The Influence of Perceived Benefits, Perceived Ease of Use, And Perceived Risk on MSME Decisions in Using QRIS as a Digital Payment System in Surakarta
Abstract
The purpose of this study is to ascertain how MSMEs engaged in batik artisan business in Surakarta decide whether to adopt QRIS (Quick Response Code Indonesian Standard) as a digital payment method, based on their perceptions of the advantages, convenience, and risk. The study used a correlational design with a quantitative approach. This study uses primary data that was gathered from 100 batik artisan MSME owners utilizing a four-point Likert scale questionnaire. SEM-PLS (Structural Equation Model-Partial Least Square) was used for data analysis. The findings show that MSME decisions to use QRIS are significantly influenced by perceived benefits and convenience. This shows that MSMEs feel the benefits, convenience, and benefits of using QRIS. Meanwhile, risk perception does not have a significant effect. This shows that the decision to use QRIS is not influenced by risk perception. Thus, the findings of this study offer an understanding of the elements that affect the adoption of QRIS and form the basis for further security and education improvements regarding the adoption of QRIS as a digital payment system among MSMEs.
Downloads
References
AlNuaimi, B. K., Khan, M., & Ajmal, M. M. (2021). The role of big data analytics capabilities in greening e-procurement: A higher-order PLS-SEM analysis. Technological Forecasting and Social Change, 169(May), 120808. https://doi.org/10.1016/j.techfore.2021.120808
Alshutwi, S. M., Ahmad, A. C., & Lee, L. W. (2020). Arabic Version of Hearing Impairment of Teachers Job Satisfaction: Validation of Measurement Instrument Using Partial Least Square. Universal Journal of Educational Research, 8(12A), 7957–7973. https://doi.org/10.13189/ujer.2020.082584
Ananto, N., Walean, R. H., & Lumingkewas, C. F. (2022). Konsep dan Terapan Analisis SEM PLS dengan SmartPLS 3.0 (1 (ed.)). Solok: Mitra Cendekia Media.
Aryza, S., & Lubis, Z. (2023). Transaksi Payment Gateaway Berbasis Qris Pada Umkm Di Kota Medan. 21, 279–284.
Azizah, N., Handayani, P. W., & Azzahro, F. (2018). Factors Influencing Continuance Usage of Mobile Wallets in Indonesia. Proceedings of 2018 International Conference on Information Management and Technology, ICIMTech 2018, September, 92–97. https://doi.org/10.1109/ICIMTech.2018.8528157
Balitbangda. (2023). Kajian Digitalisasi IKM & UMKM Kota Sur. In Policy Brief. https://kebijakankesehatanindonesia.net/images/2019/policy_brief_wujudkan_keadilan_sosial_dalam_jkn.pdf
Belanche, D., Guinalíu, M., & Albás, P. (2022). Customer adoption of p2p mobile payment systems: The role of perceived risk. Telematics and Informatics, 72(January 2022). https://doi.org/10.1016/j.tele.2022.101851
Buwana, M. A. L., & Nursyamsiah, S. (2018). Analisis Implementasi Inovasi Terbuka : Peran Kerjasama Eksternal terhadap Inovasi Produk dan Kinerja Perusahaan (Studi Empiris pada Usaha Kecil dan Menengah (UKM) Batik di Yogyakarta). Jurnal Manajemen Dan Bisnis Indonesia, 6(1), 45–64. https://doi.org/10.31843/jmbi.v6i1.182
Cakranegara, P. A., Zuana, M. M. M., Sestri, E., Surahman, B., & Kurniawansyah, K. (2022). IMPLEMENTATION OF THE E-COMMERCE PLATFORM TO IMPROVE TECHNOLOGY ADAPTATION IN MSMES. Jurnal Ekonomi, 11(03), 1713–1719. Retrieved from https://ejournal.seaninstitute.or.id/index.php/Ekonomi/article/view/968
Darma, I. G. P. G. W. W., & Devi, S. (2022). Pengaruh Persepsi Manfaat, Persepsi Kemudahan, dan Norma Subjektif Terhadap Minat Penggunaan E-Wallet di Masa New Normal (Studi Pada Pengguna E-Wallet di Kota Denpasar). Ilmiah Mahasiswa Akuntansi, 13(04), 1422–1433.
