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All Journal Nanggroe: Journal Of Scholarly Service Nanggroe: Journal of Scholarly Service Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management
Sitepu, Fahriani Astuti
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The Influence of Perception of Benefits and Sharia Principles on the Intention to Use QRIS Sharia in Halal MSMEs Pradesyah, Riyan; Sitepu, Fahriani Astuti; Ismail, Abdul Hadi
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.689

Abstract

The development of digital payment technology has encouraged the presence of QRIS Syariah as a payment system that not only offers easy transactions but also ensures compliance with sharia principles. This study aims to analyze the influence of Perceived Benefits and Sharia Principles on the Intention to Use QRIS Syariah in halal MSMEs. This study used a quantitative approach by distributing a questionnaire containing 30 statements to 35 halal MSME respondents. The data obtained were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method through the SmartPLS application. The results of the outer model test showed that all indicators in the three variables had outer loading values ​​above 0.70 so that the instrument was declared valid and reliable. The R-Square value of 0.648 indicates that Perceived Benefits and Sharia Principles are able to explain 64.8% of the variation in Intention to Use QRIS Syariah. In hypothesis testing, Perceived Benefits have a positive but insignificant influence on usage intention, indicated by a t-statistic value of 1.282. Conversely, Sharia Principles have a positive and significant influence with a t-statistic of 2.604, making it the most dominant factor in driving the intention to use Sharia QRIS. This finding indicates that for halal MSMEs, Sharia compliance is a primary consideration in adopting Sharia digital payment services, while technical benefits are not yet a fully determining factor. This study implies that the development and socialization strategy for Sharia QRIS needs to emphasize Sharia values ​​to increase user interest among halal MSMEs.
The Influence of Perception of Benefits and Sharia Principles on the Intention to Use QRIS Sharia in Halal MSMEs Pradesyah, Riyan; Sitepu, Fahriani Astuti; Ismail, Abdul Hadi
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.689

Abstract

The development of digital payment technology has encouraged the presence of QRIS Syariah as a payment system that not only offers easy transactions but also ensures compliance with sharia principles. This study aims to analyze the influence of Perceived Benefits and Sharia Principles on the Intention to Use QRIS Syariah in halal MSMEs. This study used a quantitative approach by distributing a questionnaire containing 30 statements to 35 halal MSME respondents. The data obtained were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method through the SmartPLS application. The results of the outer model test showed that all indicators in the three variables had outer loading values ​​above 0.70 so that the instrument was declared valid and reliable. The R-Square value of 0.648 indicates that Perceived Benefits and Sharia Principles are able to explain 64.8% of the variation in Intention to Use QRIS Syariah. In hypothesis testing, Perceived Benefits have a positive but insignificant influence on usage intention, indicated by a t-statistic value of 1.282. Conversely, Sharia Principles have a positive and significant influence with a t-statistic of 2.604, making it the most dominant factor in driving the intention to use Sharia QRIS. This finding indicates that for halal MSMEs, Sharia compliance is a primary consideration in adopting Sharia digital payment services, while technical benefits are not yet a fully determining factor. This study implies that the development and socialization strategy for Sharia QRIS needs to emphasize Sharia values ​​to increase user interest among halal MSMEs.
Creating Resilient and Creative Human Resources for MSME Actors in Perk. Bukit Lawang Village Adriansyah, T. Muhammad; Yusuf, Daniel; Rahmayati, T. Elfira; Asyraini, Siti; Sitepu, Fahriani Astuti
Nanggroe: Jurnal Pengabdian Cendikia Vol 4, No 10 (2026): January
Publisher : Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18491187

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are one of the business units that play an important role in driving economic growth. This is because MSMEs contribute to employment absorption, play a role in income distribution, and serve as a socio-economic platform for the community. The strategic role of MSMEs as a pillar of the people’s economy lies in their great potential to stimulate community economic activities and simultaneously become a primary source of income for most people in improving their welfare. This study aims to examine how MSME capital and business management are carried out, as well as human resource development strategies for MSME actors in Perk. Bukit Lawang Village. The results of this study indicate that MSME actors in Perk. Bukit Lawang manage business capital by implementing capital planning strategies and recording transactions manually. In managing their businesses, MSME actors in Perk. Bukit Lawang apply several strategies, namely product quality, pricing, location, and promotion strategies. Furthermore, the strategies of the local government in developing human resources for MSME actors include mentoring programs, training, business capital assistance, and the provision of work equipment.
Creating Resilient and Creative Human Resources for MSME Actors in Perk. Bukit Lawang Village Adriansyah, T. Muhammad; Yusuf, Daniel; Rahmayati, T. Elfira; Asyraini, Siti; Sitepu, Fahriani Astuti
Nanggroe: Jurnal Pengabdian Cendikia Vol 4, No 10 (2026): January
Publisher : Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18491187

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are one of the business units that play an important role in driving economic growth. This is because MSMEs contribute to employment absorption, play a role in income distribution, and serve as a socio-economic platform for the community. The strategic role of MSMEs as a pillar of the people’s economy lies in their great potential to stimulate community economic activities and simultaneously become a primary source of income for most people in improving their welfare. This study aims to examine how MSME capital and business management are carried out, as well as human resource development strategies for MSME actors in Perk. Bukit Lawang Village. The results of this study indicate that MSME actors in Perk. Bukit Lawang manage business capital by implementing capital planning strategies and recording transactions manually. In managing their businesses, MSME actors in Perk. Bukit Lawang apply several strategies, namely product quality, pricing, location, and promotion strategies. Furthermore, the strategies of the local government in developing human resources for MSME actors include mentoring programs, training, business capital assistance, and the provision of work equipment.
Co-Authors Adriansyah, T. Muhammad Asyraini, Siti Ismail, Abdul Hadi Pradesyah, Riyan T. Elfira Rahmayati, T. Elfira Yusuf, Daniel