Literasi Keuangan dan Keamanan dalam Keputusan Penggunaan QRIS pada UMKM di Yogyakarta

Ratna Dewi Kumalasari(1*), Riduwan Riduwan(2), Aftoni Sutanto(3)
(*) Corresponding Author

DOI: 10.24269/iso.v8i2.2899


Abstract


Penelitian ini bertujuan untuk mengeksplorasi dan menganalisis pengaruh literasi keuangan dan keamanan terhadap keputusan penggunaan ǪRIS pada UMKM di Yogyakarta. Penelitian ini menggunakan pendekatan kuantitatif asosiatif. Data primer diperoleh melalui penyebaran kuesioner secara daring kepada 106 responden yang dipilih dari pelaku UMKM di Yogyakarta dengan menggunakan metode purposive sampling. Analisis data menggunakan teknik regresi linear berganda. Hasil penelitian ini menunjukkan bahwa literasi keuangan dan keamanan secara signifikan mempengaruhi keputusan penggunaan ǪRIS oleh pelaku UMKM di Yogyakarta. Hasil uji t dan uji F mengonfirmasi bahwa literasi keuangan yang baik dan keamanan yang tinggi masing-masing memiliki dampak positif terhadap keputusan adopsi ǪRIS, dan keduanya secara bersamaan menunjukkan pengaruh yang signifikan. Hal ini menegaskan bahwa untuk meningkatkan adopsi ǪRIS, penting bagi pelaku UMKM untuk memiliki pemahaman keuangan yang memadai serta merasa yakin mengenai keamanan sistem yang digunakan.


Keywords


Literasi keuangan; Keamanan; UMKM Yogyakarta; Keputusan Penggunaan QRIS; Teknologi pembayaran

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