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All Journal Tazkia Islamic Finance and Business Review Arus Jurnal Sosial dan Humaniora
Muhammad Ikbal
Universitas Islam Negeri Datokarama Palu
Religion Humanities Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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The Influence of Financial Literacy, Financial Inclusion, and Social Environment on the Decision to Use QRIS by "MSMEs" Fadli Hadi Badjeber Hadi Badjeber; Uswatun Hasanah; Noval; Ibrahim R. Mangge; Muhammad Ikbal
Tazkia Islamic Finance and Business Review Vol. 20 No. 1 (2026): TIFBR
Publisher : Faculty of Islamic Business and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v20i1.490

Abstract

This study aims to analyze the influence of financial literacy, financial inclusion, and the social environment on the decision to use the Quick Response Code Indonesian Standard (QRIS) among Micro, Small, and Medium Enterprises (MSMEs) in Palu City. The background of this research is based on the still low adoption rate of QRIS among MSME actors, despite the government's efforts to promote payment digitalization programs. This indicates a gap between the availability of digital payment infrastructure and users' readiness to adopt it. This research uses a quantitative approach with a total of 100 respondents who are MSME actors in Palu City. Data was collected thru questionnaires and analyzed using the Structural Equation Modeling–Partial Least Square (SEM-PLS) method to test the relationships between variables. The research results indicate that financial literacy does not significantly influence the decision to use QRIS, while financial inclusion and the social environment have a positive and significant impact. Simultaneously, these three variables positively and significantly influence the decision to use QRIS among MSME actors. This finding suggests that the decision to use QRIS is more influenced by ease of access to formal financial services and social support from the surrounding environment, compared to an individual's level of financial understanding. The results of this research are expected to provide input for the government and financial institutions in strengthening digital education and expanding financial inclusion to accelerate the adoption of digital payment systems in the MSME sector.
Pengaruh Pendampingan Baca Buku Kesehatan Ibu dan Anak terhadap Pengetahuan Ibu tentang Perkembangan Anak 1-3 Tahun di Wilayah Kerja UPTD Puskesmas Sigenti Tahun 2025 Mutmainnah; Andi Besse Tenri Luwu; Novianto; Rahmat Makmur; Muhammad Ikbal; Verawati
Arus Jurnal Sosial dan Humaniora Vol 5 No 3: Desember (2025)
Publisher : Arden Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57250/ajsh.v5i3.2230

Abstract

Latar belakang Buku Kesehatan Ibu dan Anak (KIA) merupakan panduan penting bagi orangtua dalam memantau dan menstimulasi tumbuh kembang anak. Buku ini telah di distribusikan di seluruh provinsi di Indonesia dan menyediakan informasi penting mengenai perawatan anak di rumah, yang berkontribusi pada peningkatan pengetahuan dan praktik orangtua terkait kesehatan anak. Meskipun distribusinya luas, banyak ibu yang masih belum memahami isi buku ini dengan baik, seperti yang terungkap dalam penelitian awal di wilayah kerja Puskesmas Sigenti. Penelitian ini bertujuan untuk mengevaluasi pengaruh pendampingan baca Buku KIA terhadap pengetahuan ibu mengenai tumbuh kembang anak usia 1-3 tahun di wilayah Puskesmas Sigenti. Berdasarkan wawancara dengan 10 ibu, ditemukan bahwa pengetahuan mereka tentang tumbuh kembang anak masih terbatas, dimana banyak yang hanya menilai anak mereka sehat jika tidak ada keluhan penyakit. Kurangnya pemahaman ini menekankan perlunya penyebaran informasi dan edukasi yang lebih baik terkait Buku KIA. Penelitian ini bertujuan untuk mengetahui apakah pendampingan baca dapat meningkatkan kesadaran ibu tentang tahapan perkembangan anak mereka. Hasil penelitian diharapkan dapat memberikan wawasan berharga untuk memperbaiki intervensi kesehatan anak dan mendukung tumbuh kembang anak yang optimal pada usia dini.
Co-Authors Andi Besse Tenri Luwu Fadli Hadi Badjeber Hadi Badjeber Ibrahim R. Mangge Mutmainnah Noval Noval Novianto Rahmat Makmur Uswatun Hasanah Verawati