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All Journal Majalah Ilmiah Warta Dharmawangsa Jurnal Ekuivalensi Jurnal Ilmiah Manajemen Kesatuan International Journal on Social Science, Economics and Art Jurnal Ekonomi Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Jurnal Bina Bangsa Ekonomika Jurnal Pengabdian Masyarakat : Pemberdayaan, Inovasi dan Perubahan Jurnal Ekonomi, Akuntasi dan Manajemen Indonesia(JEAMI) Journal of Finance Integration and Business Independence
Tyus Windi Ayuni
Politeknik Unggul LP3M
Religion Humanities Biochemistry, Genetics & Molecular Biology Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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The Effectiveness of Quick Response Code Indonesian Standard (QRIS) in Increasing MSME Transactions at Car Free Day in Merdeka Square, Medan Windi Ayuni, Tyus; Ibrahim Mallam Fali; Rahima Br Purba; Amin Hou; Adi Harianto
Journal of Finance Integration and Business Independence Vol. 2 No. 1 (2026): Journal of Finance Integration and Business Independence
Publisher : YAYASAN BINA BISNIS NUSANTARA MEDAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64276/jofibi.v2i1.95

Abstract

This study aims to analyze the effectiveness of the use of the Quick Response Code Indonesian Standard (QRIS) in creasing MSME transactions at Car Free Day in Lapangan Merdekea, Medan City. The independent variables in this study are the ease use of QRIS and trust in the use of QRIS, while the dependent variable is the increase in MSME transactions. This study is motivated by the development of digital technology, which has encouraged the transformation of non-cash payment systems in the MSME sector. Although QRIS has been widely adopted, several obstacles still exist, such as limited techonological understanding and low levels of trust in digital payment systems. This study employed a quantitative research method with an associative approach. The population consisted of all culinary business actors at Car Free Day in Lapangan Merdeka, Medan City. The sampling technique used purposive sampling with a total 45 respondents. Data were collected through questionnaires and analyzed using Structural Equation Modelling (SEM) based on Smart PLS. the results indicate that the ease of use of QRIS has a positive and significant effect on increasing MSME transactions, with a path coefficient value of 0.612 an a p-value of 0.000. trust in the use of QRIS also has a positive and significant effect on increasing MSME transactions, with a path coefficient value of 0.684 and a p-value of 0.000. Furthermore, the ease of use and trust in the use of QRIS simultaneously enhance the effectiveness of MSME transactions at Car Free Day in Lapangan Merdeka, Medan City. This study shows that the ease of use and trust in QRIS are important factors in increasing the adoption of digital payments among MSMEs. The use of QRIS provides convenience, security, transcation efficiency and supports the digital transformarion of MSMEs in the digital economy era.
The Influence of the Implementation of Simple Accounting and Financial Literacy on Increasing the Income of MSMEs in East Medan Berupilihen Br Ginting; Tyus Windi Ayuni; Adi Harianto; Amin Hou; Rafida Khairani
Jurnal Ekonomi, Akuntasi dan manajemen Indonesia (JEAMI) Vol. 4 No. 02 (2026): Jurnal Ekonomi, Akuntasi dan Manajemen Indonesia (JEAMI) 2026
Publisher : SEAN Institute

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Abstract

This study seeks to analyze the influence of simple accounting practices and financial literacy on the income growth performance of micro, small, and medium enterprises (MSMEs) in Medan Timur. Simple accounting is operationalized through key indicators, including systematic record-keeping, preparation of financial reports, and consistency in bookkeeping practices. Financial literacy is assessed based on the level of understanding of fundamental financial concepts, financial planning capabilities, and the ability to make informed financial decisions in business contexts. Meanwhile, income growth performance is measured using indicators such as increased sales, profit growth, and overall financial stability. The study adopts a quantitative research design, employing a survey method as the primary data collection technique. A total of 75 MSME actors in Medan Timur were selected as respondents using purposive sampling. Data were gathered through structured questionnaires specifically developed to measure the research variables. The collected data were subsequently analyzed using multiple linear regression to evaluate the magnitude and significance of the relationships between variables. The findings reveal that both the implementation of simple accounting and financial literacy exert a positive and statistically significant effect on MSME income growth. Accurate and consistent financial recording enables business owners to better monitor and control their financial performance, while a higher level of financial literacy enhances their capacity to make strategic and effective financial decisions. These results underscore the importance of strengthening basic accounting practices and improving financial knowledge as key drivers for sustainable income growth and long-term business development among MSMEs in Medan Timur.
Co-Authors , Rahima Br Purba Adi Harianto Amin Hou Anggraini, Dwi Pertiwi Br Ginting, Berupilihen Chaniago, Sabaruddin Deva Djohan Harnjo, Eddy Ibrahim Mallam Fali Kawuri, Sri Manda Dwipayani Bhastary Mhd Restu Razaq Razaq Muhammad Fauzan Azhmy Nasib Nazah, Khairatun Rafida Khairani Ratih Amelia Rivai, Ahmad Sari, Devi Purnama Widy Hastuty HS