Efektivitas Penggunaan QRIS Sebagai Alat Transaksi Digital Di Kota Bima

Authors

  • Puji Muniarty Sekolah Tinggi Ilmu Ekonomi Bima
  • M Syukur Dwiriansyah Sekolah Tinggi Ilmu Ekonomi Bima
  • Wulandari Sekolah Tinggi Ilmu Ekonomi Bima
  • M Rimawan Sekolah Tinggi Ilmu Ekonomi Bima
  • Ovriyadin Sekolah Tinggi Ilmu Ekonomi Bima

DOI:

10.33395/owner.v7i3.1766

Keywords:

E-Money, QRIS, Qualitative

Abstract

Various innovations from today's technological developments continue to diversify in various implementations, especially in the economic sector. Almost all activities in the digitalized era are fast, accurate and efficient. The role of the internet attracts some business actors to switch from traditional business models to online business-based business models as well as inventory with information or physical goods that are modified with electronic products that utilize digital marketing that uses digital technology that has been integrated with new technologies such as smartphones and their supporting applications. . The research objective is to measure the effectiveness of using QRIS as a digital transaction tool in the City of Bima. This type of research is qualitative with purposive sampling. The research sample is millennial generation students who always use QRIS as a means of payment in buying various products or services both online and offline. Interview data collection techniques and literature study. From the results of the interviews it was found that students as a mineral generation did not feel that they were using QRIS in Kota Bima, that in terms of the ease and benefits of using QRIS it was effective, this reflected the results of interviews with informants who stated that they did not find difficulties in using QRIS and even using QRIS made it easier for them to do so. purchase and payment transactions for products/services both online and offline.

Downloads

Download data is not yet available.

        Plum-X Analityc

Author Biographies

Puji Muniarty, Sekolah Tinggi Ilmu Ekonomi Bima

 

 

M Syukur Dwiriansyah, Sekolah Tinggi Ilmu Ekonomi Bima

 

 

Wulandari, Sekolah Tinggi Ilmu Ekonomi Bima

 

 

M Rimawan, Sekolah Tinggi Ilmu Ekonomi Bima

 

 

Ovriyadin, Sekolah Tinggi Ilmu Ekonomi Bima

 

 

References

A.T. Purnomo, Y. S. (2016). Mutual authentication in securing mobile payment system using encrypted QR code based on Public Key Infrastructure. Nternational Conference System.

Afandi, A., Rukmana, L., & Wahidah, W. (2022). Efektivitas Dan Efisiensi Sistem Pembayaran Non Tunai Quick Response Indonesian Standard (Qris) Dalam Mempengaruhi Inklusi Keuangan Mahasiswa. Jurnal Perbankan Dan Keuangan, 3(2), 73–83. http://jurnal.unsil.ac.id/index.php/banku

Alkhowaiter, W. . (2020). Digital payment and banking adoption research in Gulf countries: A systematic literature review. International Journal of Information Management, 53, 102102.

Arner, D. W., Barberis, J., & Buckley, R. P. (2017). FinTech, RegTech, and the Reconceptualization of Financial Regulation. Northwestern Journal of International Law & Business, 37(3), 371–413. https://doi.org/10.1177/0027950111411368

Aryawati, N. P. A., Mahardika, I. M. N. O., & Wibawa, I. G. J. S. (2022). Persepsi Pengguna QRIS Pada UMKM Di Kota Mataram. Guna Sewaka, 1(2), 35–44. https://doi.org/10.53977/jgs.v1i2.668

Azzahroo, R. A., & Estiningrum, S. D. (2021). Preferensi Mahasiswa dalam Menggunakan Quick Response Code Indonesia Standard (QRIS) sebagai Teknologi Pembayaran. Jurnal Manajemen Motivasi, 17(1), 10. https://doi.org/10.29406/jmm.v17i1.2800

Chandra, S., Srivastava, S. C., & Theng, Y.-L. (2010). Evaluating the Role of Trust in Consumer Adoption of Mobile Payment Systems: An Empirical Analysis. Communications of the Association for Information Systems, 27. https://doi.org/10.17705/1cais.02729

Dewi, D. K., Kuncoro, B., & Mahendradi, R. (2018). Efektivitas Dan Efisiensi E-Procurement Dalam Proses Pengadaan Barang/Jasa Di Kabupaten Magelang. JMAN Jurnal Mahasiswa Administrasi Negara, 2(1), 140. http://jom.untidar.ac.id/index.php/jman/article/view/231/86%0Ahttp://jom.untidar.ac.id/index.php/jman/article/view/231

Hidayatullah, S., Waris, A., & Devianti, R. C. (2018). Perilaku Generasi Milenial dalam Menggunakan Aplikasi Go-Food. Jurnal Manajemen Dan Kewirausahaan, 6(2), 240–249. https://doi.org/10.26905/jmdk.v6i2.2560

Insana, D. R. M., & Johan, R. S. (2021). Analisis Pengaruh Penggunan Uang Elektronik Terhadap Perilaku Konsumtif Mahasiswa. Relasi?: Jurnal Ekonomi, 17(2), 413–434. https://doi.org/10.31967/relasi.v17i2.494

Marisa, O. (2020). Persepsi kemudahan penggunaan, efektivitas, dan risiko berpengaruh terhadap minat bertransaksi menggunakan financial technology. Jurnal Administrasi Kantor, 8(2), 139–152. http://www.ejournal-binainsani.ac.id/index.php/JAK/article/view/1448%0Ahttp://www.ejournal-

