Analisis Manfaat Sistem Pembayaran dengan QRIS pada UMKM di Provinsi Nusa Tenggara Barat
DOI:
https://doi.org/10.36312/4c774e82Keywords:
UMKM, TAM, QRIS, Pembayaran ElektronikAbstract
Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi minat pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) di Provinsi Nusa Tenggara Barat (NTB) dalam menggunakan sistem pembayaran QRIS. Metode yang digunakan adalah deskriptif kuantitatif dengan kuesioner yang disebarkan kepada 89 pelaku UMKM yang terdaftar. Hasil penelitian menunjukkan bahwa mayoritas responden adalah pemilik usaha (90,9%), dengan 83,3% usaha sudah memiliki Nomor Induk Berusaha (NIB). Sebagian besar responden menggunakan QRIS yang diterbitkan oleh bank (88,6%), dan 67,6% telah menggunakan QRIS kurang dari dua tahun. Minat untuk terus menggunakan QRIS di masa depan cukup tinggi, dengan 92,6% responden berencana untuk melanjutkan penggunaannya. Faktor utama yang memengaruhi penggunaan QRIS adalah kemudahan pemrosesan, keamanan, dan kenyamanan transaksi. Namun, kendala seperti ketergantungan pada jaringan internet dan gangguan sistem juga dilaporkan oleh sebagian besar responden. QRIS dianggap mempermudah pembayaran dan mengurangi risiko uang palsu. Meskipun begitu, beberapa masalah terkait biaya tambahan dan ketidakyakinan atas transaksi masih ada. Penelitian ini menyarankan peningkatan infrastruktur teknologi dan edukasi lebih lanjut untuk meningkatkan adopsi QRIS di kalangan UMKM di NTB.
Evaluating the Benefits of QRIS Payment System for Micro, Small, and Medium Enterprises in West Nusa Tenggara
Abstract
This study aims to analyze the factors influencing the interest of Micro, Small, and Medium Enterprises (MSMEs) in West Nusa Tenggara Province (NTB) in using the QRIS payment system. The research method used is descriptive quantitative, with a questionnaire distributed to 89 registered MSME owners. The results show that the majority of respondents are business owners (90.9%), with 83.3% of businesses already having a Business Identification Number (NIB). Most respondents use QRIS issued by banks (88.6%), and 67.6% have been using QRIS for less than two years. The interest in continuing to use QRIS in the future is quite high, with 92.6% of respondents planning to continue using it. The main factors influencing the use of QRIS are the ease of processing, security, and convenience of transactions. However, challenges such as dependence on internet connectivity and system disruptions were also reported by a majority of respondents. QRIS is considered to simplify payments and reduce the risk of counterfeit money. However, some issues related to additional costs and uncertainty regarding transactions still remain. This study suggests improving technology infrastructure and further education to enhance the adoption of QRIS among MSMEs in NTB.
Downloads
References
Afifah, S., Nurcholisah, K., & Pramono, I. (2023). Pengaruh tingkat pendidikan, ukuran usaha dan sosialisasi sak emkm terhadap penyusunan laporan keuangan. Jurnal Riset Akuntansi, 117-122. https://doi.org/10.29313/jra.v3i2.2800
Ahmad. N.. Roslin. R. I.. & Nazrin. N. F. S. (2021). Analysing The Drivers Affecting The Intention To Use Online Zakat Payment Among Muslim In Shah Alam. Selangor. International Journal of Islamic Business. 6(1). 32-48.
Alawiye-Adams, A. A., & Ibitoye, O. (2013). Revenue Generation and the Cashless Policy. Dapat diakses dari SSRN: https://ssrn.com/abstract=2370511 or http://dx.doi.org/10.2139/ssrn.2370511
Bagis, A., Surasni, K., Santoso, B., & Arifah, N. (2023). Membangun viabilitas bisnis dengan kekuatan modal maya pelaku ukm di era triple disruption: kasus para pelaku umk di nusa tenggara barat. Jurnal Pengabdian Masyarakat Sains Indonesia, 4((1)), 1-8. https://doi.org/10.29303/jpmsi.v4i(1).174
Davis. F. D. (1986). A technology acceptance model for empirically testing new end-user information systems: Theory and results. (Doctoral dissertation. Sloan School of Management. Massachusetts Institute of Technology).
