Peran Inklusi Keuangan dan Pembayaran Digital (QRIS) terhadap Kinerja Keuangan UMKM

Micro, small, and medium enterprises (MSMEs) play a major role in Indonesia’s economy, yet their financial performance is still constrained by limited access to financial services, low financial literacy, and suboptimal use of technology. This study aims to analyze the role of financial inclusion and digital payments through the Quick Response Code Indonesian Standard (QRIS) in MSME financial performance. A qualitative systematic literature review was conducted following the PRISMA 2020 guidelines. Secondary data were collected from journal articles, books, and official reports published between 2016 and 2026, then analyzed using content analysis and thematic synthesis. The findings indicate that financial inclusion and digital payments are generally positively associated with MSME financial performance through lower transaction costs, wider market reach and sales, and better access to financing. However, evidence on QRIS remains inconsistent because it is shaped by how performance is measured, the extent of service use, and business owners’ financial and digital literacy. Therefore, expanding access should be accompanied by stronger literacy and productive use of transaction data. Future research is encouraged to test these relationships empirically using primary data.