Payment Codes Research Articles

Digitalisasi Umkm dalam Inovasi Pemasaran Produk dan Pembayaran Digital pada Pelaku Industri Rumahan di Desa Kronjo Kabupaten Tangerang Provinsi Banten

The home industry business actors in Kronjo Village boast a diverse range of high quality products, including processed fishery products and processed products derived from mangrove forests. Despite the abundance of these products, a significant number of individuals, both local and domestic, remain unaware of them. The market has not yet fully embraced these products, and occasionally, there are challenges when it comes to providing refunds to consumers during manual transactions. This community service initiative aims to impart comprehensive information to MSME industry participants on marketing innovations and digital payments within their respective enterprises. The provision of training is expected to enhance the ability of home industry players to promote their products and effectively use digital payment systems for transaction facilitation. Consequently, this activity enables participants in the home industry to enhance their revenue and understand that payments can be conducted digitally, specifically through QRIS or unique payment codes, rather than just in cash or transfers between banks.

Advancing Msmes Through Global Integration and Cross-Border Connectivity: Opportunities for Qris-Based Payment Code Development

Indonesia's rapid economic development in the digital era has witnessed a significant shift from traditional cash-based public payments to digital systems. Digital payments offer enhanced convenience, efficiency, security, and user-friendliness. Among these digital payment methods, QR Codes have emerged as a crucial solution, particularly during the COVID-19 pandemic, which led to a slump in the Indonesian economy due to social distancing measures. The adoption of the Quick Response Indonesian Standard (QRIS) as a cashless payment method by most Micro, Small, and Medium Enterprises (MSMEs) in Indonesia presents a promising solution due to its numerous advantages, including instant payment, enhanced security, easy setup, high reliability, and absence of associated charges. However, QRIS payments face limitations as they are inaccessible to foreigners without bank accounts or connections to Indonesian payment operators. To address this challenge, the Indonesian government has collaborated with four ASEAN countries to integrate the QRIS system with their respective user bases. Nevertheless, the global utilization of QRIS remains a problem that this study aims to address. One approach to promoting cross-border QR payment cooperation is to bolster the economic progress of MSMEs in each country. The objective of this study is to highlight the significant opportunities for developing integrated connectivity and cross-border QR payment codes in Indonesia. Further research is necessary to advance the development of prototypes, designs, and the implementation of integrated connectivity and cross-border QR payment code linkage on a global scale.

Healthcare payment mechanism: Execution results of bundled payment program for bariatric surgery diagnosis in its first year of implementation in Chile.

More than 600 thousand people in Chile live with morbid obesity. Effective, safe, cost-effective therapeutic interventions are critical for healthcare systems and insurance schemes. In 2022, two bundled payment codes for bariatric surgery (gastric bypass and gastric sleeve) were incorporated into the National Health Fund's free-choice modality fee scheme. The objective was to characterize the execution of this payment mechanism program associated with bariatric surgery diagnosis in its first year of implementation.More than six hundred thousand people in Chile are estimated to live with morbid obesity. Effective, safe, cost-effective therapeutic interventions are critical for health systems and insurance schemes. In 2022, FONASA incorporated two Bariatric Surgery codes into the Free Choice Modality: Gastric Bypass and Sleeve Gastrectomy. Our objective was to characterize the execution of the Bariatric Surgery Bundled Payment Program in its first year of implementation. Descriptive and observational study of the pragmatic approach of the national execution of the payment associated with diagnosis in bariatric surgery. We examined sociodemographic variables (sex, age brackets, and National Health Fund tranches) and characterization of surgeries by code broken down by public or private provider, period of issue, unit cost, co-payment, and medical loans between March and December 2022. We recorded n = 13 118 surgeries (45.81% bypass versus 54.19% sleeve), of which n = 2424 (18.48%) used medical loans. A total of 85.01% (p = 0.01) of the procedures were in women, in people between 35 and 39 years of age (20.15%), and 45.12% in beneficiaries of tranche B. Private providers performed a total of 99.21% of the surgeries. Ten accounted for 50% of the activity (range n = 1200 to 426 surgeries per year; n = 4.8 to 1.7 surgeries per working day). Total program expenditure was $71 626 948 350 CLP, accounting for 5.04% of the total activity of the national Diagnosis Associated Payment Program. The implementation of this bariatric surgery voucher benefited more than 13 thousand people living with obesity, mostly women of productive ages and with purchasing capacity. As an equity strategy, regardless of the access route through the voucher, it will be important to safeguard the activity in the public network.

