Arga, Abdulloh Ma’aruf (2024) PENGARUH PERCEIVED USEFULNESS DAN PERCEIVED RISK TERHADAP USAGE DECISION QUICK RESPONSE CODE INDONESIAN STANDARD (QRIS) SEBAGAI DIGITAL PAYMENT DENGAN DIGITAL FINANCIAL LITERACY SEBAGAI VARIABEL MODERASI DALAM PERSPEKTIF BISNIS ISLAM (Studi Pada Pelaku UMKM Di Indonesia). Diploma thesis, UIN RADEN INTAN LAMPUNG.
Full text not available from this repository.Abstract
ABSTRAK Seiring dengan perkembangan digitalisasi saat ini, penggunaan teknologi QRIS sebagai digital payment menjadi tren positif bagi konsumen dan pelaku usaha di Indonesia atau yang lebih dikenal dengan sistem cashless. Namun, dari sisi transaksi dan penggunannya masih belum optimal. Rumusan masalah dalam penelitian ini yaitu: Apakah perceived usefulness, perceived risk berpengaruh terhadap usage decision QRIS pada pelaku UMKM di Indonesia, apakah digital financial literacy memoderasi hubungan antara perceived usefulness, perceived risk terhadap usage decision QRIS pada pelaku UMKM di Indonesia, dan bagaimana perceived usefullnes, perceived risk, usage decision, dan digital financial literacy dalam perspektif bisnis islam. Penelitian ini bertujuan untuk menganalisis pengaruh perceived usefulness, perceived risk, dan digital financial literacy terhadap usage decision QRIS sebagai digital payment serta tinjauannya dalam perspektif bisnis islam. Penelitian ini menggunakan metode kuantitatif. Jumlah sampel sebanyak 100 responden yang ditentukan melalui rumus Lemeshow. Metode analisis datanya menggunakan SmartPLS 3. Adapun uji analisis data yang digunakan yaitu uji validitas, uji reliabilitas, dan uji hipotesis. Hasil penelitian ini menunjukan bahwa perceived usefulness berpengaruh postif dan signifikan terhadap usage decision QRIS, perceived risk berpengaruh negatif dan tidak signifikan terhadap usage decision QRIS, digital financial literacy tidak memoderasi hubungan perceived usefulness dan perceived risk terhadap usage decision QRIS, dalam perspektif bisnis islam penggunaan QRIS halal untuk digunakan selama tidak ada dalil yang melarang dan tidak ada transaksi haram di dalamnya. QRIS juga dapat memberikan kemaslahatan bagi masyarakat karena dapat membuat transaksi menjadi lebih mudah, cepat, dan praktis. Kata Kunci: Perceived Usefulness, Perceived Risk, Usage Decision, Digital Financial Literacy iii ABSTRACT Along with the current development of digitalization, the use of QRIS technology as a digital payment has become a positive trend for consumers and businesses in Indonesia or better known as the cashless system. However, in terms of transactions and usage, it is still not optimal. The formulation of the problem in this study is: Does perceived usefulness, perceived risk affect QRIS usage decisions for MSME players in Indonesia, does digital financial literacy moderate the relationship between perceived usefulness, perceived risk on QRIS usage decisions for MSME players in Indonesia, and how perceived usefullness, perceived risk, usage decisions, and digital financial literacy in an Islamic business perspective. This study aims to analyze the influence of perceived usefulness, perceived risk, and digital financial literacy on QRIS usage decisions as digital payments and their review in an Islamic business perspective.This study used quantitative methods. The sample size of 100 respondents is determined through the Lemeshow formula. The data analysis method uses SmartPLS 3. The data analysis tests used are validity tests, reliability tests, and hypothesis tests. The results of this study show that perceived usefulness has a positive and significant effect on QRIS usage decisions, perceived risk has a negative and insignificant effect on QRIS usage decisions, digital financial literacy does not moderate the relationship of perceived usefulness and perceived risk on QRIS usage decisions, in an Islamic business perspective the use of halal QRIS is used as long as there are no prohibitive reasons and there are no haram transactions in it. QRIS can also provide benefits for the community because it can make transactions easier, faster, and more practical. Keywords: Perception of Usefulness, Perception of Risk, Usage Decision, Digital Financial Literac
| Item Type: | Thesis (Diploma) |
|---|---|
| Subjects: | Manajemen Bisnis Syariah |
| Divisions: | Fakultas Ekonomi dan Bisnis Islam > Manajemen Bisnis Syariah |
| Depositing User: | LAYANAN PERPUSTAKAAN UINRIL REFERENSI |
| Date Deposited: | 20 Mar 2024 06:21 |
| Last Modified: | 20 Mar 2024 06:21 |
| URI: | http://repository.radenintan.ac.id/id/eprint/32821 |
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