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All Journal Jimma : Jurnal Ilmiah Manajemen Muhammadiyah Aceh JOURNAL OF HEALTHCARE TECHNOLOGY AND MEDICINE JURNAL PENDIDIKAN TAMBUSAI JOURNAL OF INFORMATICS AND COMPUTER SCIENCE Jurnal Sains dan Ilmu Terapan
Zuraidah Zuraidah
Universitas Muhammadiyah Aceh
Computer Science & IT Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Social Sciences

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ADOPSI QRIS PADA UMKM: PENGARUH LITERASI DIGITAL DAN KEMUDAHAN PENGGUNAAN Lisnawati Lisnawati; Zuraidah Zuraidah; Fitriliana Fitriliana
JOURNAL OF INFORMATICS AND COMPUTER SCIENCE Vol. 12 No. 1 (2026): APRIL 2026
Publisher : Ubudiyah Indonesia University

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Abstract

Adopsi sistem pembayaran digital berbasis QRIS (Quick Response Code Indonesian Standard) terus meningkat di kalangan pelaku Usaha Mikro, Kecil, dan Menengah (UMKM), namun masih terdapat kesenjangan signifikan dalam tingkat adopsi, khususnya di daerah non metropolitan. Penelitian ini bertujuan untuk menganalisis pengaruh literasi digital dan kemudahan penggunaan terhadap keputusan menggunakan QRIS pada UMKM Kecamatan Kuta Alam, Kota Banda Aceh. Penelitian ini menggunakan pendekatan kuantitatif dengan survei terhadap 89 responden pelaku UMKM yang dipilih. Data dianalisis menggunakan regresi linear berganda dengan bantuan SPSS. Hasil penelitian menunjukkan bahwa literasi digital berpengaruh positif dan signifikan terhadap keputusan menggunakan QRIS (β = 0,312; t = 3,87; p < 0,001), demikian pula kemudahan penggunaan (β = 0,418; t = 5,24; p < 0,001). Secara simultan, kedua variabel mampu menjelaskan 61,3% variasi keputusan adopsi QRIS (R² = 0,613; F = 76,43; p < 0,001). Kemudahan penggunaan terbukti memiliki pengaruh dominan, mengindikasikan bahwa simplifikasi antarmuka dan proses transaksi merupakan faktor kunci dalam mendorong adopsi QRIS di kalangan UMKM.   Kata Kunci: Kemudahan Penggunaan, Keputusan Menggunakan, Literasi Digital, QRIS, UMKM
Pengaruh Pengetahuan Keuangan dan Sikap Keuangan terhadap Keputusan Berinvestasi Masyarakat di Kota Banda Aceh Milzam Wafa Staqif; Zuraidah Zuraidah; Syahrul Maulidi
Jurnal Sains dan Ilmu Terapan Vol. 9 No. 1 (2026): Jurnal Sains dan Ilmu Terapan
Publisher : Politeknik Kampar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59061/jsit.v9i1.1366

Abstract

This study aims to analyze the effect of Financial Knowledge and Financial Attitude on Investment Decisions among the community in Banda Aceh City. Investment activities have become increasingly important as individuals seek ways to manage their finances and improve their long-term financial well-being. Therefore, understanding the factors that influence investment decisions is essential. This research employed a quantitative approach using a survey method with 100 respondents selected through purposive sampling. The data collected from the respondents were then analyzed using multiple linear regression to determine the influence of each variable. The results indicate that Financial Knowledge and Financial Attitude partially and simultaneously have a positive and significant effect on Investment Decisions. Among these variables, Financial Attitude shows a more dominant influence in shaping individuals’ investment behavior, although the overall contribution of both variables remains relatively low. These findings suggest that individuals with better financial understanding and more positive Financial Attitudes tend to make more rational investment choices.
Co-Authors Amelia Rahmi Dathin Nabilla Hasibuan Faizil Moviza Fani Sartika Fanny Maulida Fitriliana Fitriliana Husna Husna Lilik Nur Anisa Lisnawati Lisnawati Milzam Wafa Staqif Nara Pristiwa Parida Ayani Riski Aulia Rusnaidi Syahrul Maulidi