ANALISIS PERSEPSI PEBISNIS PADA PENGGUNAAN QRIS SEBAGAI ALAT TRANSAKSI UMKM DI KOTA DENPASAR
Abstract
Berbagai aspek kehidupan manusia telah sangat dipengaruhi oleh perkembangan teknologi yang berkembang pesat. QRIS dikenal melalui pembayaran transaksi non tunai sebagai contohnya. Untuk transaksi yang menggunakan uang berbasis server elektronik, dompet digital, dan mobile banking, Quick Response Indonesia Standard, atau QRIS, digunakan. Persepsi manfaat, kemudahan, risiko, dan kepercayaan berdampak pada keinginan UMKM di Kota Denpasar untuk menggunakan QRIS sebagai alat transaksi. Tujuan dari penelitian ini adalah untuk mengetahui bagaimana persepsi ini berdampak. Riset ini mengumpulkan sampel dari 80 responden menggunakan metode purposive sampling dan Teori Pengakuan Teknologi Model (TAM). Fokus penelitian adalah UMKM di sekitar Kota Denpasar. Program SPSS 25 digunakan dalam pengujian penelitian ini. Hasil penelitian menunjukkan bahwa persepsi kemudahan, manfaat, dan kepercayaan QRIS meningkatkan keinginan untuk menggunakannya, sementara persepsi risiko menurunkan keinginan untuk menggunakannya.
References
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Mansurali, A., Ramakrishnan, S., Joghee, S., Kabiraj, S., & Bishnoi, M. M. (2022). Fintech innovations in the financial service industry. Journal of Risk and Financial Management, 15(7), 287. https://doi.org/10.3390/jrfm15070287
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Purnama. 2012. PENGARUH KOMPENSASI DAN DISIPLIN KERJA TERHADAP KINERJA KARYAWAN CV. CAHAYA CITRASURYA INDOPRIMA. (n.d.).
Prasetyo, R. (2014). Pemanfaatan Berbagai Sumber Pupuk Kandang sebagai Sumber N dalam Budidaya Cabai Merah (Capsicum annum L.) di Tanah Berpasir. Planta Tropika: Journal of Agro Science, 2(2). https://doi.org/10.18196/pt.2014.032.125-132
Rahadi, R. A., Nainggolan, Y. A., Afgani, K. F., Yusliza, M. Y., Faezah, J. N., Ramayah, T., … & Angelina, C. (2022). Towards a cashless society: use of electronic payment devices among generation z. International Journal of Data and Network Science, 6(1), 137-146. https://doi.org/10.5267/j.ijdns.2021.9.014
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Setiawan, I. W. A., & Mahyuni, L. P. (2020). QRIS DI MATA UMKM: EKSPLORASI PERSEPSI DAN INTENSI UMKM MENGGUNAKAN QRIS. E-Jurnal Ekonomi dan Bisnis Universitas Udayana, 921. https://doi.org/10.24843/EEB.2020.v09.i10.p01
Silalahi, P. R., Tambunan, K., & Batubara, T. R. (2022). Dampak Penggunaan QRIS Terhadap Kepuasan Konsumen Sebagai Alat Transaksi.
Van Dolen, W. M., Dabholkar, P. A., & De Ruyter, K. (2007). Satisfaction with Online Commercial Group Chat: The Influence of Perceived Technology Attributes, Chat Group Characteristics, and Advisor Communication Style. Journal of Retailing, 83(3), 339–358. https://doi.org/10.1016/j.jretai.2007.03.004
Widagdo, B. and Sa’diyah, C. (2023). Business sustainability: functions of financial behavior, technology, and knowledge. Problems and Perspectives in Management, 21(1), 120-130. https://doi.org/10.21511/ppm.21(1).2023.11
Widayat, W., Marsudi, M., & Masudin, I. (2023). Qr-code-based payment. does the consumer intend to adopt a retail buying transaction?. Banks and Bank Systems, 18(3), 1-13. https://doi.org/10.21511/bbs.18(3).2023.01
Wiradimaja, M. F., & Rikumahu, D. B. (n.d.). THE EFFECT OF RISK FACTORS AND TRUST FACTORS ON ADOPTION OF ELECTRONIC WALLET USING TAM MODELS (CASE STUDY: E-WALLET OVO IN BANDUNG).
Widyastuti, M., Ferdinand, D. Y. Y., & Hermanto, Y. B. (2023). Strengthening formal credit access and performance through financial literacy and credit terms in micro, small and medium businesses. Journal of Risk and Financial Management, 16(1), 52. https://doi.org/10.3390/jrfm16010052
Zulkarnaen, W., Fitriani, I., & Yuningsih, N. (2020). Pengembangan Supply Chain Management Dalam Pengelolaan Distribusi Logistik Pemilu Yang Lebih Tepat Jenis, Tepat Jumlah Dan Tepat Waktu Berbasis Human Resources Competency Development Di KPU Jawa Barat. Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi), 4(2), 222-243. https://doi.org/10.31955/mea.vol4.iss2.pp222-243.