Pendampingan Penambahan Media Pembayaran QRIS Pada UMKM Toko Pertanian dan Toko Kelontong di Kabupaten Sleman

This activity aims to assist the addition of QRIS payment channel of Toko Pertanian "Griya Tani" and Toko Kelontong "Bu Tini". Both partners are located in Mororejo, Tempel, Sleman, DIY. In their business, both partners have the same obstacles related to difficulties in finding change so that it can hamper transaction activities. Based on these problems, it is important to assistance in adding other payment channel through QRIS which can be a solution so that it will facilitate their buying and selling transaction activities. The method used is socialization by providing an understanding of QRIS and its benefits, guidance on registering and how to get a business DANA account to take QR codes as payment codes. The result of this mentoring activity is that both partners understand about QRIS and its uses and both partners have a new payment channel, namely QRIS as an alternative payment other than using cash.

Determinants of supplier payment times before and during the pandemic: Empirical evidence from UK firms

Timely, compliant payment to suppliers is a significant issue in purchasing and supply management (PSM) but research into its determinants is limited. Here we draw on social responsibility, fintech and digital purchasing literatures, and institutional and stakeholder theories to explain variations in supplier payment times. A sample of 509 firms spanning 2018–2021 is used for panel regression analysis. Contrary to expectations, the COVID-19 pandemic did not lead to longer payment times or reduced compliance with payment terms, which we attribute to state-funded business supports and corporate decisions to accelerate payment to vulnerable suppliers. Institutional pressure in the form of payment codes was associated with shorter payment times and improved compliance during the pandemic. Supply chain finance (SCF) was associated with longer payment times during the pandemic while e-invoicing had no effect. Overall, institutional pressure seems to contribute to faster payment but stakeholder-centred fintech and digitalisation does not.

The Impact of Quick Response Adoption of Payment Code on MSMEs’ Financial Performance in Indonesia

The COVID-19 and digitalization trends have brought changes to the way producers and consumers interact, especially in payment transactions. In Indonesia, one method of using digital payments is using a QR code standard known as the Quick Response Code Indonesian Standard (QRIS). In accepting technology, the Technology Acceptance Model (TAM) can help predict one's acceptance of technology. The purpose of this research is to see the effect of adopting QR codes for payment on the financial performance of MSMEs in Indonesia and identify the factors and indicators that influence MSMEs in adopting QRIS. There were 296 respondents, who are users and non-users of QRIS from micro businesses throughout Indonesia. Questionnaires were distributed online, and data processing used the Structural Equation Model (SEM). The results show that the intention to adopt QRIS can significantly affect the financial performance of MSMEs, which in this case relates to an increase in the number and nominal transactions, sales turnover, business cash flow, and sales records. Perceived convenience, social influence, perceived usefulness, and perceived cost have a significant effect on influencing micro businesses to use QRIS. On the other hand, perceived compatibility, trust, personal innovativeness, and moderation variable such as length of business and experience of using digital payment does not significantly affect the micro business intention of using QRIS.

A Sustainable Approach to Delivering Programmable Peer-to-Peer Offline Payments.

Payment apps and digital wallets are powerful tools used to exchange e-money via the internet. However, with the progressive disappearance of cash, there is a need for the digital equivalent of physical banknotes to guarantee the same level of anonymity of private payments. Few efforts to solve the double-spending problem exist in P2P payments (i.e., in avoiding the possibility of a payer retaining copies of digital coins in absence of a trusted third party (TTP)), and further research efforts are needed to explore options to preserve the privacy of payments, as per the mandates of numerous central bank digital currency (CBDC) exploratory initiatives, such as the digital euro. Moreover, generic programmability requirements and energetic impacts should be considered. In this paper, we present a sustainable offline P2P payment scheme to face the double-spending problem by means of a one-time program (OTP) approach. The approach consists of wiping the business logic out of a client's app and allowing financial intermediaries to inject a certified payment code into the user's device, which will execute (asynchronously and offline) at the time of payment. To do so, we wrap each coin in a program at the time of withdrawal. Then the program exploits the trusted execution environment (TEE) of modern smartphones to transfer itself from the payer to the payee via a direct IoT link. To confirm the validity of the approach, we performed qualitative and quantitative evaluations, specifically focusing on the energetic sustainability of the proposed scheme. Results show that our payment scheme is energetically sustainable as the current absorbed for sending one coin is, at most, ~1.8 mAh on an Apple smartphone. We advance the state-of-the-art because the scheme meets the programmability, anonymity, and sustainability requirements (at the same time).

