RESLAJ: Religion Education Social Laa Roiba Journal
Vol. 6 No. 11 (2024): RESLAJ: Religion Education Social Laa Roiba JournalĀ 

Dampak Penggunaan Quick Response Code Indonesia Standard Bagi Kinerja UMKM Nasabah KUR PT. Pegadaian Cabang Wonosobo

Baiq Uswatunnisa Citraninggrat (University of Mataram)
Siti Aisyah Hidayati (University of Mataram)



Article Info

Publish Date
03 Nov 2024

Abstract

This study aims to analyze the impact of using the Quick Response Code Indonesia Standard on the Performance of MSMEs that are customers of the KUR at PT. Pegadaian Wonosobo Branch. Utilizing a quantitative approach, this research collected data through survey using non-probability sampling techniques to obtain a representative sample of the population of MSME in Wonosobo and Banjarnegara Regency who use QRIS. The QRIS variable indicators include ease of use, understanding, satisfaction, and security, while the MSME performance indicators encompass profitability, number of customers, sales volume, and asset growth. Data analysis was conducted using SmartPLS 4 software to test the hypotheses and research model. The results indicate that the use of Quick Response Code Indonesia Standard has a positive and significant impact on improving MSME performance, with a coefficient value of 0.839, a t-statistic of 19.085 and p-value of 0.000. these findings suggest that the implementation of QRIS facilitates more efficient and secure transaction processes and contributes to increase profitability, customer number, sales and assets of MSMEs that are KUR customers.

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Journal Info

Abbrev

reslaj

Publisher

Subject

Religion Economics, Econometrics & Finance Education Environmental Science Social Sciences

Description

RESLAJ: Religion Education Social Laa Roiba Journal is a scientific journal of the National Islamic Institute of Religion (IAI-N) Laa Roiba Bogor. Managed by the Institute of Research and Community Service (LPPM) IAI-N Laa Roiba in colaboration witf Intelectual Association for Islamic Studies ...