Article Per Year (5 Year)
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All Journal International Journal of Multidisciplinary Sciences and Arts
Sri Hartati Sidauruk
Universitas Satya Terra Bhinneka, Indonesia
Computer Science & IT Economics, Econometrics & Finance Languange, Linguistic, Communication & Media

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Financial Literacy and QRIS Adoption as Determinants of MSME Financial Performance in Binjai City Devi Purnama Sari; Sri Hartati Sidauruk; Muhammad Saleh Rizkian
International Journal of Multidisciplinary Sciences and Arts Vol. 5 No. 3 (2026): International Journal of Multidisciplinary Sciences and Arts, Article July 2026
Publisher : Information Technology and Science (ITScience)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/ijmdsa.v5i3.9125

Abstract

This study aims to analyze the influence of financial literacy and the adoption of the Quick Response Code Indonesian Standard (QRIS) on the financial performance of Micro, Small, and Medium Enterprises (MSMEs) in the culinary district of Binjai City. The study employs a quantitative approach with an associative research design. The research population consists of all MSME operators in the Binjai City culinary district who have been in business for at least one year and utilize QRIS as a payment method. Purposive sampling was used to select a sample of 80 respondents. Primary data were collected through the distribution of questionnaires. Data analysis was conducted using multiple linear regression with the aid of IBM SPSS Statistics 26 software. The results indicate that financial literacy has a positive and significant effect on MSME financial performance, evidenced by a calculated t-value of 6.162 (exceeding the t-table value of 1.991) and a significance level of 0.000 (< 0.05). Furthermore, QRIS adoption also positively and significantly influences MSME financial performance, with a calculated t-value of 4.522 (exceeding the t-table value of 1.991) and a significance level of 0.025 (< 0.05). These findings demonstrate that higher levels of financial literacy and more optimal QRIS implementation lead to improved financial performance for MSMEs in the Binjai City culinary district.
Sustainability Model of Accurate Accounting Software Implementation for Outcome-Based Education in Higher Education Sri Hartati Sidauruk; Muhammad Saleh Rizkian; Devi Purnama Sari
International Journal of Multidisciplinary Sciences and Arts Vol. 5 No. 1 (2026): International Journal of Multidisciplinary Sciences and Arts, Article January 2
Publisher : Information Technology and Science (ITScience)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/ijmdsa.v5i1.7833

Abstract

The implementation of Outcome-Based Education (OBE) in higher education requires a learning process oriented towards achieving graduate competencies, including mastery of digital accounting skills. Accurate Accounting System software is one of the accounting applications widely used in industrial practice, and its potential for integration into OBE-based learning is significant. This study aims to analyze the factors that influence the sustainability of Accurate implementation and develop a conceptual model for the software's continued use in supporting OBE implementation. This study uses a quantitative approach with a survey method by distributing questionnaires to 100 respondents consisting of students, lecturers, and educational staff who use Accurate. The variables analyzed include the Technology Readiness Index (TRI), the Technology Acceptance Model (TAM), the Unified Theory of Acceptance and Use of Technology (UTAUT), and the Sustainability of Implementation Model. Data were analyzed using SPSS through validity and reliability tests, as well as multiple linear regression. The results showed that optimism and innovation had a significant positive effect on performance expectancy (? = 0.45, p < 0.01) and effort expectancy (? = 0.38, p < 0.05). Conversely, discomfort and insecurity had a negative effect on effort expectancy (? = -0.33, p < 0.05) and behavioral intention (? = -0.29, p < 0.05). This indicates that technological readiness (TRI) has an indirect effect on implementation sustainability through the UTAUT variable. This study strengthens the view that psychological readiness of technology users is an important prerequisite for educational technology adoption.
Co-Authors Devi Purnama Sari Muhammad Saleh Rizkian