The Combined Application Technology of the Bank's TwoDimensional Aggregate Payment Code and the Vegetable Field Traceability System

With the rapid development of social economy, people's living standards and quality of life are getting better and better, and food safety is getting more and more attention. Aiming at the problem of vegetable traceability, this paper analyzes the bank's QR code scan code aggregation payment model. Secondly, it designs a green food traceability system and elaborates the realization of the main functions of the system. Practice has proved that the traceability system of green food can allow consumers to consume with confidence, and at the same time, it is convenient for the competent government departments to trace the source in time and control the quality.

Analisis Penerapan PPN dan PPH Pasal 22 Atas Pengadaan Barang di Balai Jembatan Kementrian PUPR

Tax is one of the main components of the Indonesian economy which serves as the source of the funding for APBD and APBN.The government treasurer as the functional official has the obligation and authority to deposit and report Value Added Tax (VAT) and Income TaxArticle 22 from every payment for the procurement of goods whose funding source is from the APBN. The purpose of this research is to find out the implementation of calculation, depositing, and reporting of VAT and Income Tax Article 22 for the procurement of goods at Balai Jembatan of the Ministry of Public Works and Public Housing.This study was conducted with the descriptive qualitative method fromDecember2021 to January 2022.The results of the research show that the VAT is calculated using a 10% rate, while the Income Tax Article 22 used a 1,5% rate, which is then deposited using the Persepsi payment code from Kantor Pos Indonesia. Reportings are done by using SPT Masa Unifikasi which needs to be done in 20 days maximum from the end of the tax period.Reporting, depositing, and calculation of VAT and Income Tax Article 22 by the treasurer of Balai Jembatanof the Ministry of Public Works and Public Housing have been carried out in accordance with the regulations regarding tax from the Ministry of Finance. However, there are still delays in reporting VAT and Income Tax Article 22 in several tax periods.
 Keywords: Government Treasurer, VAT, Income Tax Article 22

Analisis Penerapan PPN dan PPH Pasal 22 Atas Pengadaan Barang di Balai Jembatan Kementrian PUPR

Tax is one of the main components of the Indonesian economy which serves as the source of the funding for APBD and APBN.The government treasurer as the functional official has the obligation and authority to deposit and report Value Added Tax (VAT) and Income TaxArticle 22 from every payment for the procurement of goods whose funding source is from the APBN. The purpose of this research is to find out the implementation of calculation, depositing, and reporting of VAT and Income Tax Article 22 for the procurement of goods at Balai Jembatan of the Ministry of Public Works and Public Housing.This study was conducted with the descriptive qualitative method fromDecember2021 to January 2022.The results of the research show that the VAT is calculated using a 10% rate, while the Income Tax Article 22 used a 1,5% rate, which is then deposited using the Persepsi payment code from Kantor Pos Indonesia. Reportings are done by using SPT Masa Unifikasi which needs to be done in 20 days maximum from the end of the tax period.Reporting, depositing, and calculation of VAT and Income Tax Article 22 by the treasurer of Balai Jembatanof the Ministry of Public Works and Public Housing have been carried out in accordance with the regulations regarding tax from the Ministry of Finance. However, there are still delays in reporting VAT and Income Tax Article 22 in several tax periods.
 Keywords: Government Treasurer, VAT, Income Tax Article 22

Screen Industry Snap-Shot: A Study of the Bruneian Screen Industry amid the COVID-19 Pandemic

This is the first data-driven pilot study that is focused on the micro-scaled but burgeoning Bruneian screen industry. The scope of the study includes employment modes, frequency of productions, payment codes of practice and exhibition platforms, based on the data collected by both online surveys and semi-structured, face-to-face interviews between January to June 2021. The aim of this paper is to investigate the possible creation of a temporarily closed system of interaction between the local screen industry and other Bruneian businesses. It is hypothesised that the COVID-19 pandemic and subsequent action taken by the Bruneian Government to restrict international travel and border crossings resulted in a new and rare interchange of production-based activity. The study targets a wide variety of parties, from industry professionals, e.g., production house managers, senior producers, freelancers, and the so-called gig-lancers, to governmental policymakers, i.e., representatives from Authority Info-communications Technology Industry (AITI) in Brunei.