Akter, M., & Sultana, N. (2020). Digital Marketing Communication and Consumer Buying Decision Process in Pandemic Standpoint (COVID-19): An Empirical Study of Bangladeshi Customers’ in Branded Cosmetics Perspective. Open Journal of Business and Management, 08(06), 2696–2715. https://doi.org/10.4236/ojbm.2020.86167
Arianti, A. (2019). PERANAN GURU DALAM MENINGKATKAN MOTIVASI BELAJAR SISWA. DIDAKTIKA : Jurnal Kependidikan, 12(2), 117–134. https://doi.org/10.30863/didaktika.v12i2.181
Balakrishnan, V. and Gan, C. L. (2023). Going cashless? elucidating predictors for mobile payment users’ readiness and intention to adopt. Sage Open, 13(4). https://doi.org/10.1177/21582440231215111
Budiarto, D. S., Prabowo, M. A., & Kartika, T. N. (2023). Does performance improve sustainability? empirical research on indonesian msmes. International Journal of Business and Society, 24(3), 1252-1265. https://doi.org/10.33736/ijbs.6422.2023
Culebro-Martínez, R., Moreno-García, E., & Hernández-Mejía, S. (2024). Financial literacy of entrepreneurs and companies’ performance. Journal of Risk and Financial Management, 17(2), 63. https://doi.org/10.3390/jrfm17020063
Davis, M. (1986). Pharmacological and anatomical analysis of fear conditioning using the fear-potentiated startle paradigm. Behavioral Neuroscience, 100(6), 814–824. https://doi.org/10.1037/0735-7044.100.6.814
Davis, M. B. (1989). Lags in vegetation response to greenhouse warming. Climatic Change, 15(1–2), 75–82. https://doi.org/10.1007/BF00138846
Drever, M. C., & Martin, K. (2010). Response of woodpeckers to changes in forest health and harvest: Implications for conservation of avian biodiversity. Forest Ecology and Management, 259(5), 958–966. https://doi.org/10.1016/j.foreco.2009.11.038
Eren, B. A. (2022). Qr code m-payment from a customer experience perspective. Journal of Financial Services Marketing, 29(1), 106-121. https://doi.org/10.1057/s41264-022-00186-5
Gefen, Karahanna, & Straub. (2003). Trust and TAM in Online Shopping: An Integrated Model. MIS Quarterly, 27(1), 51. https://doi.org/10.2307/30036519
Gunawan, A., Jufrizen, J., & Pulungan, D. R. (2023). Improving msme performance through financial literacy, financial technology, and financial inclusion. International Journal of Applied Economics, Finance and Accounting, 15(1), 39-52. https://doi.org/10.33094/ijaefa.v15i1.761
Handayani, A. (n.d.). Keseimbangan Kerja Keluarga pada Perempuan Bekerja: Tinjauan Teori Border.
Harris, D. R., & Hillman, G. C. (Eds.). (2015). Foraging and farming: The evolution of plant exploitation. Routledge.
Hasan, A., Yadav, A., Sharma, S., Singhal, A., Gupta, D., Raghuwanshi, S., … & Verma, P. (2023). Factors influencing behavioural intention to embrace sustainable mobile payment based on indian user perspective. Journal of Law and Sustainable Development, 11(4), e627. https://doi.org/10.55908/sdgs.v11i4.627
Klein, R. (1989). The Wisconsin Epidemiologic Study of Diabetic Retinopathy: X. Four-Year Incidence and Progression of Diabetic Retinopathy When Age at Diagnosis Is 30 Years or More. Archives of Ophthalmology, 107(2), 244. https://doi.org/10.1001/archopht.1989.01070010250031
Latifah, A. L., & Van Groesen, E. (2012). Coherence and predictability of extreme events in irregular waves. Nonlinear Processes in Geophysics, 19(2), 199–213. https://doi.org/10.5194/npg-19-199-2012
Lin, L., Lin, F., Lien, C., Yang, T., Chuang, Y., & Hsu, Y. (2023). Electronic payment behaviors of consumers under digital transformation in finance—a case study of third-party payments. Journal of Risk and Financial Management, 16(8), 346. https://doi.org/10.3390/jrfm16080346
Lu, M. (2022). Cashless payments and banking performances: a study of local commercial banks in malaysia. International Journal of Business and Society, 23(2), 855-876. https://doi.org/10.33736/ijbs.4842.2022
Lu, M. and Kosim, Z. (2022). An empirical study to explore the influence of the covid-19 crisis on consumers' behaviour towards cashless payment in malaysia. Journal of Financial Services Marketing, 29(1), 33-44. https://doi.org/10.1057/s41264-022-00182-9
Mansurali, A., Ramakrishnan, S., Joghee, S., Kabiraj, S., & Bishnoi, M. M. (2022). Fintech innovations in the financial service industry. Journal of Risk and Financial Management, 15(7), 287. https://doi.org/10.3390/jrfm15070287
Mao, J., Price, D. D., & Mayer, D. J. (1995). Mechanisms of hyperalgesian and morphine tolerance: A current view of their possible interactions. Pain, 62(3), 259–274. https://doi.org/10.1016/0304-3959(95)00073-2
Purnama. 2012. PENGARUH KOMPENSASI DAN DISIPLIN KERJA TERHADAP KINERJA KARYAWAN CV. CAHAYA CITRASURYA INDOPRIMA. (n.d.).
