative processes. The research approach used was qualitative with descriptive methods. Data were obtained through in-depth interviews with local government officials, financial institutions, and MSMEs, supplemented by field observations and documentation. Data analysis was conducted through systematic data reduction, data presentation, and conclusion drawing. The research results indicate that collaboration in QRIS implementation in Binjai City still faces several obstacles, including low digital literacy among MSMEs, limited technological infrastructure, and minimal outreach and government assistance. Nevertheless, QRIS implementation has had positive impacts in the form of increased MSME transaction effectiveness, operational cost efficiency, and financial transparency and accountability. The study's conclusions confirm that collaboration has significant potential to support the digital transformation of MSMEs in Binjai City. However, to optimally achieve the goal of digitalizing non-cash payments, strengthening collaboration is necessary through a shared vision among stakeholders, increasing MSME digital literacy, and developing an inclusive, adaptive, and sustainable digital ecosystem.