Fauziyah, L., & Prajawati, M. I. (2023). Persepsi dan Risiko QRIS sebagai Alat Transaksi Bagi UMKM. Ekonomis: Journal of Economics and Business, 7(2), 1159–1164. https://doi.org/10.33087/ekonomis.v7i2.987
Gao, L., Waechter, K. A., & Bai, X. (2015). Understanding consumers’ continuance intention towards mobile purchase: A theoretical framework and empirical study - A case of China. Computers in Human Behavior, 53, 249–262. https://doi.org/10.1016/j.chb.2015.07.014
Glavee-Geo, R., Shaikh, A. A., Karjaluoto, H., & Hinson, R. E. (2020). Drivers and outcomes of consumer engagement: Insights from mobile money usage in Ghana. International Journal of Bank Marketing, 38(1), 1–20. https://doi.org/10.1108/IJBM-01-2019-0007
Hamid, R. S., & Anwar, S. M. (2019). STRUCTURAL EQUATION MODELING (SEM) BERBASIS VARIAN: Konsep Dasar dan Aplikasi dengan Program SmartPLS 3.2.8 dalam Riset Bisnis (M. S. Abiratno, Sofa Nurdiyanti, Dra. Annis Diniati Raksanagara (ed.); Cetakan 1). PT Inkubator Penulis Indonesia.
Haryati, D. (2021). Fenomena Cashless Society Pada Generasi Milenial dalam Menghadapi COVID-19. Business Innovation and Entrepreneurship Journal, 3(1), 32–37. https://doi.org/10.35899/biej.v3i1.202
Hernando Hendrick. (2017). Faktor Pendukung Transaksi Mobile Banking. Benefit: Jurnal Manajemen Dan Bisnis, 2(2), 169–174. https://doi.org/https://doi.org/10.23917/benefit.v2i2.4290
Husrizal, D. (2022). Research in Business & Social Science Understanding the technology acceptance model in the QRIS usage : Evidence from SMEs in Indonesia. 11(6), 12–19.
Isbahi, M. B., Zuana, M. M. M. ., & Mariana, E. R. . (2022). The Technology Strategy in Website Communication Media in Improving Business Activities. Majapahit Journal of Islamic Finance and Management, 1(2), 126–138. https://doi.org/10.31538/mjifm.v1i2.17
Lee, I., & Shin, Y. J. (2018). Fintech: Ecosystem, business models, investment decisions, and challenges. Business Horizons, 61(1), 35–46. https://doi.org/10.1016/j.bushor.2017.09.003
Ma’ruf, M., Nugroho, S. P., & Veno, A. (2017). Pengukuran Daya Saing Klaster Batik, Konveksi dan Mebel Di Kabupaten Sragen. Benefit: Jurnal Manajemen Dan Bisnis, 2(1), 62. https://doi.org/10.23917/benefit.v2i1.4172
Mahyuni, L. P., & Setiawan, I. W. A. (2021). Bagaimana QRIS menarik minat UMKM? Sebuah model untuk memahani intensi UMKM menggunakan QRIS. Forum Ekonomi, 23(4), 735–747. https://doi.org/10.30872/jfor.v23i4.10158
Ming, K. L. Y., & Jais, M. (2022). Factors Affecting the Intention to Use E-Wallets During the COVID-19 Pandemic. Gadjah Mada International Journal of Business, 24(1), 82–100. https://doi.org/10.22146/gamaijb.64708
Mustofa, R. H., & Maula, P. I. (2023). Factors Influencing the Adoption of QRIS Use Faktor yang Berpengaruh pada Adopsi Penggunaan QRIS. Management Studies and Entrepreneurship Journal, 4(5), 6714–6726. http://journal.yrpipku.com/index.php/msej
Myslimi, G. (2015). Impact of SMEs in economic growth in Albania. European Journal of Sustainable Development, 5(3), 151–158. https://doi.org/10.14207/ejsd.2016.v5n3p151
Nadiah, M., Ferichani, M., & Setyowati, N. (2017). Analisis Pengaruh Faktor Bauran Pemasaran (Marketing Mix) terhadap Keputusan Pembelian Teh Tong Tji Siap Minum di Pasar Swalayan Kota Surakarta. Agrista, 5(3), 212–221.
