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All Journal Jurnal Studi Manajemen dan Bisnis JURNAL ECONOMINA
Mira Aprila
Universitas Metamedia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Determinants of Consumer Intention to Adopt Digital Payment in Culinary MSMEs Elisa Daniati Edison; Mira Aprila; Nur Azizah
Jurnal Studi Manajemen dan Bisnis Vol 13, No 1 (2026): Juni
Publisher : Trunojoyo University of Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/jsmb.v13i1.34968

Abstract

The growing development of digital payment platforms has transformed the way consumers conduct transactions and has further accelerated the digital transformation of MSMEs. Although QRIS has been widely adopted across Indonesia, empirical evidence regarding the psychological factors that shape consumers’ intentions to utilize this payment method, particularly within the culinary MSME sector, remains limited. This research investigates the effects of perceived usefulness and perceived ease of use on consumers’ intention to adopt QRIS, while also assessing the mediating role of attitude in this association. The study involved 150 respondents who had previously used QRIS when making transactions at culinary MSMEs in Padang, Indonesia. Using a quantitative research design, the proposed model was analyzed through PLS-SEM. The results demonstrate that perceptions of usefulness and ease of operation both play a significant role in shaping positive attitudes toward QRIS usage. Perceived ease of use emerged as the strongest antecedent of attitude. In addition, attitude was found to significantly influence behavioral intention, suggesting that positive evaluations of QRIS play an important role in encouraging future usage. Perceived usefulness directly enhances consumers’ intention to use QRIS; however, the influence of perceived ease of use on behavioral intention was not found to be statistically significant. Further analysis reveals that attitude fully mediates the association between perceived ease of use and behavioral intention and partially mediates the linkage between perceived usefulness and behavioral intention. These findings suggest that consumers’ adoption decisions are not solely driven by functional benefits or technological simplicity but are largely influenced by the positive attitudes developed through their interaction with the payment system. This study enriches the digital payment and technology adoption literature by demonstrating the importance of attitudinal mechanisms in explaining QRIS adoption behavior within developing country MSME contexts.
PENGARUH HUBUNGAN ANTARA KETIMPANGAN PENDAPATAN, PENGURANGAN KEMISKINAN DAN PERTUMBUHAN EKONOMI: SEBUAH PERSPEKTIF DARI INDONESIA Hesty Aisyah; M. Dahniel Dahlan; Mira Aprila
JURNAL ECONOMINA Vol. 2 No. 12 (2023): JURNAL ECONOMINA, Desember 2023
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v2i12.1065

Abstract

Di negara-negara berkembang, permasalahan ketimpangan pendapatan dan pertumbuhan ekonomi yang dinamis sangat mempengaruhi masalah kemisikinan. Salah satu upaya untuk menangani masalah kemiskinan adalah dengan cara meminimalisir ketimpangan pendapatan. Beberapa kebijakan pemerintah telah berfokus pada redistribusi pendapatan yang harus dilaksanakan oleh pemerintah untuk mendukung keluarga berpenghasilan rendah. Peningkatan ketimpangan pendapatan dikaitkan dengan pertumbuhan ekonomi. Untuk pembangunan ekonomi, ketimpangan pendapatan yang tinggi sangat penting karena mengurangi manfaat pertumbuhan ekonomi bagi masyarakat miskin. Meningkatnya ketimpangan pendapatan dan meluasnya kemiskinan merupakan isu utama dalam proses pembangunan. Tujuan utama sebagian besar kebijakan pertumbuhan ekonomi adalah untuk mengurangi masalah ini. Penelitian ini menggunakan pendekatan data panel dinamis dan menggunakan data selama 13 tahun dari periode mulai dari 2010 sampai dengan 2022. Dari hasil analisis, tingkat kemiskinan dan pendapatan memiliki kecenderungan menurun. Tujuan utama dari penelitian ini adalah untuk menyelidiki peran pertumbuhan ekonomi dan ketimpangan pendapatan dalam pengentasan kemiskinan di Indonesia. Tersirat dari hasil penelitian bahwa pendapatan masyarakat miskin seharusnya tidak menjadi satu-satunya fokus negara untuk mengurangi kemiskinan. Seharusnya, ada kebijakan pemerintah untuk meningkatkan penyediaan fasilitas yang diperlukan dan peningkatan angka harapan hidup untuk mengurangi angka kemiskinan di Indonesia.
Co-Authors Elisa Daniati Edison Hesty Aisyah M. Dahniel Dahlan Nur Azizah