Preferences and Perceptions of MSME Entrepreneurs Towards Islamic Banking QRIS Products and Services in the City of Medan Post COVID 19 era

Abstract

Purpose: This research as determine the perception of MSME entrepreneurs in the city of Medan in the post-covid-19 era. Design/methodology/approach: This type of research is field research by conducting interviews and Focus Group Discussions (FGD) conducted on MSME entrepreneurs in Medan City who use QRIS and how their preferences and perceptions are, especially for culinary entrepreneurs. Findings: The results of this study are the tendency of MSME entrepreneurs to prefer cashless transactions instead of QRIS because there are network constraints, lack of consistency in real time when transacting, administrative costs are imposed for MSME entrepreneurs so that they tend to cashless transactions other than QRIS so that MSME entrepreneurs do not prioritize the use of QRIS. Furthermore, from the perception of post-covid-19 era MSME entrepreneurs that purchasing power is low, however, the use of QRIS has not shown an increase in business income. Research, Practical & Social implications: Demonstrate the use of QRIS services that can increase the business income of MSME Users. Originality/value: This research provides an affirmation in the thinking of the use of QRIS services that can be developed in a more comprehensive and in-depth research. On preferences and perceptions of MSME and their competencies, considering perception entrepreneurs that purchasing use QRIS.