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All Journal AIJER: Algazali International Journal Of Educational Research Jurnal Onoma: Pendidikan, Bahasa, dan Sastra Al asma : Journal of Islamic Education Lingue : Jurnal Bahasa, Budaya, dan Sastra DEIKTIS: Jurnal Pendidikan Bahasa dan Sastra Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah DISCOURSE : Indonesian Journal of Social Studies and Education International Journal for Advanced Research
Ahmad Ahmad
Universitas Negeri Makassar
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Behavioral and Institutional Perspectives on QRIS Adoption among MSMEs in Indonesia: A Qualitative Descriptive Study Dedi Harianto; Ahmad; Zohaib Hassan Sain
International Journal of Advanced Research Vol. 2 No. 5: February 2026
Publisher : Outline Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61730/kfs09s62

Abstract

The rapid development of digital payment systems has transformed financial transactions among micro, small, and medium enterprises (MSMEs) in Indonesia. One of the most significant innovations is Quick Response Code Indonesian Standard (QRIS), which aims to promote payment efficiency and financial inclusion. This study explores behavioral and institutional perspectives on QRIS adoption among MSMEs in Indonesia using a qualitative descriptive approach. Data were collected through in-depth interviews with MSME owners across various business sectors, supported by interviews with relevant institutional stakeholders and analysis of policy documents related to QRIS implementation. The data were analyzed using thematic analysis to identify key patterns and recurring themes. The findings reveal that MSMEs’ adoption of QRIS is strongly influenced by behavioral factors such as perceived ease of use, transaction convenience, customer demand, and trust in digital payment systems. In addition, institutional factors including government support, banking infrastructure, socialization programs, and regulatory frameworks play a crucial role in encouraging QRIS utilization. However, challenges remain, particularly related to digital literacy gaps, internet accessibility, and concerns over transaction fees and technical disruptions. This study contributes to the growing literature on digital payment adoption in developing economies by providing contextual insights into how behavioral and institutional dynamics shape MSMEs’ engagement with QRIS. The findings offer practical implications for policymakers, financial institutions, and stakeholders in designing more inclusive digital payment strategies and strengthening MSMEs’ participation in the digital economy.
Proses Pemerolehan Bahasa pada Anak: Perkembangan Bicara Anak Perempuan Usia 16 Bulan Ahmad, Ahmad; Rahim, Firdawati
DEIKTIS: Jurnal Pendidikan Bahasa dan Sastra Vol. 6 No. 1 (2026)
Publisher : Perkumpulan Dosen Muslim Indonesia - Sulawesi Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53769/deiktis.v6i1.3102

Abstract

Penelitian ini mengamati bagaimana anak usia 1 tahun 4 bulan belajar bahasa, dengan mengambil studi kasus seorang anak bernama Muzayyanah Millah Ahmad. Metode yang digunakan meliputi pengamatan alami, pencatatan harian, dan analisis rekaman audio-video. Fokus penelitian ada pada tiga hal: (1) perkembangan kosakata awal anak, (2) kemampuannya memahami komunikasi, dan (3) pengaruh stimulasi dari lingkungan sekitar. Hasilnya menunjukkan bahwa pada usia 16 bulan, Muzayyanah sudah bisa mengucapkan 7 kata, terutama nama benda, dan memahami 7 perintah sederhana. Interaksi orang tua yang responsif, seperti memperhatikan objek yang sama dengan anak (joint attention) dan memberikan bantuan linguistik, terbukti mempercepat perkembangan kosakata. Selain itu, anak ini juga menunjukkan kemampuan khusus dalam mengenali bunyi kata, yang mendukung teori bahwa stimulasi di usia dini sangat penting untuk perkembangan bahasa. Penelitian ini memberikan dua kontribusi penting: pertama, bukti empiris tentang proses belajar bahasa dalam keluarga urban di Indonesia, dan kedua, penguatan metode stimulasi bahasa berbasis bukti bagi orang tua. Sebagai rekomendasi praktis, orang tua disarankan menggunakan pendekatan multimodal (seperti gambar, suara, dan gerakan) untuk membantu anak mempelajari kata-kata baru.
Co-Authors Achmad Romadin Ahsanurrijal Ahsanurrijal Alwi, Muhammmad Ahkam Andi Almaidah Dirhamzah Andi Muhammad Irfan Aswadi Ramli Aswadi Ramli Dedi Harianto Dedi Harianto Hajerah Hajerah Kemalasari, Andi Anggi Muh. Daud Nur Rahmi Rahim, Firdawati Ridwan Andi Mattoliang Rostina Slamet, M. Aji Sri Irmayanti Zohaib Hassan Sain