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Analisis Persepsi Kemudahan Dan Persepsi Keamanan Dalam Mempengaruhi Minat Menggunakan QRIS Livin’ By Mandiri Di Kota Padang Trianita, Mery; ., Irda; kamela, Ice; ., Yuhelmi; Ahmad, Irfan
Jurnal Ekonomika Dan Bisnis (JEBS) Vol. 5 No. 4 (2025): Juli-Agustus
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jebs.v5i4.3250

Abstract

Advancements in information and communication technology have transformed various aspects of daily life, including how people conduct financial transactions. One of the rapidly growing innovations in Indonesia’s digital payment system is QRIS (Quick Response Code Indonesian Standard), which is also integrated into the Livin’ by Mandiri application. However, the suboptimal use of QRIS in Padang City raises questions regarding the factors influencing public interest in adopting this payment method. This study aims to analyze the effect of perceived ease of use and perceived security on behavioral intention to use QRIS through the Livin’ by Mandiri application in Padang City. The researchers employed a quantitative approach using purposive sampling technique, involving 60 respondents who met the criteria: Bank Mandiri customers, users of the Livin’ by Mandiri application, and individuals over 17 years of age. Data were analyzed using Partial Least Squares - Structural Equation Modeling (PLS-SEM). The analysis included convergent validity and discriminant validity tests using the Fornell-Larcker criterion and cross loadings, as well as R-Square and Structural Model Assessment (SMA) to evaluate causal relationships between latent variables. The results revealed that perceived ease of use does not significantly influence the intention to use QRIS through Livin’ by Mandiri in Padang City, thus rejecting the proposed hypothesis. Conversely, perceived security significantly affects the intention to use the service. This indicates that data protection and prevention of misuse are critical factors driving users' intention to adopt QRIS through the Livin’ by Mandiri application.
Peran Pendidikan Vokasi dalam Melahirkan Wirausahawan (Studi Kasus Peserta Didik SMK Negeri 1 Cikalongkulon Kabupaten Cianjur) Suherman, Maman; H. Soro, Suharyanto; Ahmad, Irfan; Ningsih, Riyani Fitria; Pawaka, Wahyu
EDUKASIA Jurnal Pendidikan dan Pembelajaran Vol. 5 No. 1 (2024): Edukasia: Jurnal Pendidikan dan Pembelajaran
Publisher : LP. Ma'arif Janggan Magetan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62775/edukasia.v5i1.1307

Abstract

Vocational education plays a strategic role in preparing competent human resources, particularly in addressing unemployment challenges and creating job opportunities through entrepreneurship. The background of this research is the importance of optimizing vocational education in shaping entrepreneurial generations amidst economic dynamics and labor market demands. This study aims to analyze the role of vocational education at SMK Negeri 1 Cikalongkulon, Cianjur Regency, in producing entrepreneurial generations, identify supporting and inhibiting factors, and provide recommendations for further development. The researches employed a qualitative paradigm, with case study approach. Data collection through observation, interviews, and document studies. The sample selection uses purposive sampling, targeting the school principal, teachers, and students. The research activities were conducted during the 2024 academic year. The findings reveal the following: (1) SMK Negeri 1 Cikalongkulon has implemented vocational education to produce entrepreneurial generations. (2) There are obstacles in the implementation of entrepreneurship education at SMK Negeri 1 Cikalongkulon; (3) The quality of entrepreneurship education at SMK Negeri 1 Cikalongkulon has improved, resulting in competent graduates with entrepreneurial skills. The study also indicates that vocational education at SMK Negeri 1 Cikalongkulon has successfully contributed to producing entrepreneurial generations through a competency-based curriculum, industrial work practice training, and school entrepreneurship programs. However, several challenges remain, including limited facilities and infrastructure and insufficient access to marketing networks. The discussion emphasizes the importance of synergy among schools, businesses, and the government in supporting vocational education programs.