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All Journal Jambura Economic Education Journal
Marshella, Ayu
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Economics, Econometrics & Finance Education Social Sciences

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Penggunaan Qris Pada UMKM: Tinjauan Kajian Literasi, Layanan Dan Preferensi Pengguna. Marshella, Ayu; Burhan, Aditya
Jambura Economic Education Journal Vol 8, No 1 (2026): January 2026
Publisher : Gorontalo State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/jeej.v8i1.32252

Abstract

This study aims to analyze the factors influencing the decision to use QRIS (Quick Response Code Indonesian Standard) in transactions among Micro, Small, and Medium Enterprises (UMKM), The variables examined include financial literacy, service quality, lifestyle, security, and ease of use. A quantitative approach was employed using a survey method through the distribution of questionnaires to 199 QRIS users within the UMKM sector in Jakarta. Data were analyzed using multiple linear regression to identify the influence of each variable. The results indicate that lifestyle, security, and ease of use have a positive and significant affect on the decision to use QRIS, while financial literacy and service quality do not show a significant influence. These findings suggest that an understanding of the digital lifestyle as well as perceptions of security and technological convenience are key determinants in driving QRIS adoption among UMKM. The implications of this study highlight the importance of digital lifestyle education and enhancing security features to encourage broader QRIS usage within the UMKM sector.
Co-Authors Burhan, Aditya