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Romauli Nainggolan
Universitas Ciputra
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TECHNOLOGY ACCEPTANCE MODEL (TAM): THE EFFECT OF FINANCIAL LITERACY ON EFFECTIVENESS OF USING QRIS ON MSME OWNERS IN INDONESIA Santoso, Vebrillia; Nainggolan, Romauli
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 7 No 4 (2023): IJEBAR, Vol. 7 Issue 4, December 2023
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v7i4.11550

Abstract

The purpose of this research is to analyze the impact of Financial literacy to the effectiveness of using QRIS that Technology Acceptance Model (TAM) as moderation variable, study on MSME owners in Indonesia. This research is quantitative and involves 3 variables. The independent variable is Financial literacy, the moderating variable is Technology Acceptance Model (TAM) and the variable dependent is the Effectiveness of using QRIS. The data analysis technique for this research uses Structure Equation Modeling (SEM). The sample for this research was determined using purposive sampling, with the sample criteria being MSME owners using QRIS in micro businesses in 4 (four) cities in Indonesia. A total of 204 MSME owners using QRIS participated in the research, coming from the cities of Medan, Bali, Makassar and Bali. The research instrument used a questionnaire distributed to MSME owners. The results of this research reveal that financial literacy has a positive effect on the effectiveness of using QRIS for MSME owners in Indonesia. Second, TAM can neither strengthen nor weaken the influence of financial literacy on the effectiveness of using QRIS for MSME owners in Indonesia.
Co-Authors anastasia cresentia Candra, Dwi Ayu Christiani, Natalia Christina Sudyasjayanti Christina Whidya Utami Cynthia Komala Ardy Deandra Vidyanata Deby Gunawan Dewi Mustikasari Immanuel Dyah Wulan Sari Endi Sarwoko Etha Rambung Febry, Timotius Gusto Benyamin Messakh Hanna Tabita Hasianna Silitonga Harny, Dhia Henry Susanto Pranoto I Gusti Bagus Yosia I Gusti Bagus Yosia Irantha Hendrika Kenang Karmila Ayu Wardani Keith Justine Thiotansen Kesumawati, Leni Krismi Budi Sienatra Laij Victor Effendi Liliana Dewi Maha, Linna Metta Padmalia Murpin Josua Sembiring Natalia Christina Novalita Fransisca Tungka Pakpahan, Rotua Pujiati, Rina Rismawati br Sitepu Santoso, Vebrillia Siahaan, Salmon Charles P.T. Sienatra, Krismi Sinurat, Samfrianti Sitepu, Rismawati Soetedja, Venny Sutrisno, Evelin Syarifah, Diana Teofilus Teofilus, Teofilus Vebrillia Santoso Wasiaturrahma, Wasiaturrahma Yasinta, Komang Lola Yuli Kartika Dewi