Pengaruh Efisiensi Transaksi dan Persepsi Manfaat terhadap Keputusan Menggunakan QRIS oleh UMKM (Studi pada UMKM Kota Medan)

Abstract

Technology development is changing the overall behavior of modern humans including consumers’ behavior that utilizes product based on efficiency and benefits when engaging activities such as digital transactions. Increasing users’ number of digital transaction systems is driving MSMEs’ partisipants in Indonesia to use these systems massively. Bank Indonesia launched QRIS, expected to support MSMEs in advancing businesses, cities, and the country’s economy. However, MSMEs’ partisipants in Medan City are reluctant to use the tool due to constraints namely administrative costs, errors, and being considered less efficient and beneficial when compared to cash or bank transfers during transactions. This study aims to examine the relationship between Transaction Efficiency and Perceived Benefits with Usage Decision QRIS by MSMEs’ partisipants in Medan. Researcher want to understand the influence of both factors on business partisipants’ decision to use the tool either individually or simultaneously. This research conducted using quantitative method with associative approach. Primary data collected through distribution of questionnaires to 96 samples selected using purposive sampling techniques, while secondary data obtained through references and previous researches. Data analyzed using instrument with classical assumption testing, multiple linear regression analysis, and regression model testing. The research results indicate that Transaction Efficiency and Perceived Benefits have positive and significant influence on Usage Decision individually and simultaneously with level of association and significance as 86.9% and 75% respectively. Based on the regression model, it can be understood that the decision to use QRIS won’t emerge if lacks efficiency and is considered not beneficial in business activities.