Determinasi Minat UMKM dalam Penggunaan QRIS di Jabodetabek
DOI:
https://doi.org/10.59580/iesbir.v3i1.7621Abstract
Abstract
The development of information technology that is growing very fast has brought the lives of the world community into the era of digital transformation. One of them is the QRIS which was launched as a standardization of non-cash payments where one of the users is the QR Code-based MSME sector as a unifier for QR Code-based non-cash payments in Indonesia. So that the purpose of this study is to find out the factors that influence MSME interest in using QRIS services in their business by adopting several variables contained in the UTAUT 3 theory and also modified by the addition of Islamic financial literacy variables. The method used in this research is quantitative method using primary data sources and secondary data analyzed using SEM-PLS. The results of this study indicate that performance expectations, business expectations, social factors, facilitating conditions, and Islamic financial literacy have no effect on MSME interest in using QRIS, but are influenced by hedonic motivation, price value, and habits.
Keywords: Digital payment; MSMEs; QRIS; Technology development; UTAUT
Abstrak
Perkembangan teknologi informasi yang berkembang sangat cepat membawa kehidupan masyarakat dunia memasuki era transformasi digital. Salah satunya dengan adanya QRIS yang diluncurkan sebagai standarisasi pembayaran non tunai dimana salah satu penggunanya adalah sektor UMKM yang berbasis QR Code sebagai pemersatu pembayaran non tunai berbasis QR Code di Indonesia. Sehingga tujuan dari penelitian ini yaitu untuk mencari tahu faktor yang mempengaruhi minat UMKM dalam menggunakan layanan QRIS pada usahanya dengan mengadopsi beberapa variabel yang terdapat pada teori UTAUT 3 dan juga dimodifikasi dengan penambahan variabel literasi keuangan syariah. Metode yang digunakan dalam penelitian ini yaitu metode kuantitatif dengan menggunakan sumber data primer dan data sekunder yang dianalisis menggunakan SEM-PLS. Hasil penelitian ini menunjukkan bahwa ekspektasi kinerja, ekspektasi usaha, faktor sosial, kondisi yang memfasilitasi, dan literasi keuangan syariah tidak berpengaruh terhadap minat UMKM dalam menggunakan QRIS, namun dipengaruhi oleh motivasi hedonis, nilai harga, dan kebiasaan.
Kata kunci: Pembayaran Digital; Perkembangan teknologi; QRIS; UMKM; UTAUT
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Copyright (c) 2024 Sarah Fadillah, Muhammad Anwar Fathoni
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