Faktor-Faktor Yang Mempengaruhi Intensitas Penggunaan QRis Pada UMKM di Wilayah Kota Jember

Abstract

This study aims to examine the effects of financial literacy, digital financial literacy, perceived financial transparency, and perceived risk on the intensity of QRIS usage among Micro, Small, and Medium Enterprises (MSMEs) in the urban area of Jember. This research is classified as explanatory research, which seeks to explain the relationship between independent and dependent variables through hypothesis testing. The population of this study consisted of all MSME owners using QRIS in Jember Regency. The study employed a non-probability sampling technique using incidental sampling, involving 108 respondents from the districts of Sumbersari, Kaliwates, and Patrang. The data used were quantitative data analyzed using multiple linear regression analysis with the assistance of SPSS software. The results indicate that financial literacy and digital financial literacy have a significant effect on the intensity of QRIS usage among MSMEs. Perceived financial transparency has a significant negative effect on the intensity of QRIS usage, while perceived risk has no significant effect on the intensity of QRIS usage among MSMEs in the urban area of Jember.