Najib, M., & Fahma, F. (2020). Investigating the adoption of digital payment system through an extended technology acceptance model: An insight from the Indonesian small and medium enterprises. International Journal on Advanced Science, Engineering and Information Technology, 10(4), 1702–1708. https://doi.org/10.18517/ijaseit.10.4.11616
Nasution, M. I., Fahmi, M., Jufrizen, Muslih, & Prayogi, M. A. (2020). The Quality of Small and Medium Enterprises Performance Using the Structural Equation Model-Part Least Square (SEM-PLS). Journal of Physics: Conference Series, 1477(5), 1–8. https://doi.org/10.1088/1742-6596/1477/5/052052
Niankara, I. (2023). The impact of financial inclusion on digital payment solution uptake within the Gulf Cooperation Council Economies. International Journal of Innovation Studies, 7(1), 1–17. https://doi.org/10.1016/j.ijis.2022.09.004
Ningsih, H. A., Sasmita, E. M., & Sari, B. (2021). Persepsi Risiko Terhadap Keputusan Menggunakan Uang Elektronik ( QRIS ) Pada Mahasiswa. Jurnal IKRA-ITH Ekonomika, 4(1), 1–9.
Ozili, P. K. (2018). Impact of digital finance on financial inclusion and stability. Borsa Istanbul Review, 18(4), 329–340. https://doi.org/10.1016/j.bir.2017.12.003
Parastiti, D. E., L, M., & Haryono, A. (2015). Analisis Penggunaan Uang Elektronik Pada Mahasiswa Fakultas Ekonomi Universitas Negeri Malang (Studi Kasus: Uang Elektronik BRIZZI). Jurnal Ekonomi Dan Studi Pembangunan, 7 (1), 75–82.
Pospos, A. F. F. (2022). Sosialisasi dan Edukasi dalam Rangka Peningkatan Literasi Keuangan Non Tunai. BERNAS: Jurnal Pengabdian Kepada Masyarakat, 3(4), 686–693. https://doi.org/10.31949/jb.v3i4.3402
Pradesyah, R., Khairunnisa, K., & Ismail, A. (2024). Technology Acceptance Model, Halal MSMEs Intention in Using QRIS. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 7(1), 1508-1520. https://doi.org/10.31538/iijse.v7i1.4014
Priambodo, S., & Prabawani, B. (2016). Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunaan, dan Persepsi Risiko Terhadap Minat Menggunakan Layanan Uang Elektronik (Studi Kasus pada Masyarakat di Kota Semarang). Jurnal Ilmu Administrasi Bisnis, 5(2), 127–135. https://ejournal3.undip.ac.id/index.php/jiab/article/view/11294
Purwanto, H. (2023). How Does Perceived Value Impact the Continuance Intention of Co-Branded Streetwear Fashion Goods in Indonesia. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 6(2), 594-617. https://doi.org/10.31538/iijse.v6i2.3158
Puspita, Y. C. (2019). Analisis Kesesuaian Teknologi Penggunaan Digital Payment Pada Aplikasi Ovo. Jurnal Manajemen Informatika, 9(02), 121–128.
