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All Journal Jurnal Impresi Indonesia Edunity: Kajian Ilmu Sosial dan Pendidikan
Siti Kholifah
Politeknik Siber Cerdika Internasional, Indonesia
Religion Humanities Computer Science & IT Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Adoption of QRIS in Traditional Market Traders in Kuningan: A Qualitative Study Based on UTAUT2 Hanipah Hanipah; Siti Kholifah; Novalia Azka
Edunity: Kajian Ilmu Sosial dan Pendidikan Vol. 5 No. 2 (2026): Edunity: Social and Educational Studies
Publisher : PT Publikasiku Academic Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57096/edunity.v5i2.619

Abstract

Background: The Quick Response Code Indonesian Standard (QRIS) is a cornerstone of Indonesia’s digital payment policy, yet its adoption among traditional market traders remains uneven, and existing studies are dominated by consumer-side or survey-based designs that leave the meanings and contextual reasons behind traders’ decisions underexplored.Objectives: This study explores how traditional market traders in Kuningan Regency, West Java, interpret, adopt, sustain, or abandon QRIS, using the extended Unified Theory of Acceptance and Use of Technology (UTAUT2) as a sensitizing framework.Method: A qualitative multiple-case study was conducted in two traditional markets in January 2026 with five informants. Data were collected through semi-structured in-depth interviews, participant observation of transactions, and documentation, and were analyzed through deductive–inductive thematic analysis with within-case and cross-case comparison.Findings and Implications: Four themes emerged: (1) practical benefits for sales, particularly serving cashless buyers and avoiding counterfeit money; (2) ease of use that depends on informal companions such as children and neighboring traders; (3) cost calculations intertwined with daily cash needs, which were most prominent among discontinued users; and (4) trust and habit that sustain continued use.Conclusion: The study proposes a merchant-centered extension of UTAUT2 in which price value encompasses daily liquidity and informal companions form part of facilitating conditions. Practically, it recommends peer-based, cost-transparent, and age-responsive QRIS assistance by Bank Indonesia, payment service providers, local governments, and market managers.
Pendorong, Hambatan Pasca-Adopsi, dan Strategi Keberlanjutan UMKM dalam Berjualan di Marketplace Indonesia Novalia Azka; Hanipah Hanipah; Siti Kholifah; Ginna Novarianti Dwi Putri Pramesti
Jurnal Impresi Indonesia Vol. 3 No. 11 (2024): Jurnal Impresi lndonesia
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jii.v3i11.8187

Abstract

Latar belakang: Usaha mikro, kecil, dan menengah (UMKM) merupakan tulang punggung perekonomian Indonesia, dan marketplace membuka peluang perluasan pasar bagi UMKM. Namun, penelitian terdahulu didominasi pengujian kuantitatif atas determinan keputusan adopsi, sementara pengalaman UMKM setelah bergabung dengan marketplace, termasuk alasan bertahan atau berhenti, masih jarang dikaji secara mendalam. Tujuan: Penelitian ini bertujuan mengeksplorasi pendorong adopsi, hambatan pasca-adopsi, dan strategi keberlanjutan UMKM dalam berjualan di Shopee dan TikTok Shop. Metode: Penelitian menggunakan pendekatan kualitatif dengan desain studi kasus jamak di Cirebon pada Agustus 2026. Data dikumpulkan melalui wawancara semi-terstruktur dengan lima pelaku UMKM yang dipilih secara purposive (tiga berkembang, satu stagnan, dan satu berhenti) serta dua pendamping UMKM sebagai informan kunci, dilengkapi observasi toko daring dan dokumentasi. Data dianalisis secara tematik abduktif dan lintas kasus. Hasil: Empat tema teridentifikasi, yaitu (1) tekanan lingkungan dan jejaring sebagai pemicu adopsi; (2) hambatan pasca-adopsi berupa persaingan harga, biaya layanan dan iklan platform, serta keterbatasan kapabilitas digital; (3) strategi bertahan melalui diferensiasi produk, pendekatan omnikanal, dan pembelajaran komunitas; serta (4) kebutuhan ekosistem pendampingan yang berkelanjutan. Kesimpulan: Penelitian ini mengusulkan model dua fase: faktor Teknologi–Organisasi–Lingkungan (TOE) menjelaskan keputusan adopsi, sedangkan kapabilitas dinamis menjelaskan keberlanjutan pasca-adopsi. Program digitalisasi UMKM perlu bergeser dari target onboarding menuju pendampingan yang membangun kapabilitas.
Co-Authors Ginna Novarianti Dwi Putri Pramesti Hanipah Hanipah Novalia Azka