Ekaputra, P., Ciptosari, F., & Halim, T. (2024). Adopsi teknologi pembayaran digital qris di kalangan umkm labuan bajo: tantangan dan peluang. JAVOK, 3(2), 1-13. https://doi.org/10.63604/javok.v3i2.138
Georgescu, M., & Georgescu, I. E. (2004). The Emergence of Electronic Payment Systems for the Growth of E-Business. International Symposium Economics and Management of Transformation. Dapat diakses dari SSRN: https://ssrn.com/abstract=903622
Guspian, I. and Zahri, T. (2025). Trends and digital innovation: analyzing the impact of e-commerce and social media on the growth of handicraft msmes. Jutisi Jurnal Ilmiah Teknik Informatika Dan Sistem Informasi, 14(1), 175. https://doi.org/10.35889/jutisi.v14i1.2478
Huda, N. and Syamsinirwani, S. (2019). Pengembangan jejaring wirausaha dalam meningkatkan kinerja unit usaha mikro kecil dan menengah di kota bima. Distribusi - Journal of Management and Business, 7(2), 251-260. https://doi.org/10.29303/distribusi.v7i2.93
Humphrey, D. B., Sato, S., Tsurumi, M., & Vesala, J. M. (1996). The Evolution of Payments in Europe. Japan. and the United States: Lessons for Emerging Market Economies. World Bank Policy Research Working Paper No. 1676. Dapat diakses dari SSRN: https://ssrn.com/abstract=620558
John A., & Rothchild. (2016). Research Handbook on Electronic Commerce Law. Edward Elgar. 2016. Forthcoming; University of Washington School of Law Research Paper No. 2015-29. Dapat diakses dari SSRN: https://ssrn.com/abstract=2655728
Judijanto, L., Arisanti, I., Papia, J., & Abidin, Z. (2023). Influence of sustainable leadership, social factors and technological infrastructure on msme business sustainability in the modern era. International Journal of Business Law and Education, 5(1), 90-104. https://doi.org/10.56442/ijble.v5i1.357
Jumba, J., & Wepukhulu, J. M. (2019). Effect of Cashless Payments on the Financial Performance of Supermarkets in Nairobi County. International Journal of Academic Research Business and Social Sciences. 9(3). 1372–1397
Karim, N. K., Atikah, S., & Lenap, I. P. (2020). Pembayaran Elektronik Non-Bank dan Kontribusinya Terhadap Akuntabilitas pada UMKM di Kota Mataram. Laporan Penelitian PNBP 2020.
Karim, N. K., Atikah, S., & Lenap, I. P. (2021). Faktor-faktor yang Memengaruhi Penggunaan Pembayaran Elektronik Non Bank. Laporan Penelitian PNBP 2021.
Karim, N. K., Atikah, S., & Lenap, I. P. (2022). Analisis Faktor-faktor yang Memengaruhi Minat Penggunaan Pembayaran Zakat Daring. Laporan Penelitian PNBP 2021.
