[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-seo-157704-105":3,"detail-sidebar-cat-0-en-105":81,"doc-detail-157704-en":130},{"code":4,"msg":5,"data":6},0,"ok",{"site_id":7,"language":8,"slug":9,"title":10,"keywords":11,"description":12,"schema_data":13,"social_meta":74,"head_meta":76,"extra_data":78,"updated_unix":80},105,"en","birev-business-and-investment-review-vol-1-no-3-2023","BIREV: Business and Investment Review - Vol. 1 No. 3 - 2023","","The SIAP QRIS program is a Bank Indonesia initiative designed to standardize QR code-based payments and unify fragmented QR systems. It targets higher transaction efficiency, faster digital financial inclusion, and support for MSMEs to promote economic growth in Indonesia. The research focuses on Pasar Badung, Denpasar City, examining issues from both program subjects (Bank Indonesia, government, Perumda Pasar Sewakadarma Pasar Badung, and BPD) and objects (traders and consumers). Descriptive qualitative methods using observation, interviews, and documentation evaluate effectiveness via five Sutrisno aspects, finding implementation not optimal due to limited compliance, low merchant awareness, continued cash use, obstacles, and missing achievement targets, blueprints, and motivation-building efforts.",{"@graph":14,"@context":73},[15,34,56],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/document/","Document",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/document/research-report/","Research & Report",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/document/birev-business-and-investment-review-vol-1-no-3-2023/157704/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/birev-business-and-investment-review-vol-1-no-3-2023/157704.png","ImageObject",300,407,{"name":42,"@type":43},"วิน","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-11-01","2026-08-29",true,{"@type":52,"interactionType":53,"userInteractionCount":55},"InteractionCounter",{"@type":54},"ViewAction",8,{"@type":57,"mainEntity":58},"FAQPage",[59,65,69],{"name":60,"@type":61,"acceptedAnswer":62},"What is the SIAP QRIS program intended to achieve?","Question",{"text":63,"@type":64},"SIAP QRIS is designed to standardize QR code-based payments, improve transaction efficiency, and accelerate digital financial inclusion while supporting MSMEs.","Answer",{"name":66,"@type":61,"acceptedAnswer":67},"Who are considered the program subjects and objects in the study?",{"text":68,"@type":64},"Program subjects include Bank Indonesia, the government, Perumda Pasar Sewakadarma Pasar Badung Unit, and BPD. Program objects include market traders and the public consumers.",{"name":70,"@type":61,"acceptedAnswer":71},"Why is the SIAP QRIS program in Pasar Badung judged as not optimal?",{"text":72,"@type":64},"Implementation is not aligned with the original goals, traders are not compelled to use QRIS, many merchants are unaware of the program, consumers continue using cash, and there are obstacles with no clear targets, blueprints, or motivation-building efforts.","https://schema.org",{"og:url":32,"og:type":75,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":77,"canonical":32},"index,follow",{"doc_id":79,"site_id":7},157704,1787987873,{"code":4,"msg":82,"data":83},"success",[84,88,92,96,101,106,111,114,119,122,126],{"id":22,"doc_module":4,"doc_module_name":25,"category_name":85,"show_sort_weight":86,"slug":87},"Story & Novel",90,"story-novel",{"id":26,"doc_module":4,"doc_module_name":25,"category_name":89,"show_sort_weight":90,"slug":91},"Literature",80,"literature",{"id":33,"doc_module":4,"doc_module_name":25,"category_name":93,"show_sort_weight":94,"slug":95},"Exam",70,"exam",{"id":97,"doc_module":4,"doc_module_name":25,"category_name":98,"show_sort_weight":99,"slug":100},5,"Comic",60,"comic",{"id":102,"doc_module":4,"doc_module_name":25,"category_name":103,"show_sort_weight":104,"slug":105},6,"Technology",50,"technology",{"id":107,"doc_module":4,"doc_module_name":25,"category_name":108,"show_sort_weight":109,"slug":110},7,"Healthcare",40,"healthcare",{"id":55,"doc_module":4,"doc_module_name":25,"category_name":29,"show_sort_weight":112,"slug":113},30,"research-report",{"id":115,"doc_module":4,"doc_module_name":25,"category_name":116,"show_sort_weight":117,"slug":118},9,"Religion & Spirituality",20,"religion-spirituality",{"id":117,"doc_module":4,"doc_module_name":25,"category_name":120,"show_sort_weight":117,"slug":121},"World Cup","world-cup",{"id":123,"doc_module":4,"doc_module_name":25,"category_name":124,"show_sort_weight":123,"slug":125},10,"Lifestyle","lifestyle",{"id":127,"doc_module":4,"doc_module_name":25,"category_name":128,"show_sort_weight":97,"slug":129},19,"General","general",{"code":4,"msg":82,"data":131},{"doc_id":79,"user_id":132,"nickname":42,"user_avatar":133,"doc_module":4,"category_id":55,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":55,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":139,"language":140,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":12,"update_tm":80,"read_time":109,"preview_page_count":4},2336475104736,"https://ap-avatar.wpscdn.com/avatar/22000c4c5e0e5b17e70?x-image-process=image/resize,m_fixed,w_180,h_180&k=1786591360781797222","BIREV: