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All Journal JURNAL ILMIAH MANAJEMEN & BISNIS Jurnal Ilmiah Universitas Batanghari Jambi Journal of Economic, Bussines and Accounting (COSTING) Owner : Riset dan Jurnal Akuntansi JIEB : Jurnal Ilmiah Ekonomi Bisnis Jurnal Ekonomi JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) KINDAI : Kumpulan Informasi dan Artikel Ilmiah Manajamen dan Akuntansi Return : Study of Management, Economic and Bussines INJURITY: Journal of Interdisciplinary Studies Jurnal Ilmu Manajemen
Jumriaty Jusman
Sekolah Tinggi Ilmu Ekonomi Pancasetia Banjarmasin
Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Receptiveness of QRIS as a Digital Payment Among MSME in Palopo City Jumriaty Jusman; Ika Fauziah
Interdiciplinary Journal and Hummanity (INJURITY) Vol. 3 No. 10 (2024): INJURITY: Journal of Interdisciplinary Studies.
Publisher : Pusat Publikasi Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58631/injurity.v3i10.1234

Abstract

The rapid digitalization of financial transactions has led to the widespread adoption of technology-based payment systems among Micro, Small, and Medium Enterprises (MSMEs). One significant innovation in Indonesia is the Quick Response Code Indonesian Standard (QRIS), introduced by Bank Indonesia in 2019 to streamline digital payments through a unified QR code. This study explores the impact of user convenience, trust, and risk perception on QRIS user satisfaction, and further examines how these factors influence the overall use of QRIS among MSMEs in Palopo City. Using a quantitative approach, data were collected from 52 MSME actors and analyzed with SPSS V.25 to assess the relationships between variables. The results indicate that user convenience and risk perception have a significant impact on user satisfaction, while trust did not show a direct effect. Furthermore, risk perception was found to have a direct significant influence on the use of QRIS, whereas user satisfaction did not mediate the relationship between user convenience, trust, and QRIS use. The findings highlight the importance of addressing risk concerns and enhancing user satisfaction to promote broader QRIS adoption. The study contributes to the growing body of knowledge on digital payment adoption and offers practical insights for improving the user experience, particularly in regions with varying digital literacy and technological infrastructure.
Literasi Fintech, Kompetensi Digital, dan Minat Karir Auditor Digital: Pendekatan Theory of Planned Behavior pada Mahasiswa Akuntansi Jumriaty Jusman; Masrahati Masrahati; Ikhsan Purnama; Ahmad Nouruzzaman
Owner : Riset dan Jurnal Akuntansi Vol. 10 No. 1 (2026): Article Research January 2026
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v10i1.3031

Abstract

The rapid digitalization of the accounting and auditing profession has increased demand for digitally skilled auditors, particularly those capable of operating in FinTech-driven environments. This study examines the simultaneous and partial effects of FinTech literacy and digital competency on students’ interest in pursuing a career as a digital auditor, drawing on the Theory of Planned Behavior (TPB) as the underlying theoretical framework. Using a quantitative approach, data were collected from undergraduate accounting students and analyzed using multiple linear regression with SPSS. The results of the F-test indicate that FinTech literacy and digital competency jointly have a significant effect on students’ interest in the digital auditor profession. However, partial testing reveals that both FinTech literacy and digital competency exhibit a negative and significant individual effect on career interest. These findings suggest that higher levels of knowledge and digital skills may simultaneously increase awareness of professional risks, technological complexity, and job demands associated with digital auditing, which in turn can reduce career interest. The results align with TPB by indicating that perceived behavioral control and attitude toward the profession may be shaped not only by competence but also by perceived difficulty and risk. This study contributes to the literature by highlighting the paradoxical role of digital competence and FinTech literacy in career intention formation and provides practical implications for accounting education in designing curricula that balance skill development with career orientation and risk awareness. This study contributes to the literature on digital audit career intentions by demonstrating that advanced digital capabilities may generate ambivalent effects on career interest, particularly through heightened risk perception and job demands. From a practical perspective, the findings imply that accounting curricula and audit education should not only strengthen digital and FinTech competencies but also address career orientation, professional readiness, and realistic perceptions of digital audit work.
Task Clarity, Work Motivation, and Employee Performance: Evidence from the Mediating Role of Work Stress Maria Anastasia; Jumriaty Jusman
Jurnal Ilmu Manajemen Vol. 15 No. 2 (2026): Jurnal Ilmu Manajemen
Publisher : Universitas Muhammadiyah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32502/jim.v15i2.1598

Abstract

This study aims to examine the effects of task clarity and work motivation on employee performance, with work stress serving as a mediating variable, using the perspective of the Job Demands–Resources (JD-R) Theory. The research adopts a quantitative explanatory design and involves all 31 employees of the Martapura City Subdistrict Office as the research sample, applying a saturated sampling technique. Data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results indicate that task clarity has a significant effect on work stress but does not directly influence employee performance. Work motivation is found to have a positive and significant effect on both work stress and employee performance. Furthermore, work stress has a positive and significant effect on employee performance, indicating that manageable levels of stress may function as a challenge stressor that enhances performance. The indirect effect analysis reveals that work stress significantly mediates the relationship between task clarity and employee performance, while its mediating role in the relationship between work motivation and performance is marginally significant. These findings suggest that employee performance is not solely determined by structural and motivational factors but is strongly influenced by psychological mechanisms, particularly work stress. From a theoretical perspective, this study strengthens the JD-R Theory by demonstrating that job and personal resources often affect performance indirectly through stress-related processes. Practically, the results highlight the importance of managing work stress optimally when improving task clarity and work motivation, especially in public sector organizations.
Co-Authors Ahmad Nouruzzaman Firda Nosita Ika Fausiah Ika Fauziah Ikhsan Purnama Maria Anastasia Masrahati Masrahati Nurfadilah Nurfadilah Sinta Devit Puspitasari Sinta Devit Puspitasari Tina Lestari Tina Lestari