Prasetyo, R. (2014). Pemanfaatan Berbagai Sumber Pupuk Kandang sebagai Sumber N dalam Budidaya Cabai Merah (Capsicum annum L.) di Tanah Berpasir. Planta Tropika: Journal of Agro Science, 2(2). https://doi.org/10.18196/pt.2014.032.125-132
Rahadi, R. A., Nainggolan, Y. A., Afgani, K. F., Yusliza, M. Y., Faezah, J. N., Ramayah, T., … & Angelina, C. (2022). Towards a cashless society: use of electronic payment devices among generation z. International Journal of Data and Network Science, 6(1), 137-146. https://doi.org/10.5267/j.ijdns.2021.9.014
Sembiring, M. J., Wibowo, W., & Dewi, G. C. (2022). Adoption of innovative mobile payment technologies in indonesia: the role of attitude. Innovative Marketing, 18(2), 186-197. https://doi.org/10.21511/im.18(2).2022.16
Setiawan, I. W. A., & Mahyuni, L. P. (2020). QRIS DI MATA UMKM: EKSPLORASI PERSEPSI DAN INTENSI UMKM MENGGUNAKAN QRIS. E-Jurnal Ekonomi dan Bisnis Universitas Udayana, 921. https://doi.org/10.24843/EEB.2020.v09.i10.p01
Silalahi, P. R., Tambunan, K., & Batubara, T. R. (2022). Dampak Penggunaan QRIS Terhadap Kepuasan Konsumen Sebagai Alat Transaksi.
Van Dolen, W. M., Dabholkar, P. A., & De Ruyter, K. (2007). Satisfaction with Online Commercial Group Chat: The Influence of Perceived Technology Attributes, Chat Group Characteristics, and Advisor Communication Style. Journal of Retailing, 83(3), 339–358. https://doi.org/10.1016/j.jretai.2007.03.004
Widagdo, B. and Sa’diyah, C. (2023). Business sustainability: functions of financial behavior, technology, and knowledge. Problems and Perspectives in Management, 21(1), 120-130. https://doi.org/10.21511/ppm.21(1).2023.11
Widayat, W., Marsudi, M., & Masudin, I. (2023). Qr-code-based payment. does the consumer intend to adopt a retail buying transaction?. Banks and Bank Systems, 18(3), 1-13. https://doi.org/10.21511/bbs.18(3).2023.01
Wiradimaja, M. F., & Rikumahu, D. B. (n.d.). THE EFFECT OF RISK FACTORS AND TRUST FACTORS ON ADOPTION OF ELECTRONIC WALLET USING TAM MODELS (CASE STUDY: E-WALLET OVO IN BANDUNG).
Widyastuti, M., Ferdinand, D. Y. Y., & Hermanto, Y. B. (2023). Strengthening formal credit access and performance through financial literacy and credit terms in micro, small and medium businesses. Journal of Risk and Financial Management, 16(1), 52. https://doi.org/10.3390/jrfm16010052
Zulkarnaen, W., Fitriani, I., & Yuningsih, N. (2020). Pengembangan Supply Chain Management Dalam Pengelolaan Distribusi Logistik Pemilu Yang Lebih Tepat Jenis, Tepat Jumlah Dan Tepat Waktu Berbasis Human Resources Competency Development Di KPU Jawa Barat. Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi), 4(2), 222-243. https://doi.org/10.31955/mea.vol4.iss2.pp222-243.
Published
2025-11-10
How to Cite
Kusuma, P. S. A. J., & Sihaloho, G. A. N. (2025). ANALISIS PERSEPSI PEBISNIS PADA PENGGUNAAN QRIS SEBAGAI ALAT TRANSAKSI UMKM DI KOTA DENPASAR. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 9(3), 1800-1817. https://doi.org/10.31955/mea.v9i3.4457
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