UMKM Reactions to QRIS Payment Digitalization from the Perspective of Pancasila Values

Abstract

This study examines the reactions of micro, small, and medium enterprises (MSMEs) to the digitalization of payments through QRIS (Quick Response Code Indonesian Standard) using the perspective of Pancasila values. The results of the study indicate that some MSMEs responded positively due to the ease of transactions, increased business professionalism, and market expansion. However, there were also negative reactions in the form of cost constraints, limited digital literacy, and concerns about data security. Analysis based on the five principles of Pancasila emphasizes that digitalization must be carried out with ethics and honesty (the first principle), inclusiveness and civility (the second principle), strengthening national economic unity (the third principle), providing space for participation and deliberation for MSMEs (the fourth principle), and ensuring fair distribution of benefits (the fifth principle). Thus, digitalization of payments through QRIS is not only an instrument of economic modernization, but also a vehicle for realizing social justice and a spirit of nationalism in accordance with the ideals of Pancasila.