Alignment between the Obligation to Accept Rupiah in Cash as a Legal Means of Payment and the use of Digital Payment Technology in Msmes in Lebakgede Village, Coblong District, Bandung City

Abstract

Currently, cash payments are often no longer possible at some merchants. On the other hand, the use of digital payment technology also needs to be optimized. Based on this, it is necessary to review how to align the implementation of the obligation to accept Rupiah as legal tender and the use of digital payment technology among MSMEs in Lebakgede Village, Coblong District, Bandung City. This study employs an empirical legal method, using a qualitative approach through interviews, field observations, and a literature review. It found that, despite the increasing adoption of digital payments such as QRIS and e-wallets, the majority of MSMEs still rely on cash payments to support daily cash flow, due to limited digital literacy. All MSMEs comply with the legal obligation to accept Rupiah, but their understanding of legal sanctions is not uniform. The results of the study indicate that integrating digital and cash payment systems goes hand in hand with meeting economic needs and complying with the law. Education, training, administrative fee subsidies, and policy dissemination are needed so that MSMEs can adapt optimally without neglecting consumer rights and the sovereignty of the Rupiah. The main recommendation is for the government and MSMEs to collaborate on ongoing mentoring and on improving digital infrastructure to accelerate fair and sustainable financial inclusion.