Business and Investment Review Vol. 1 No.3 2023 ISSN 2986-7347 (Online)  \n[https://lgdpublishing.org/index.php/birev](https://lgdpublishing.org/index.php/birev)  \nEfektivitas Program SIAP (Sehat, Inovatif, Aman, Pakai) Quick Response Code Indonesian Standard (QRIS) untuk Mendukung Inklusi Keuangan Digital di Pasar Badung, Kota Denpasar  \nPutu Sartini 1), I Putu Dharmanu Yudharta2), Putu Eka Purnamaningsih3)  \n1,2,3)Fakultas Ilmu Sosial dan Ilmu Politik Universitas Udayana  \nAbstract  \nThe SIAP QRIS program is a Bank Indonesia program to standardize a QR code-based payment system, which originally came from different QR codes. The SIAP QRIS program aims to encourage transaction efficiency, accelerate digital financial inclusion, advance MSMEs which can ultimately drive economic growth for developed Indonesia. The researcher limited this research to Pasar Badung, Denpasar City. In its implementation, there are still problems originating from program subjects, namely Bank Indonesia, the government, Perumda PasarSewakadarmaPasar Badung Unit, and BPD. As well as program objects, namely market traders who have not and have used QRIS and the public (consumers). The purpose of this research is to obtain empirical evidence regarding the effectiveness of the SIAP QRIS program so as to be able to improve or enhance strategies and programs in deploying QRIS. This study uses descriptive qualitative methods with data collection techniques in the form of observation, interviews, and documentation. The results of related research were analyzed using five aspects according to Sutrisno, namely program understanding, right on target, on time, goal achievement, and real changes which show that the SIAP QRIS program in Pasar Badung is not optimal because its application is not in accordance with the original purpose, there is no courage to oblige traders using QRIS, merchants who are not aware of the existence of the program, the public (consumers) continue to use cash payments, not all merchants use QRIS, many perceived obstacles/obstacles, no merchant achievement targets, no blueprints, and no program to increase interest or motivation  \nKeywords: Program Effectiveness, SIAP QRIS Program, Pasar Badung  \nCorresponding author: Putu Sartini ([p](putusartini1611@gmail.com)[utusartini1611@gmail.com](putusartini1611@gmail.com))  \nPendahuluan  \nLatar Belakang  \nEra modern seperti saat ini, pemakaian alat pembayaran tunai dengan uang kartal cenderung lebihkecil dibandingkan uang giral jika mempertimbangkan efisiensi. E-payment yang merupakan sistem pembayaran menggunakan media internet sebagai komunikasi sudah banyak digunakan perusahaandalam menyediakan pihak penjual dan pembeli dengan memberikan jaminan keamanan transaksielektronik (Mulyana & Wijaya, 2018) . Oleh karena itu, munculah e-wallet atau lebih dikenal dengansebutan dompet elektronik yang mana memungkinkan para pengguna (user) untuk melakukan  \nBIREV: Business and Investment Review Vol. 1 No.3 2023 ISSN 2986-7347 (Online)  \n[https://lgdpublishing.org/index.php/birev](https://lgdpublishing.org/index.php/birev)  \nberbagai transaksi dan berfungsi hampir sama seperti dompet fisik. Mulanya, e-wallet popular di kalangan masyarakat dikarenakan kegunaannya untuk menyimpan uang secara elektronik tetapi seiring berjalannya waktu berkembang digunakan sebagai alat transaksi dan penyimpan informasidalam berbelanja online. Sejalan dengan kebermanfaatan pembayaran nontunai bagi masyarakat, Bank Indonesia akhirnya berinovasi dalam memperbaiki sistem pembayaran nontunai. Sistem pembayaran nontunai yang masif berkembang di masyarakat saat ini yaitu scan QR code. Dahulu untuk membaca kode QR diperlukan aplikasi khusus, tetapi seiring dengan berkembangnya teknologi yang semakin canggih, saat ini cukup hanya menggunakan kamera handphone maka informasi langsung muncul. Sistem pembayaran yang berkembang di Indonesia dengan menggunakan kode QR bersumber dari kode QR yang berbeda-beda, berangkat dari permasala","cbCailjQ5BjWZU0o","https://ap.wps.com/l/cbCailjQ5BjWZU0o","pdf",293896,16,"English","# Pendahuluan\n## Latar Belakang\n## Metode Penelitian\n## Hasil dan Pembahasan\n## Kesimpulan dan Saran","[{\"question\":\"What is the SIAP QRIS program intended to achieve?\",\"answer\":\"SIAP QRIS is designed to standardize QR code-based payments, improve transaction efficiency, and accelerate digital financial inclusion while supporting MSMEs.\"},{\"question\":\"Who are considered the program subjects and objects in the study?\",\"answer\":\"Program subjects include Bank Indonesia, the government, Perumda Pasar Sewakadarma Pasar Badung Unit, and BPD. Program objects include market traders and the public consumers.\"},{\"question\":\"Why is the SIAP QRIS program in Pasar Badung judged as not optimal?\",\"answer\":\"Implementation is not aligned with the original goals, traders are not compelled to use QRIS, many merchants are unaware of the program, consumers continue using cash, and there are obstacles with no clear targets, blueprints, or motivation-building efforts.\"}]","BIREV: Business and Investment Review - Vol. 1 No. 3 - 2023 | PDF"]