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Alfi Syahrin, Alfi
Universitas Almuslim
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Journal : Journal Islamic Economics Ad Diwan

 1 
PENGARUH LITERASI KEUANGAN, KEMUDAHAN, DAN KEAMANAN TERHADAP KEPUTUSAN BERTRANSAKSI MENGGUNAKAN QRIS PADA UMKM DI BSI UMKM CENTER ACEH: Pengaruh Literasi Keuangan, Kemudahan, Dan Keamanan Terhadap Keputusan Bertransaksi Menggunakan Qris Pada UMKM Di Bsi UMKM Center Aceh Alfi Syahrin; Marlizar; Sulfitra
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 4 No 2 (2025): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v4i2.1638

Abstract

This study aims to analyze the influence of financial literacy, ease of use, and security on the decision to transact using QRIS among MSMEs (Micro, Small, and Medium Enterprises) at the BSI MSME Center in Aceh, both partially and simultaneously. The research employs a quantitative approach with descriptive and causal methods. Data were collected through questionnaires distributed to 84 MSME respondents at the BSI MSME Center in Aceh, selected using purposive sampling techniques. Data analysis includes validity and reliability tests, multiple linear regression analysis, and partial and simultaneous hypothesis testing. The results reveal that financial literacy does not have a significant partial effect on the decision to transact using QRIS, while ease of use has a positive and significant partial effect. Security also does not significantly influence the decision to transact. However, simultaneously, financial literacy, ease of use, and security significantly influence the decision to transact using QRIS. The implications of this study highlight the importance of enhancing the ease of use of QRIS through interface simplification and user training, as well as strengthening financial literacy and security to support the adoption of digital payment technologies among MSMEs. These findings can serve as a reference for Bank Syariah Indonesia, the government, and payment service providers in designing educational programs and technological advancements to promote QRIS usage in the MSME sector.
Co-Authors A., Rahmah Abdul Wahid Abdul Wahid Abdur Rahman Abdurrahman Abdurrahman ade Putri Ramadhani Afria Liza Agus Susanta Aida Fitri Al Iqlima Al-Anshori Akbar Sigalingging Alawiyah Alawiyah Alfia Ramadhani Siregar Ali Sodiqin Alifah Nahda Allyah Annisa Alridiwirsah Amin, Wansa Aminah Aminah Amri, Muhammad Adimas Amru bin As Amru Bin As Aris Munandar Aryesha, Vinny Asniah Asniah Asniah Asniah Ayu Wandari Azhari Azhari Azhari Azhari Azzaki Abubakar, Azzaki Bahri, Saiful Cut Khairani Dawud Dawud Dewi Maritalia Diana Lase Dinda Yovanda Dwi Aulia Anjani Dwi Pasma Dwi Utari Edi Noviar ELIZA ZUHRA Elsa Arwand Erdyan Jaya Maulana Erlangga Ezmar Ezmar Ezmar Ezmar, Ezmar Ezra Inawati Barus Fadhlullah Fadhlullah Farhati Farihin Farihin Fauzah Fauzah Fauzah Fauzah, Fauzah Fauzi Yusuf, Fauzi Fauziatul Halim Fauziatul Halim Fikri Sya’bana Daulay Fina Meilinar Fina Meilinar Firdayani Sianturi Fitri, Miftahul Hakimi, Abdul Rahim Halim, Fauziatul Hanna Maria Sirega Harfiandi, Harfiandi Hariki Fitrah Hasan Hasan Hasnidar Hasrianti, Andi Heri Suwignyo Hermansyah Hermansyah Heryn Tiwa Novelin T Hijrah Purnama Sari Ariga Hijrah Purnama Sari Ariga,S.Pd.,M.Si Hotman Geovani Siahaan Ida Nuraeni Imam Muhammad Amhar Imamshadiqin, Imamshadiqin Imanullah Indah Masri Iskandar Iskandar Islamudin, Islamudin Israimi Israimi Khairani, Cut Lia Maharani Libran, Muhammad Akbar Lisa Ariana Liyatin Nisa M. Fikri Jaka Pratama Maghfirah, Desi Mahmud Mulyadi Manurung, Erwin Ferry Marhaeni Fajar Kurniati Maria Ulfa Marlizar Marwan Marwan Marwansyah, Marwansyah Masjidah Khoiriah Hasibuan Masri, Ulta Masyarah Melgia, Cut Alia Mawaddah Meilinar, Fina Melindawati Melindawati Mohammad Apriniyadi Mona Carvina Muhammad Darwis Muhammad H Muhammad Iqbal Muhammad Luthfi Muhammad Ridha Muhammad Rizky Ramadhan Muhammad Untung Ritonga Muharramsyah, Rambang Mukhlis Mukhlis Mukhlis Mukhlis Muntadir Muntadir Muntaird Munzilin Munzilin mursal Musa, Januar Musrizal Musrizal Musrizal, Musrizal Mutia Wati Nadia Ulfa Naila Zavira Naina Munacia Naipospos, Dodi Wahyu Nasrullah Nasrullah Nasrullah Nasrullah Nazaruddin Nazaruddin Nengsi Rajagukguk Nia Astuti Ningsih, Novia Septia Norwahyuliadi, Dedi Novita Hidayani Novysa Basri Novysa Basri Novysa Basri Nur Afni Safarina Nurma Yuwita Nurmina Nurmina Nurul Husna Oktrivina, Amelia Pramesti, Enggar Purba, Hans Nehemia Natanail Purnomo, Avisena Gatot Rahmat Efendi Rahmi Hayati Rahmi Novalita Rakhmadiansyah Rakhmadiansyah Rakhmadiansyah, Rakhmadiansyah Ramadansyah, Syahrul Rani Valencia Bangun Renarti Panjaitan Resmi Pangaribuan Riandi Marisa Risanu, Ribut Rizana Rudy Juli Saputra Ruslan Ruslan Safrida Safrida Salpina Saputra, Fathur Satria Saputra, Rudy Juli Sari Rizki Selli Sahfitri selli, selli1401 Sembiring, M Ari Juanda Sharfina Sharfina Silvi Listia De Silvi Listia Dewi Simaharani Simaharani Simanjuntak, Delima Mariaigo Siregar, Dodi Fanhalen Sitanggang, Maura Linda Siti Mukarramah Sonia Anjelina Sukri Syamsuri, Andi Sulfitra Sumanti Sumanti, Sumanti Suryati Suryati Suryati Suryati Takdir Ali Syahbana Ulhaq, Muhammad Zia Umul Aiman Usman M Usman Usman Vinny Aryesha Wansa Amin Win Konadi Yudho Andika Yusransal*, Yusransal Yusrimuddin, Yusrimuddin Zahara Zahra Zeta Donita Zaidat, Farah Zunuanis Zunuanis Zunuanis