Putri, E., Praswati, A. N., Muna, N., & Sari, N. P. (2022). E-Finance Transformation: A Study of M-Wallet Adoption in Indonesia. Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi Dan Pembangunan, 23(1), 123–134. https://doi.org/10.23917/jep.v23i1.15469
Rahmawati, A., & Murtanto. (2023). Pengaruh Persepsi Manfaat Dan Persepsi Kemudahan Penggunaan Uang Elektronik (Qris) Pada Mahasiswa Akuntansi. Jurnal Ekonomi Trisakti, 3(1), 1247–1256. https://doi.org/10.25105/jet.v3i1.16032
Rahmawati, S., & Arfiansyah, M. A. (2023). Faktor-Faktor yang Mempengaruhi Keputusan Penggunaan QRIS Pada UMKM Kota Surakarta. 22(3), 435–449.
Rahmawati, Y. (2022). Akuntansi Syariah di Indonesia dalam Era Digital. Indonesian Journal of Islamic Economics and Finance, 2(1), 1–12. https://doi.org/10.37680/ijief.v2i1.1366
Ramadhan, A. F., Prasetyo, A. B., & Irviana, L. (2016). Persepsi Mahasiswa Dalam Menggunakan E-money. Jurnal Dinamika Ekonomi & Bisnis, 13, 1–15. https://ejournal.unisnu.ac.id/JDEB/article/view/470/833
Sasongko, D. T., Handayani, P. W., & Satria, R. (2021). Analysis of factors affecting continuance use intention of the electronic money application in Indonesia. Procedia Computer Science, 197(2021), 42–50. https://doi.org/10.1016/j.procs.2021.12.116
Sholihah, E., & Nurhapsari, R. (2023). Percepatan Implementasi Digital Payment Pada UMKM: Intensi Pengguna QRIS Berdasarkan Technology Acceptance Model. Nominal Barometer Riset Akuntansi Dan Manajemen, 12(1), 1–12. https://doi.org/10.21831/nominal.v12i1.52480
Sholihin, M., & Ratmono, D. (2020). Analisis SEM-PLS dengan WarpPLS 7.0 untuk Hubungan Nonlinier dalam Penelitian Sosial dan Bisnis (C. Mitak (ed.); 2nd ed.). Yogyakarta: Penerbit Andi.
Singh, A. K., & Sharma, P. (2023). A study of Indian Gen X and Millennials consumers’ intention to use FinTech payment services during COVID-19 pandemic. Journal of Modelling in Management, 18(4), 1177–1203. https://doi.org/10.1108/JM2-02-2022-0059
Susanto, A., Chang, Y., & Ha, Y. (2016). Determinants of continuance intention to use the smartphone banking services: An extension to the expectation-confirmation model. Industrial Management and Data Systems, 116(3), 508–525. https://doi.org/10.1108/IMDS-05-2015-0195
Sutama. (2019). Metode Penelitian Pendidikan Kuantitatif, Kualitatif, PTK, Mix Method, R & D. Surakarta: CV Jasmine.
Szumski, O. (2022). Comparative analyses of digital payment methods from the pre and post COVID-19 perspective. Procedia Computer Science, 207, 4660–4669. https://doi.org/10.1016/j.procs.2022.09.530
Yana, A. A. G. A., Rusdhi, H. A., & Wibowo, M. A. (2015). Analysis of factors affecting design changes in construction project with Partial Least Square (PLS). Procedia Engineering, 125, 40–45. https://doi.org/10.1016/j.proeng.2015.11.007
Yuan, S., Liu, Y., Yao, R., & Liu, J. (2016). An investigation of users’ continuance intention towards mobile banking in China. Information Development, 32(1), 20–34. https://doi.org/10.1177/0266666914522140
Zuana, Muhammad M. M., and Sopiah Sopiah. (2022). Manajemen Pengetahuan dan Transformasi Digital di Era Industri 4.0. Jurnal Ilmiah Edunomika, 6(2), doi:10.29040/jie.v6i2.5325.
Copyright (c) 2024 Riris Angga Setyaningtyas, Suranto Suranto
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
