{"id":18561,"date":"2025-05-08T05:34:05","date_gmt":"2025-05-07T22:34:05","guid":{"rendered":"https:\/\/businessupdate.id\/?p=18561"},"modified":"2025-05-08T05:34:07","modified_gmt":"2025-05-07T22:34:07","slug":"kuartal-i-2025-sebanyak-381-juta-umkm-gunakan-qris","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=18561","title":{"rendered":"Kuartal I\/2025 Sebanyak 38,1 Juta UMKM Gunakan QRIS"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> Bank Indonesia (BI) menyampaikan bahwa 38,1 juta pelaku UMKM menggunakan Quick Response Code Indonesian Standard (QRIS) untuk menerima pembayaran per triwulan I\/2025.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cHingga triwulan I 2025 pengguna QRIS Alhamdulillah sudah mencapai 56,3 juta dengan volume mencapai 2,6 miliar transaksi dan merchant QRIS ini sebagian besar adalah UMKM sebanyak 38,1 juta,\u201d kata Sri Noerhidajati, Deputi Direktur Departemen Ekonomi Keuangan Inklusif dan Hijau Bank Indonesia (BI), di Jakarta, Rabu (7\/5\/2025).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ia menyatakan bahwa digitalisasi merupakan kunci transformasi usaha mikro, kecil dan menengah (UMKM) untuk dapat meningkatkan daya saing dan ketahanan usaha, karena di tengah perubahan zaman yang begitu cepat UMKM tidak dapat berusaha dengan cara-cara yang lama.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Penggunaan teknologi, mulai dari pemasaran daring hingga sistem pembayaran, telah terbukti meningkatkan efisiensi, memperluas jangkauan pasar, dan membuka peluang baru untuk pertumbuhan usaha.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cPerluasan akses keuangan digital memperkuat inklusi ekonomi dan keuangan bagi pelaku UMKM. Melalui inovasi seperti QRIS, UMKM memperoleh kemudahan dalam bertransaksi dan masuk ke dalam sistem keuangan nasional. Dengan QRIS ini, transaksi UMKM yang terjadi dapat tercatat secara digital dan terstruktur,\u201d ujarnya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menurut Sri Noerhidajati, data transaksi yang terekam secara digital tersebut dapat berperan sebagai <em>track record<\/em> bagi bank untuk melihat bagaimana arus kas (cash flow) sehari-hari dari UMKM.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Data tersebut dapat menjadi acuan bagi bank maupun lembaga pembiayaan lainnya untuk menilai kelayakan kredit UMKM karena data tersebut bersifat kredibel dan <em>real-time<\/em>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pihaknya juga mendorong perluasan inklusi ekonomi dan keuangan UMKM melalui inovasi sistem pembayaran digital QRIS Tap yang baru diluncurkan pada Maret 2025 lalu. \u201cSaat ini (QRIS Tap) masih diimplementasikan di beberapa merchant saja gitu ya. Nanti ke depan akan diperluas lagi,\u201d katanya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selain melalui inovasi teknologi digital, Sri Noerhidajati menuturkan bahwa Bank Indonesia juga mendukung peningkatan inklusi keuangan UMKM melalui kemudahan akses pembiayaan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Salah satunya adalah melalui pemberian Insentif Likuiditas Makroprudensial (KLM) kepada bank yang berhasil mencapai target Rasio Pembiayaan Inklusif Makroprudensial (RPIM) minimal 5 persen.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ia menyampaikan bahwa bank yang mampu memenuhi target pembiayaan UMKM juga akan mendapatkan insentif berupa pengurangan kewajiban giro wajib minimum.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Upaya tersebut dilakukan untuk meningkatkan tingkat kredit UMKM yang pada Maret 2025 hanya tumbuh 1,95% secara tahunan (yoy), jauh lebih rendah dibandingkan masa pandemi yang dapat mencapai 10% yoy. \u201cDengan kebijakan ini diharapkan menjadi insentif bagi bank untuk mau menyalurkan kredit ke UMKM,\u201d tutup Sri Noerhidajati. (pa\/jh)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; Bank Indonesia (BI) menyampaikan bahwa 38,1 juta pelaku UMKM menggunakan Quick Response Code Indonesian Standard (QRIS) untuk menerima pembayaran per triwulan I\/2025. \u201cHingga triwulan I 2025 pengguna QRIS Alhamdulillah sudah mencapai 56,3 juta dengan volume mencapai 2,6 miliar transaksi dan merchant QRIS ini sebagian besar adalah UMKM sebanyak 38,1 juta,\u201d kata Sri Noerhidajati, [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":17849,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46,48],"tags":[426,276,325,902,726,137],"class_list":["post-18561","post","type-post","status-publish","format-standard","has-post-thumbnail","category-economic","category-finance","tag-bank","tag-digital","tag-indonesia","tag-pembayaran","tag-qris","tag-umkm"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kuartal I\/2025 Sebanyak 38,1 Juta UMKM Gunakan QRIS - Businessupdate.id<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessupdate.id\/?p=18561\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kuartal I\/2025 Sebanyak 38,1 Juta UMKM Gunakan QRIS - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; Bank Indonesia (BI) menyampaikan bahwa 38,1 juta pelaku UMKM menggunakan Quick Response Code Indonesian Standard (QRIS) untuk menerima pembayaran per triwulan I\/2025. \u201cHingga triwulan I 2025 pengguna QRIS Alhamdulillah sudah mencapai 56,3 juta dengan volume mencapai 2,6 miliar transaksi dan merchant QRIS ini sebagian besar adalah UMKM sebanyak 38,1 juta,\u201d kata Sri Noerhidajati, [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=18561\" \/>\n<meta property=\"og:site_name\" content=\"Businessupdate.id\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=100088795961927\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-07T22:34:05+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-05-07T22:34:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2025\/03\/BANK-MANDIRI-QRIS-e1742776097457.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"758\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Premieri A\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:site\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Premieri A\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/businessupdate.id\/?p=18561\",\"url\":\"https:\/\/businessupdate.id\/?p=18561\",\"name\":\"Kuartal I\/2025 Sebanyak 38,1 Juta UMKM Gunakan QRIS - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2025-05-07T22:34:05+00:00\",\"dateModified\":\"2025-05-07T22:34:07+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/39a407b879699c9dfc68b893045cd07e\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=18561#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=18561\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=18561#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Kuartal I\/2025 Sebanyak 38,1 Juta UMKM Gunakan QRIS\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/businessupdate.id\/#website\",\"url\":\"https:\/\/businessupdate.id\/\",\"name\":\"Businessupdate.id\",\"description\":\" \",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/businessupdate.id\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/39a407b879699c9dfc68b893045cd07e\",\"name\":\"Premieri A\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/6ef707773e9166331976e40c3975862c82a2bdf65aa2185282dd7c4be2a1c87e?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/6ef707773e9166331976e40c3975862c82a2bdf65aa2185282dd7c4be2a1c87e?s=96&d=mm&r=g\",\"caption\":\"Premieri A\"},\"sameAs\":[\"http:\/\/businessupdate.id\"],\"url\":\"https:\/\/businessupdate.id\/?author=5\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Kuartal I\/2025 Sebanyak 38,1 Juta UMKM Gunakan QRIS - Businessupdate.id","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/businessupdate.id\/?p=18561","og_locale":"en_US","og_type":"article","og_title":"Kuartal I\/2025 Sebanyak 38,1 Juta UMKM Gunakan QRIS - Businessupdate.id","og_description":"BusinessUpdate &#8211; 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