Mount Hope Economic Global Journal

BEYOND QRIS ADOPTION: CONVERTING DIGITAL PAYMENT ACCESS INTO SCALABLE MSME OUTCOMES IN INDONESIA

2026-10-13T14:54:31+07:00

This study examines whether the rapid expansion of Indonesia’s Quick Response Code Indonesian Standard (QRIS) has created the conditions required for micro, small, and medium enterprise (MSME) scalability. It integrates national indicators for 2020–2025, provincial merchant distribution as of 30 June 2025, quarterly consumer adoption, and QRIS transaction volume and value. A quantitative descriptive-correlational and policy-diagnostic design is employed using trend analysis, year-on-year growth rates, exploratory Pearson correlations, the Herfindahl-Hirschman Index, the Gini coefficient, and a provincial merchant-ecosystem typology.

The findings show that registered QRIS merchants increased from 13 million in 2020 to 43 million in 2025, while consumer users reached approximately 60 million by the fourth quarter of 2025. In the second quarter of 2025, QRIS processed 1.19 billion transactions worth Rp110 trillion, representing year-on-year growth of 141 percent in volume and 111 percent in value. Merchant expansion was strongly associated with MSME credit and financial literacy, although the short annual series and estimated 2025 MSME values preclude causal interpretation. Provincial adoption was also highly concentrated: the ten largest provincial networks accounted for 79.41 percent of merchants, with an HHI of approximately 1,048 and a Gini coefficient of 0.685.

The study contributes an access–usage–capability–scale framework that distinguishes merchant registration from productive digital empowerment. It concludes that QRIS provides essential payment infrastructure, but MSME scalability depends on active usage, financial-management capability, responsible financing, merchant protection, consent-based data governance, and regionally differentiated implementation.

DAMPAK PEMBANGUNAN DAN PENANGANAN ORANG DENGAN GANGGUAN JIWA (ODGJ) DI KABUPATEN KAIMANA PAPUA BARAT

2026-05-31T19:31:43+07:00

This study aims to analyze the relationship between regional development and the care of people with mental disorders (ODGJ) in Kaimana Regency within the dynamics of social change. The research used a qualitative approach with a case study design through participant observation, in-depth interviews, and literature review. The results indicate that development in Kaimana remains more focused on physical aspects and economic growth than on strengthening mental health services and social protection for vulnerable groups. The main problems identified include limited mental health services, a weak data collection system for people with mental disorders, a lack of cross-sectoral coordination, and a strong social stigma against people with mental disorders. Furthermore, modernization and changes in community lifestyles have weakened social solidarity within indigenous communities. Nevertheless, the values of mutual cooperation and local community social awareness remain important social capital in supporting community-based care for people with mental disorders. This study emphasizes the need for inclusive and humanistic development through strengthening mental health services, integrating cross-sectoral policies, and involving indigenous communities in a just social protection system.

THE INFLUENCE OF FINANCIAL LITERACY, LIFESTYLE, AND FINANCIAL TECHNOLOGY ON THE INVESTMENT DECISIONS OF GENERATION Z IN MEDAN SUNGGAL DISTRICT

2026-09-15T18:08:15+07:00

This study aims to analyze the influence of financial literacy, lifestyle, and financial technology on the investment decisions of Generation Z in Medan Sunggal District. Generation Z is a group that grew up in the digital era, and therefore exhibits more dynamic consumption patterns and financial behavior than previous generations. The study employs an associative quantitative approach using primary data from 100 respondents obtained through the Slovin technique. Data were analyzed using multiple linear regression with classical assumption tests. The results show that financial literacy (β = 0.472; sig. = 0.000), lifestyle (β = 0.229; sig. = 0.008), and financial technology (β = 0.242; sig. = 0.001) each have a positive and partially significant effect on investment decisions. Simultaneously, the three variables have a significant effect (F = 27.130; sig. = 0.000) with an Adjusted R² value of 0.442, meaning that 44.2% of the variation in investment decisions can be explained by the three variables, while the remaining 55.8% is explained by other variables outside the model.