Kendall, J., Lyon, B., & Higgins, D. (2012). Mobile Money Usage Patterns of Kenyan Small and Medium Enterprises. Dapat diakses dari SSRN: https://ssrn.com/abstract=2116481 or http://dx.doi.org/10.2139/ssrn.2116481
M, A. R., Rini, H. S., Triatmaja, M. F., & Riswan, R. (2023). Pengaruh financial technology, e-commerce, literasi keuangan dan penggunaan sistem informasi akuntansi terhadap kinerja umkm di kabupaten batang dengan pengetahuan akuntansi sebagai variabel moderasi. Neraca, 19(2), 29-47. https://doi.org/10.48144/neraca.v19i2.1684
Mantel, B. (2000) Why Don't Consumers Use Electronic Banking Products? Towards a Theory of Obstacles. Incentives. and Opportunities (September 2000). FRB of Chicago Working Paper No. EPS-2000-1. Dapat diakses dari SSRN: https://ssrn.com/abstract=256736 or http://dx.doi.org/10.2139/ssrn.256736
Mantel, B., & McHugh, T. (2001). Competition and Innovation in the Consumer E-Payments Market? Considering the Demand. Supply. and Public Policy Issues. Federal Reserve Bank of Chicago Public Policy Working Paper No. EPS-2001-4. Dapat diakses dari SSRN: https://ssrn.com/abstract=298388 or http://dx.doi.org/10.2139/ssrn.298388
Mas, I., & Rotman, S. (2008). Going Cashless at the Point of Sale: Hits and Misses in Developed Countries. CGAP Focus Note. No. 51. December 2008. Dapat diakses dari SSRN: https://ssrn.com/abstract=1655284
Masduki, M., Narimawati, U., & Syafei, M. (2024). Knowledge sharing pada kinerja usaha mikro kecil dan menengah di kabupaten majalengka dengan pemoderasi adopsi sistem. Jurnal Soshum Insentif, 7(1), 14-30. https://doi.org/10.36787/jsi.v7i1.1413
Nabila, R., Jayadi, S., Hadi, M., Fitrianingsih, R., & Ramdani, A. (2023). Sertifikasi halal bagi produk umkm di desa nyurlembang, kabupaten lombok barat. Journal of Applied Community Engagement, 3(2), 63-68. https://doi.org/10.52158/jace.v3i2.639
Polasik, M., & Fiszeder, P. (2010). Factors Determining the Acceptance of Payment Methods by Online Shops in Poland. Dapat diakses dari SSRN: https://ssrn.com/abstract=1541202or http://dx.doi.org/10.2139/ssrn.1541202
Putri, A. and Setyawan, I. (2024). Pengaruh modal kerja dan akses pendanaan terhadap kinerja umkm di kecamatan prambanan kabupaten klaten. Jurnal Manajemen Bisnis Dan Kewirausahaan, 8(1), 228-240. https://doi.org/10.24912/jmbk.v8i1.28422
Raj, A., Shukla, D., Quadir, A., & Sharma, P. (2024). What drives the adoption of digital technology in the micro, small, and medium enterprises sector in a developing economy?. Journal of Business and Industrial Marketing, 39(9), 1984-2002. https://doi.org/10.1108/jbim-09-2023-0512
Sahrul, E. and Nuringsih, K. (2023). Peran e-commerce, media sosial dan digital transformation untuk peningkatan kinerja bisnis umkm. Jurnal Muara Ilmu Ekonomi Dan Bisnis, 7(2), 286-299. https://doi.org/10.24912/jmieb.v7i2.23293
Sahut, J. M. (2008). The Adoption and Diffusion of Electronic Wallets (April 5. 2008). Journal of Internet Banking and Commerce. Vol. 13. No. 1. April 2008. Dapat diakses dari SSRN: https://ssrn.com/abstract=1755499
Sumanjeet, S. (2009). Emergence of Payment Systems in the Age of Electronic Commerce: The State of Art. Global Journal of International Business Research. Vol. 2. No. 2. 2009. Dapat diakses dari SSRN: https://ssrn.com/abstract=1536620
Utami, B., Gumanti, M., Dewi, N., Nanda, A., Astuti, S., Rahsel, Y., … & Pratama, Y. (2022). Pelatihan pengelolaan keuangan berbasis teknologi informasi bagi umkm di desa margodadi. Near Jurnal Pengabdian Kepada Masyarakat, 1(2), 93-99. https://doi.org/10.32877/nr.v1i2.431
Widyastuti, D. and Irwansyah, M. (2018). Benefits and challenges of cloud computing technology adoption in small and medium enterprises (smes).. https://doi.org/10.2991/bcm-17.2018.46
Winn. J. (2015). Mobile Payments and Financial Inclusion: Kenya. Brazil. and India as Case Studies.
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Nina Karina Karim, Siti Atikah, Indria Puspitasari Lenap
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with Empiricism Journal agree to the following terms:
- For all articles published in Empiricism Journal, copyright is retained by the authors. Authors give permission to the publisher to announce the work with conditions. When the manuscript is accepted for publication, the authors agrees to implement a non-exclusive transfer of publishing rights to the journals.
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