Identifying and delineating the type 2 diabetes population in the Netherlands using an all-payer claims database: characteristics, healthcare utilisation and expenditures

ObjectivesWe aimed to identify and delineate the Dutch type 2 diabetes population and the distribution of healthcare utilisation and expenditures across the health system from 2016 to 2018 using an...

Health IT advances for the 21st century.

The United States is working toward a value-based health care system in which reimbursement will be based on quality outcomes rather than on Current Procedural Terminology payment codes. Health data will be more easily shared, and patients will have more control of their records. Health information technology advances in the federal 21st Century Cures Act follow earlier related legislation and regulation that moved clinical care and research forward. Policy analysis of the Cures Act is presented following the three phases of the Longest model (2010): formation, implementation, and modification. With the passage of the Cures Act and promulgation of its final rules, the formation phase is complete. The implementation phase has begun. Modification may occur, based on the evaluation of key deliverables over time. Advanced practice nurses are well-suited to the use of electronic tools to share data with patients and other providers. New competencies, tools, and infrastructure are needed for advanced practice nurses to fully participate in value-based health care. Full implementation of the 21st Century Cures Act with the use of coded concepts in standardized nursing terminologies will provide an ideal foundation for strong patient-centered care, population health, and reimbursement that takes advanced nursing practice into account.

Liability in BUMDes Bankcruptcy

This research uses judicial normative research methodology since the research is aimed to evaluate the regulations found in the formal rules and regulations related to the BUM Desa or village-owned company and the company bankruptcy, namely Regulations Number 6 year 2014 regarding the Village and Regulations Number 37 year 2004 regarding Bankruptcy and the Deferal of Obligation Payment Code and connect with responsibility of village head. The research conclusions show that: firstly, BUM Desa is initially a business entity without having the status as a legal entity, but during its development, it might have the status of a legal entity. Secondly, Supervisors can be responsible for bankruptcy of BUMDes if it is proven that their fault has caused BUMDes to go Bankruptcy.

Liability in BUMDes Bankcruptcy

This research uses judicial normative research methodology since the research is aimed to evaluate the regulations found in the formal rules and regulations related to the BUM Desa or village-owned company and the company bankruptcy, namely Regulations Number 6 year 2014 regarding the Village and Regulations Number 37 year 2004 regarding Bankruptcy and the Deferal of Obligation Payment Code and connect with responsibility of village head. The research conclusions show that: firstly, BUM Desa is initially a business entity without having the status as a legal entity, but during its development, it might have the status of a legal entity. Secondly, Supervisors can be responsible for bankruptcy of BUMDes if it is proven that their fault has caused BUMDes to go Bankruptcy.

The Joys and Challenges of Delivering Obesity Care: a Qualitative Study of US Primary Care Practices.

Obesity is of epidemic proportion in the USA but most people with obesity do not receive treatment. To explore the experience of providing obesity management among primary care clinicians and their team members involved with weight loss in primary care practices. The study's focus was on examining the use of the Medicare payment code for intensive behavioral therapy for obesity (IBT), but other obesity management services and payment mechanisms were also studied. We conducted 85 interviews of clinicians (physician, advanced practice clinicians, registered dietitian, or other) practicing in primary care practices. Interviews gathered information about treatment approach to obesity, barriers, and facilitators to providing obesity care including the handling of billing and reimbursement (especially use of the IBT code), personal beliefs about the appropriateness of primary care providing weight loss services, and recommendations for improving weight management in primary care practice. The analysis was conducted using a grounded theory hermeneutic editing approach and the constant comparative method. Seventy-five interviews were included in this analysis. We identified three primary themes: (1) clinicians and staff involved in obesity management in primary care believe that addressing obesity is an essential part of primary care services, (2) because providing obesity care can be challenging, many practices opt out of treatment, and (3) despite the challenges, many clinicians and others find treating obesity feasible, satisfying, and worthwhile. Treating obesity in primary care settings poses several challenges but can also be very satisfying and rewarding. To improve the ability of clinicians and practice members to treat obesity, important changes in payment, education, and work processes are necessary.

