PENGARUH LITERASI KEUANGAN PERSEPSI KEMUDAHAN DAN PERSEPSI RISIKO TERHADAP KEPUTUSAN QRIS PADA USAHA MIKRO KECAMATAN BANGLI

Ni Komang Latri Yudani; Ade Maharini Adiandari; Made Ayu Desy Geriadi

doi:10.47329/jurnalmbe.v12i2.1932

Authors

Ni Komang Latri Yudani Universitas Ngurah Rai
Ade Maharini Adiandari Universitas Ngurah Rai
Made Ayu Desy Geriadi Universitas Ngurah Rai

DOI:

https://doi.org/10.47329/jurnalmbe.v12i2.1932

Keywords:

Financial Literacy, Perceived Ease of Use, Perceived Risk, Decision to Use QRIS

Abstract

The development of digital technology has accelerated the transformation of payment systems toward cashless transactions through the use of the Quick Response Code Indonesian Standard (QRIS). Although QRIS adoption continues to increase, its utilization among micro enterprises is still influenced by several factors, including financial literacy, perceived ease of use, and perceived risk. This study aims to analyze the influence of financial literacy, perceived ease of use, and perceived risk on the decision to use QRIS among micro enterprises in Bangli District. This study employed a quantitative approach with a causal associative research design. The population consisted of micro enterprises in Bangli District that use QRIS. The sampling technique used was purposive sampling, resulting in a sample of 90 respondents. Data were collected through questionnaire distribution. The data were analyzed using multiple linear regression analysis with the assistance of Statistical Package for Social Science (SPSS) version 26.0. The results indicate that financial literacy has a positive and significant effect on the decision to use QRIS. Perceived ease of use has a positive and significant effect on the decision to use QRIS. Perceived risk also has a positive and significant effect on the decision to use QRIS. Simultaneously, financial literacy, perceived ease of use, and perceived risk significantly influence the decision to use QRIS among micro enterprises in Bangli District. Financial literacy, perceived ease of use, and perceived risk explain 73.4 percent of the variation in the decision to use QRIS, while the remaining 26.6 percent is explained by other variables outside the scope of this study. The findings suggest that improving financial literacy, enhancing system usability, and managing perceived risk effectively can encourage micro enterprises to adopt QRIS in their business transaction activities.

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