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All Journal Akuntabilitas: Jurnal Ilmiah Ilmu-Ilmu Ekonomi Indonesian Journal of Entrepreneurship & Startups
Anidya Ilmi Febriyanti
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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Using the Qris Bri Mobile Payment Method to Increase Profitability of MSMEs Anidya Ilmi Febriyanti; Mochammad Isa Anshori
Indonesian Journal of Entrepreneurship and Startups Vol. 2 No. 2 (2024): July 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijes.v2i2.10224

Abstract

Electronic money and QRIS (Quick Response Code Indonesia Standard) are digital payment tools that are increasingly popular in Indonesia. Electronic money, stored in digital form on a chip or server, facilitates transactions with greater speed and convenience than cash. QRIS, introduced by Bank Indonesia, unites various digital wallet applications in one QR code, making it easier for merchants to accept payments from various digital platforms. QRIS BRI Mobile, an innovation from Bank BRI, supports MSME profitability by expanding markets, increasing efficiency, transparency and reducing operational costs. The implementation of QRIS BRI Mobile not only helps MSMEs increase efficiency and reduce operational costs, but also opens up new opportunities to increase revenue and profitability. The suggestions from this research are to increase education and socialization of the use of electronic money and QRIS to the public, as well as encouraging the development of security features and ease of transactions by banks and payment service providers. Apart from that, adaptive regulations that support innovation from the government and related institutions are also needed to encourage economic growth and financial inclusion in Indonesia.
MANAJEMEN KEUANGAN UMKM: LOVE OF MONEY, FINANCIAL SELF-EFFICACY, DAN FINANCIAL TECHNOLOGY PAYMENT Anidya Ilmi Febriyanti; Moh. Zaki Kurniawan; Safrizal, Helmi Buyung Aulia
AKUNTABILITAS: Jurnal Ilmiah Ilmu-Ilmu Ekonomi Vol 17 No 1 (2025): Akuntabilitas
Publisher : Universitas Islam Balitar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35457/akuntabilitas.v17i1.4024

Abstract

Penelitian ini ditujukan dalam rangka menyelidiki pengaruh Love of Money, Financial Self-Efficacy, dan Financial Technology Payment terhadap manajemen keuangan UMKM di Madura. UMKM memiliki peran penting dalam perekonomian lokal, namun sering menghadapi tantangan dalam pengelolaan keuangan akibat keterbatasan pengetahuan finansial. Data dikumpulkan dengan metode observasi, wawancara, dan penyebaran kuesioner kepada 100 pelaku UMKM di Kabupaten Pamekasan. Penelitian ini mengungkapkan bahwa secara parsial, ketiga variabel independen tersebut memberikan pengaruh positif dan signifikan terhadap manajemen keuangan UMKM. Secara simultan, kombinasi Love of Money, Financial Self-Efficacy, dan Financial Technology Payment juga memberi pengaruh signifikan terhadap pengelolaan keuangan. Studi ini menunjukkan, peningkatan orientasi terhadap uang, kepercayaan diri dalam mengelola keuangan, serta pemanfaatan teknologi pembayaran dapat memperbaiki praktik manajemen keuangan di kalangan UMKM Madura. Namun, penelitian ini memiliki keterbatasan, antara lain hanya dilakukan di satu kabupaten sehingga tidak mewakili seluruh wilayah Madura, serta adanya beberapa item kuesioner yang kurang dipahami oleh responden. untuk itu, disarankan agar penelitian dilakukan lebih lanjut dengan cakupan wilayah yang lebih luas dan penyusunan kuesioner yang lebih jelas.
Co-Authors Anshori, Mochammad Isa Kurniawan, Moh. Zaki Safrizal, Helmi Buyung Aulia