Optimalisasi Fitur Qris Dalam Mempermudah Akses Permodalan (Studi Komparatif CF Spinjam)
DOI:
https://doi.org/10.26740/jekobi.v8n2.p113-123Keywords:
QRIS, Digital Fianance, E-Commerce, MSME’sAbstract
Asymmetric information and the absence of neatly recorded business financial reports are still problems that often haunt MSME-scale business actors in gaining access to capital from banking-based financial institutions. This study aims to determine whether the role of QRIS can make it easier for MSME actors to access financing at banks by using a comparative study on SPinjam. This type of research is qualitative, with a comparative study approach on the online loan service provider SPinjam. The results of this study indicate that the QRIS application can be optimized like CF SPinjam which facilitates access to financing for MSMEs. According to SPinjam, the active history of user buying and selling transactions while in the marketplace is very helpful in assessing aspects of capacity and character. Through this comparative study, it was also found that the assessment pattern carried out by SPinjam is a single pattern carried out online. Meanwhile, the QRIS organizing bank has the potential to carry out a double assessment, namely: online and offline so that in terms of risk it is much safer than SPinjam.
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