The Effect of QRIS Use and Financial Literacy on the Income of Culinary MSMEs in Perum Citra Kebun Mas

ABSTRACT
The revenue of Micro, Small, and Medium Enterprises (MSMEs) at Perum Citra Kebun Mas can be better understood by examining the relationship between financial literacy and the use of the Indonesian Standard Quick Response Code (QRIS). This study employs an associative research design and quantitative methodology. Questionnaires were distributed to 93 MSME operators selected using a purposive sampling procedure to collect data. Multiple linear regression, assisted by SPSS version 2026, was used to analyze the data. Based on the data, it appears that financial literacy has a small but positive influence on MSME revenue, while the use of QRIS has a partially positive and statistically significant impact. Nevertheless, the F-test indicates that both financial literacy and QRIS adoption significantly influence MSME revenue positively. These results highlight the importance of financial literacy as an additional component when paired with digital payment technology, and the crucial role played by QRIS in increasing SME revenue. Policymakers and relevant stakeholders can use this study as a reference when developing digitally and financially inclusive SME empowerment programs. It is also expected to provide practical implications for SME operators in optimizing the use of QRIS and enhancing financial literacy practices in business management

Keywords: QRIS, Financial Literacy, MSME Income, Digital Payment System.