Mawarrini, R. I. (2017). Identifikasi Pembayaran Bergerak (Mobile Payment) yang Mengganggu (Disruptive) di Indonesia. Perisai?: Islamic Banking and Finance Journal, 1(3), 215–226. https://doi.org/10.21070/perisai.v1i3.1179

Musyafii, A. M., & Kayati. (2019). Dampak Kemudahan dan Risiko Sistem Pembayaran QR Code?: Technology Acceptance Model ( TAM ) Extension masyarakat yang tinggi atas penggunaan ( NFC ), dan One Time Password ( OTP ). dijelaskan melalui gambar 1 dibawah ini?: Jurnal Inspirasi Bisnis Dan Manajemen, 3(2), 161–176. http://jurnal.unswagati.ac.id/index.php/jibm%0ADampak

Parastiti, D. E. P., Mukhlis, M., & Haryono, A. (2015). Analisis Penggunaan Uang Elektronik Pada Mahasiswa Fakultas Ekonomi Universitas Negeri Malang (Studi Kasus: Uang Elektronik Brizzi). Jurnal Ekonomi Dan Studi Pembangunan, 7(1), 75–82.

Patil, P., Tamilmani, K., Rana, N. P., & Raghavan, V. (2020). Understanding consumer adoption of mobile payment in India: Extending Meta-UTAUT model with personal innovativeness, anxiety, trust, and grievance redressal. International Journal of Information Management, 54. https://doi.org/10.1016/j.ijinfomgt.2020.102144

Permatasari, D. P., & Suryaningsih, T. (2023). ANALISIS PENGGUNAAN UANG ELEKTRONIK (Studi Kasus pada Konsumen Theman Coffee and Chips Tulungagung). Jurnal Economina, 2(2), 433–438. https://doi.org/10.55681/economina.v2i2.319

Rahmatika, U., & Fajar, M. A. (2019). Faktor - Faktor Yang Mempengaruhi Minat Penggunaan Electronic Money: Integrasi Model Tam – Tpb Dengan Perceived Risk. Nominal: Barometer Riset Akuntansi Dan Manajemen, 8(2), 274–284. https://doi.org/10.21831/nominal.v8i2.26557

Rastini, N. M., & Respati, N. N. R. (2021). Public Attitudes and Interests in Using Online Transactions (TAM Application And TRA Model). Jurnal Minds: Manajemen Ide Dan Inspirasi, 8(1), 175–190. https://doi.org/10.24252/minds.v8i1.21348

Rizaldi, G., & Agustin, H. (2023). Studi Kualitatif Penggunaan QRIS (Quick Respond Indonesian Standard) dalam Pemungutan ZIS (Zakat, Infaq, dan Shadaqah) (Studi Empiris pada Masjid-Masjid di Kota Padang). Jurnal Eksplorasi Akuntansi (JEA), 5(1), 115–126.

Setiawan, A., Rofingatun, S., & Patma, K. (2020). Pengaruh Persepsi Kemudahaan Penggunaan, Efektivitas, Risiko Terhadap Minat Dan Penggunaan Financial Technologi (Fintech) Dengan Minat Sebagai Variabel Mediasi. Jurnal Akuntansi Dan Keuangan Daerah, 15(2), 35–48. https://doi.org/10.52062/jakd.v15i2.1623

Situngkir, R. (2018). PENGGUNAAN E-MONEY BERDASARKAN UNDANG-UNDANG NOMOR 7 TAHUN 2011 TENTANG MATA UANG. Ilmu Hukum, 3(2), 52–59.

Situru, A. C., Catur, M., & Malik, P. (2023). Pengaruh Minat Penggunaan Payment Quick Response Code Indonesian Standard ( Qris ) Terhadap Masyarakat di Kota Ternate. MANARANG: Jurnal Manajemen Dan Bisnis, 04(April), 140–148.

Sugiyono. (2009). Metode Penelitian Kuantitatif Kualitatif dan R & D. Alfabeta.

Suhendry, W.?; N. (2018). Faktor-faktor yang mempengaruhi penggunaan e- money di Kota Pontianak. Jurnal Equilibrium Manajemen (JEM)., Volume 4 N, 87–97.

Susanto, H., Wathan, H., & Fadhilah, D. (2021). Pengaruh efektivitas dan risiko terhadap minat bertransaksi pada fintech. Jurnal Konferensi Nasional Dan Engineering Polikteknik Negeri Medan, April, 257–262.

Waluyo. (2022). Evaluasi Penggunaan QRIS pada m-Banking Bank Syariah: Pendekatan Technology Acceptance Model. J. Isl. Banking, 2(2), 80–92. https://doi.org/10.54045/mutanaqishah.v2i2.530

Wijaya, E., & Mulyandi, M. R. (2021). Tren Penggunaan Uang Elektronik Terhadap Generasi Milenial. Jurnal Manajemen Bisnis, 18(1), 43–52. https://doi.org/10.38043/jmb.v18i1.2775

Downloads

Published

2023-07-05

How to Cite

Muniarty, P. ., Dwiriansyah, M. S. ., Wulandari, W., Rimawan, M. ., & Ovriyadin, O. (2023). Efektivitas Penggunaan QRIS Sebagai Alat Transaksi Digital Di Kota Bima. Owner : Riset Dan Jurnal Akuntansi, 7(3), 2731-2739. https://doi.org/10.33395/owner.v7i3.1766