Analysis of the Use of Digital Payments in MSMEs as an Effort to Increase Income in the Genteng Coffee Tourism Village
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Abstract
This research was conducted in the Genteng Coffee Tourism Village, located in Sukasari District, Sumedang Regency, to analyze how digital payments are utilized by MSMEs based on digitalization value indicators and current conditions. The study also explores the impact of digital payment adoption on increasing business income. Using a quantitative descriptive method, the findings show that MSMEs demonstrate a high level of awareness, with 94% of respondents understanding the importance of digital payments in business transactions. This awareness is closely related to factors such as efficiency, security, ease of use, and the perceived benefits offered by digital payment systems, which support MSME growth and operational development. However, the actual implementation remains low—63.33% of MSMEs in the area do not yet use digital payment platforms in their transactions. This aligns with national data from the Ministry of Communication and Information indicating that Indonesia's digital society index remains relatively low. Furthermore, 36% of MSMEs that have adopted digital payment systems reported a consistent increase in monthly revenue, highlighting the potential of digital financial tools to support income growth in rural MSME sectors.
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