A Survey of Primary Care Practices on Their Use of the Intensive Behavioral Therapy for Obese Medicare Patients.

To fill the gap in knowledge on systematic differences between primary care practices (PCP) that do or do not provide intensive behavioral therapy (IBT) for obese Medicare patients. A mixed modality survey (paper and online) of primary care practices obtained from a random sample of Medicare databases and a convenience sample of practice-based research network practices. A total of 287 practices responded to the survey, including 140 (7.4% response rate) from the random sample and 147 (response rate not estimable) from the convenience sample. We found differences between the IBT-using and non-using practices in practice ownership, patient populations, and participation in Accountable Care Organizations. The non-IBT-using practices, though not billing for IBT, did offer some other assistance with obesity for their patients. Among those who had billed for IBT, but stopped billing, the most commonly cited reason was billing difficulties. Many providers experienced denied claims due to billing complexities. Although the Centers for Medicare and Medicaid Services established payment codes for PCPs to deliver IBT for obesity in 2011, very few providers submitted fee-for-service claims for these services after almost 10years. A survey completed by both a random and convenience sample of practices using and not using IBT for obesity payment codes revealed that billing for these services was problematic, and many providers that began using the codes discontinued using them over the past 7years.

Improving Payment for Collaborative Mental Health Care in Primary Care.

There is strong evidence supporting implementation of the Collaborative Care Model within primary care. Fee-for-service payment codes, published by Current Procedural Terminology in 2018, have made collaborative care separately reimbursable for the first time. These codes (ie, 99492-99494) reimburse for time spent per month by any member of the care team engaged in Collaborative Care, including behavioral care managers, primary care providers, and consulting psychiatrists. Time-based billing for these codes presents challenges for providers delivering Collaborative Care services. Based on experience from multiple health care organizations, we reflect on these challenges and provide suggestions for implementation and future refinement of the codes. Further refinements to the codes are encouraged, including moving from a calendar month to a 30-day reimbursement cycle. In addition, we recommend payers adopt the new code proposed by the Centers for Medicare and Medicaid Services to account for smaller increments of time.

Settling debts in the supply chain: do prompt payment codes make a difference A UK study

Trade credit has only recently been taken seriously by business ethicists, despite the common practice of slow payment of suppliers. In response, the UK has introduced a series of voluntary 'payment codes'. However, at the time to which our data relate, relatively few FTSE 100 companies had signed up. Furthermore, although signatories paid more quickly, the difference was not statistically significant. These two findings might appear to suggest that payment codes are ineffective. However, some companies claimed to be following a code which was defunct. Their payment speed was indistinguishable from non-signatories, but those that had signed the extant code paid significantly more quickly. Our findings not only suggest that a payment code might be effective but also show a result relevant to codes of ethics more generally - that there might be signs that a company is not taking a code seriously, which we identify with the notion of hypocrisy.

Supervisors Responsibility for Village-Owned Enterprise Bankruptcy

This research is about The unclear regulations related to the juridical construction of village-owned enterprises can certainly causing problems in the case of the Village-Owned Enterprises is unable to pay loan or other debts if they experience business losses. This research uses judicial normative research methodology since the research is aimed to evaluate the regulations found in the formal rules and regulations related to the Village Owned Enterprises (BUM Desa) and the company bankruptcy, namely Regulations Number 6 year 2014 regarding the Village and Regulations Number 37 year 2004 regarding Bankruptcy and the Deferral of Obligation Payment Code and connect with responsibility of village head. The research conclusions show that: firstly, BUM Desa is initially a business entity without having the status as a legal entity, but during its development, it might have the status of a legal entity. Secondly, Supervisors can be responsible for bankruptcy of BUM Desa if it is proven that their fault has caused BUM Desa to go bankrupt