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All Journal Owner : Riset dan Jurnal Akuntansi
Tesalonika Cherry Adhivi
Universitas BPD
Economics, Econometrics & Finance

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Analisis Faktor yang Mempengaruhi Penggunaan QRIS pada UMKM Sektor Kuliner di Kota Semarang Tesalonika Cherry Adhivi; Taufiq Andre Setiyono
Owner : Riset dan Jurnal Akuntansi Vol. 10 No. 4 (2026): Artikel riset Oktober 2026
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v10i4.3856

Abstract

This study aims to analyse the influence of financial literacy, digital literacy and perceived ease of use on the adoption of QRIS amongst MSMEs in the culinary sector in Semarang. A quantitative approach was employed in this study, with primary data collected by distributing questionnaires to 100 MSME operators in the culinary sector. The data analysis tool used was SEM-PLS, utilising the SmartPLS 4.0 application. The results of the study indicate that financial literacy does not have a significant effect on the use of QRIS. Digital literacy has a significant positive effect on the use of QRIS. Furthermore, the perception of ease of use did not have a significant effect on the use of QRIS among SMEs in the culinary sector in Semarang City. These findings indicate that digital literacy is a crucial factor in the use of QRIS by SMEs in the culinary sector in Semarang City. This study confirms that SMEs in the culinary sector in Semarang City possess a high level of digital literacy regarding the use of QRIS.
Co-Authors Taufiq Andre Setiyono