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All Journal Jurnal Manarang Manajemen dan Bisnis International Journal of Economics, Business and Innovation Research
Malik, Mahardika Catur Putriwana
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Other

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Pengaruh Minat Penggunaan Payment Quick Response Code Indonesian Standard (QRIS) terhadap Masyarakat di Kota Ternate Situru, Agatha Christy; Malik, Mahardika Catur Putriwana
Jurnal Manarang Manajemen dan Bisnis Vol 1 No 02 (2023): Manarang : Manajemen & Bisnis - April
Publisher : Universitas Sulawesi Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31605/jurnal manarang.v1i02.2695

Abstract

The purpose of this research is to find out the interest in using the Payment Quick Response Code Indonesian Standard (QRIS) for the people in Ternate City. The casual study analysis method becomes a method in this study by using a quantitative approach. The perceived benefits gained by using QRIS can improve job performance by making digital payments efficient and effective.The perception of security that exists in using QRIS makes someone want to use it in a cash payment system for non-cash payments because apart from the benefits you get there is also the perceived security in using the technology.
Financial Literacy and MSME Sustainability: From Basic Knowledge to Savings, Credit, Investment, and Insurance Jeandry, Gregorius; Malik, Mahardika Catur Putriwana
International Journal of Economics, Business and Innovation Research Vol. 3 No. 05 (2024): International Journal of Economics, Business and Innovation Research (IJEBIR)
Publisher : Cita konsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to explore the impact of financial literacy on the sustainability of Micro, Small, and Medium Enterprises (MSMEs) in Ternate City, focusing on basic knowledge as well as strategies related to savings, credit, investment, and insurance. Employing multiple regression analysis, the study involves a sample of 104 MSMEs selected through purposive sampling from the sectors of food and beverage, fashion, and retail. Descriptive statistics reveal that most MSMEs operate for 6 to 10 years with capital below IDR 50 million and primarily fund themselves through personal funds. Regression results indicate that Basic Financial Literacy and Savings and Credit Literacy have a significant positive impact on MSME sustainability, while Investment and Insurance Literacy do not show significant effects. These findings highlight the importance of enhancing basic financial knowledge and understanding of savings and credit to support MSME sustainability while suggesting the need for more intensive educational programs regarding investment and insurance. The study's limitations include its geographic scope and lack of consideration of external factors, such as macroeconomic conditions, indicating the need for further research with a broader scope and additional variables.
Co-Authors Agatha Christy Situru Jeandry, Gregorius