Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal JIBF MADINA : Journal Islamic Banking and Finance Madina
Irwansyah Nasution
Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Pengaruh Kemanfaatan Dan Kemudahan QRIS Di Ewallet Terhadap Efisiensi Pembayaran Digital Pada Mahasiswa STAIN Mandailing Natal: Irwansyah Nasution Irwansyah Nasution
JIBF MADINA : Journal Islamic Banking and Finance Madina Vol. 7 No. No. 1 (2026): JIBF MADINA TAHUN 2026
Publisher : Program Studi Perbankan Syariah Jurusan Syariah, Ekonomi dan Bisnis Islam Sekolah Tinggi Agama Islam Negeri Mandailing Natal (STAIN MADINA)

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research is motivated by the low level of utilization of QRIS as a digital payment tool among students even though it is widely available and is considered to have many advantages. The purpose of this study is to determine whether the perception of the usefulness and convenience of QRIS has a significant effect on the efficiency of digital payments among students of STAIN Mandailing Natal. The method used is a quantitative approach with multiple linear regression analysis techniques, as well as hypothesis testing through partial tests (t), simultaneous tests (F), and coefficient of determination tests (R2). The results show that the perception of the usefulness of QRIS (X1) has a significant effect on the efficiency of digital payments among students of STAIN Mandailing Natal, evidenced by the t-value of 2.175 > t-table 1.668 so that Ho is rejected and Ha is accepted. Likewise, the perception of the convenience of QRIS (X2) has a significant effect on the efficiency of digital payments with a t-value of 5.601 > t-table 1.668 so that Ho is rejected and Ha is accepted. Furthermore, the F-test results show F count of 42.674 > F table of 3.14 with a significance level of 0.000 < 0.05, thus rejecting Ho and accepting Ha. Thus, both partially and simultaneously, the usefulness and convenience of QRIS significantly influence the efficiency of digital payments. Keywords: Benefits, Convenience, Efficiency of Digital Payments
Co-Authors