The Impact of QRIS Payment Usage on Business Income Growth in MSMEs
DOI:
https://doi.org/10.51903/kompak.v17i2.2178Kata Kunci:
Quick Response Code Indonesian Standard (QRIS), Micro, Small and Medium Enterprises (MSMEs), Technology Acceptance Model (TAM) and business revenueAbstrak
This study aims to examine the effect of the implementation of the Quick Response Code Indonesian Standard (QRIS) in increasing business income, especially for Micro, Small and Medium Enterprises (MSMEs) using the Technology Acceptance Model (TAM) approach. The method used in this study is a descriptive quantitative approach, which aims to provide an overview of the QR Code implementation. The population in this study involved MSME owners, with a sample taken from 100 respondents through non-probability sampling techniques. Data collection was done through questionnaires. Data analysis includes testing research instruments to assess data quality (validity and reliability), classical assumption test (normality), as well as multiple linear regression analysis and hypothesis testing (t test and F test). The results show that QRIS implementation and user satisfaction have a significant influence on increasing MSME income, which supports TAM theory regarding the importance of perceived usefulness and perceived ease of use in technology acceptance. However, other variables, such as QRIS usage literacy, convenience of use, and QRIS service price, did not show a significant influence on MSME income. Simultaneously, these factors still have an effect on MSME income, although with different variations in influence.
Referensi
Adnyasuari, P. A., & Darma, G. S. (2017, September). Technology Acceptance Model and E-Satisfaction in Mobile Banking. Jurnal Manajemen dan Bisnis, 14, 1-12.
Alifia, N., Permana, E., & Harnovinsah. (2024). Analisis Penggunaan QRIS Terhadap Peningkatan Pendapatan UMKM. Jurnal Riset Pendidikan Ekonomi (JRPE), 9, 102-115.
Arianti, N. L., Darma, G. S., & Mahyuni, L. P. (2019, April). Menakar Keraguan Penggunaan QR Code Dalam Transaksi Bisnis. Jurnal Manajemen dan Bisnis, 16, 67-78.
Fahrudin, & Isnaini, P. L. (2023). Pengaruh Penggunaan Quick Response Code Indonesian Standard (QRIS) Oleh UMKM Terhadap Pendapatan Usaha. Jurnal Manajemen Strategi dan Simulasi Bisnis (JMASSBI), 4, 1-11.
Hairani, F., Damanik, R., Budhi, A. F., Pristiwanda, D., Rizki L, A. P., & Nasution, D. P. (2024, Januari 3). Pengaruh Penggunaan QRIS Untuk Meningkatkan Efektifitas dan Efisien Pembayaran UMKM Di Meda. Jurnal Ekonomi Manajemen Dan Bisnis, 1. doi:https://doi.org/10.62017/jemb
Hidayat, M. T., Aini, Q., & Fetrina, E. (2020, Agustus). Penerimaan Pengguna E-Wallet Menggunakan UTAUT 2 (Studi Kasus)-(User Acceptance of E-Wallet Using UTAUT 2 – A Case Study). Jurnal Nasional Teknik Elektro dan Teknologi Informasi, 3, 239-247.
Lyani, A., Wismayanti, K. W., & Yudartha, I. D. (2023, Maret 1). Efektivitas Program Quick Response Indonesia Standard (QRIS) Dalam Meningkatkan Akuntabilitas Pengelolaan Dana Punia Pura Dang Khayangan Petitenget. Jurnal Harian Regional, 2, 260-273. Diambil kembali dari https://jurnal.harianregional.com/citizen/id-98746
Mayanti, R. (2020). Faktor-Faktor Yang Memengaruhi Penerimaan User Terhadap Quick Response Indonesia Standard Sebagai Teknologi Pembayaran Pada Dompet Digital. Jurnal Ilmiah Ekonomi Bisnis, 25, 123-135. doi:https://doi.org/10.35760/eb.2020.v25i2.2413
Mukarromah, A., & Amelya, D. L. (2024, Oktober 21). Analisis Perbedaan Omset Penjualan UMKM Sebelum Dan Sesudah Menggunakan QRIS Di Semarang. Jurnal Ekonomi, Manajemen dan Akuntansi, 3, 585-593.
Nurhaliza, F., Putri, S. N., Atika, M., & Nofirda, F. A. (2023). Analisis Dampak Pengaruh Qris Terhadap Transaksi Bisnis Digital. Jurnal Pendidikan Tambusai, 7, 30465-30468.
Pratiwi, L. A., Ningsih, N. A., Amaliah, F., & Intan, T. S. (2024, Juni). Analisis Pengaruh Penggunaan Pembayaran Digital QRIS Terhadap Kenaikan Omset Penjualan Pada UMKM. Jurnal Bisnis Kolega, 10, 12-23. doi:https://doi.org/10.57249/jbk
Riantika, N. K., & Ayuningsasi, A. K. (2024, Juli 16). Pengaruh Modal, Penggunaan QRIS, Dan Media Sosial Terhadap Pendapatan Usaha Mikro Bidang Fashion Di Kota Denpasar. Jurnal Review Pendidikan dan Pengajaran, 7, 10263-10274.
Saputra, R. A. (2022). Pengaruh Pemanfaatan, Kegunaan Penggunaan QRIS Terhadap Kepuasan Customer UMKM di Kota Pontianak. Seminar Nasional Corisindo, 492-497.
Sihaloho, J. E., Ramadani, A., & Rahmayanti, S. (2020, April). Implementasi Sistem Pembayaran Quick Response Indonesia Standard Bagi Perkembangan UMKM di Medan. Jurnal Manajemen Bisnis, 17, 287-297.
Siswoyo, A., & Irianto, B. S. (2023, April). Analisis Technology Acceptance Model (TAM) Terhadap Pengguna Aplikasi Mobile Banking. Owner: Riset & Jurnal Akuntansi, 7, 1196-1205. doi:https://doi.org/10.33395/owner.v7i2.1440
Venkatesh, V., Thong, J. Y., & Xu, X. (2012). Consumer Acceptance And Use Of Information Technology: Extending The Unified Theory Of Acceptance And Use Of Technology. Forthcoming in MIS Quarterly, 36, 157-178.
.png)
