The Role of Digital Payment Adoption (QRIS) and Financial Inclusion in Enhancing the Financial Performance of Micro Enterprises in Cirebon City

Background: MSMEs contribute significantly to Indonesia’s economy, yet many still face limited financial access and low digital literacy. QRIS was introduced to support digital payments and financial inclusion, but its impact on MSME financial performance remains unclear. Objective: This study seeks to examine how financial inclusion and digital payment adoption (QRIS) may enhance the financial performance of microenterprises in Cirebon City. The phenomena of economic digitization and the releva