Pemberdayaan Partisipatif UMKM Dalam Adopsi Sistem Pembayaran Digital: Studi Kasus di Kawasan Wisata Loang Baloq

Abstract

Although digital-based payment systems offer significant efficiency, their adoption among Micro, Small, and Medium Enterprises (MSMEs) in tourist areas is still hampered by challenges in digital literacy and perceived relevance. The problem identified among MSMEs in the Taman Loang Baloq Tourism Village, Mataram, is not just a technical gap, but a lack of ownership over the proposed digital solutions. This Community Service (PKM) activity aims to facilitate the adoption of digital payments through a community-centered empowerment approach. The method used is Participatory Rural Appraisal (PRA), which positions MSME actors as active subjects in identifying problems, exploring solutions, and implementing technology. The program's impact was evaluated qualitatively by referencing the JISC digital capabilities framework. The results of this participatory process show an organic improvement in partner capabilities: (1) Increased ICT Proficiency through facilitated peer-to-peer learning; (2) Development of Information, Data, and Media Literacy as partners collectively discovered the benefits of digital transaction records for sales recapitulation; and (3) Strengthened Digital Identity and Wellbeing due to a more modern business image and a sense of security from the risks of cash transactions. This program confirms that a bottom-up PRA approach is more effective in building sustainable technology adoption because the resulting solutions are rooted in real needs and are owned by the community itself.