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All Journal Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) JMK Jurnal Manajemen dan Kewirausahaan Interdisciplinary Social Studies
Wulansari, Kristin
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Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Public Health Social Sciences

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READINESS TO ADOPT QRIS AMONG MSMES IN SAMARINDA: AN EMPIRICAL ANALYSIS Wulansari, Kristin; Shoimah, Siti; Agustiningtyas, Eka; Suryadi, I Gede Iwan; Rahajaan, Thomas Evi Viktor
ECOBISMA (JURNAL EKONOMI, BISNIS DAN MANAJEMEN) Vol 11, No 2 (2024): ECOBISMA
Publisher : Published by the Faculty of Economics and Business, University of Labuhanbatu, North Sumat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/ecobi.v11i2.5880

Abstract

Quick Response Code Indonesian Standard (QRIS), developed by Bank Indonesia and the Indonesian Payment System Association, is a versatile payment system that accepts transactions from both bank and non-bank sources. Given the increasing competitive business environment and the necessity for efficient and swift payment systems, Micro, Small, and Medium Enterprises (MSMEs) need to be prepared to adopt QRIS. This study aims to assess the readiness of MSMEs in Samarinda to implement QRIS. The research employs the Technology Acceptance Model (TAM) with the inclusion of a trust variable. Primary data were collected from 220 respondents and analyzed using AMOS. The study examines six variables: trust, perceived usefulness, perceived ease of use, attitude, behavioral intention, and adoption system. Eight hypotheses were tested, all showing significant effects: trust on perceived ease of use, trust on perceived usefulness, perceived ease of use on perceived usefulness, trust on attitude, perceived ease of use on attitude, perceived usefulness on attitude, attitude on behavioral intention, and behavioral intention on the adoption system. The findings suggest that the readiness of MSMEs to adopt QRIS is crucial for accelerating national economic recovery post-COVID-19, particularly for MSMEs in Samarinda. The adoption of QRIS is expected to enhance the efficiency and effectiveness of payment systems, contributing to the overall growth and competitiveness of MSMEs.
Taxpayers’ Trust on Rural and Urban Lands and Building Tax Online Payment Using QRIS Wulansari, Kristin; Kalangit, Della Olivia Caterina; Satryawati, Satryawati; Kawuryan, Renita
Interdisciplinary Social Studies Vol. 2 No. 2 (2022): Regular Issue
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/iss.v2i2.321

Abstract

Background: Quick Response Code Indonesian Standard or commonly abbreviated as QRIS is the unification of various QR types from various Payment System Service Providers (PJSP) using a QR Code, QRIS can accept all payments from anywhere, both Bank and Non-Bank (Fintech), The Regional Revenue Service of Samarinda City applies QRIS as one of the means of payment of The Rural and Urban Land and Building Tax. Aim: This study was conducted to measure the confidence of taxpayers in accepting QRIS for The Rural and Urban Land and Building Tax Payment. The model used in this study is the Technology Acceptance Model (TAM) with the addition of the trust variable. Method: The data used are primary data obtained through distributing questionnaires to 180 respondents using QRIS as a means of paying The Rural and Urban Land and Building Tax in Samarinda City, where the implementation of the results of the research on the main respondents aged 25-45 years. There are five variables used in this study, namely perceived usefulness, perceived ease of use, intention to use, application use, and trust. Findings: The results obtained are Perceived Usefulness and Perceived Ease of Use have a significant influence on Attitude Toward Using. The Attitude Toward Using variable has a significant effect on Behavioral Intention To Use, and the Trust variable has a significant influence on Perceived Usefulness, Perceived Ease of Use, and Behavior Intention to Use. This means that Trust affects the use of QRIS every day and in the future.
Retail Attributes, Attitude, Purchase Intention, and Purchase Decision: An SOR Perspective Kalangit, Della Olivia Caterina; Wulansari, Kristin; Pristanti, Heldina
JMK (Jurnal Manajemen dan Kewirausahaan) Vol 11 No 3 (2026): September
Publisher : Universitas Islam Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32503/jmk.v11i3.9286

Abstract

The rapid growth of Indonesia’s beauty retail industry has increased competition among retailers to provide product assortments and shopping experiences that encourage consumers to make purchase decisions. The purpose of this study is to provide evidence on how product diversity, visual merchandising, customer services affects purchase decision on Sociolla consumers in Indonesia, while also showing the role of attitude and purchase intention as psychological variables in SOR framework. A quantitative explanatory design was employed using data from 174 Sociolla consumers selected through purposive sampling. Data were analyzed using Structural Equation Modeling (SEM) with AMOS. The results indicate that diversity in products has an important effect on the consumers’ attitude and purchase decision. Customer service significantly affects purchase intention but does not significantly affect attitude or purchase decision. Furthermore, attitude significantly affects purchase decision, whereas its effect on purchase intention is not significant. Purchase intention significantly affects purchase decision. The estimated indirect effects indicate different pathways between retail attributes and purchase decision, although they do not constitute formal evidence of mediation without statistical significance testing. Theoretically, the findings extend the application of SOR theory in beauty retail. Practically, retailers should integrate product assortment, visual merchandising, and customer service strategies to strengthen consumer responses and purchase decisions.
Co-Authors Agustiningtyas, Eka Kalangit, Della Olivia Caterina Kawuryan, Renita Pristanti, Heldina Rahajaan, Thomas Evi Viktor Satryawati, Satryawati Siti Shoimah Suryadi, I Gede Iwan