FAKTOR-FAKTOR YANG MEMENGARUHI NIAT MENGGUNAKAN QRIS PADA KANTIN UNIVERSITAS X

SANTI SETRIYANI, . (2026) FAKTOR-FAKTOR YANG MEMENGARUHI NIAT MENGGUNAKAN QRIS PADA KANTIN UNIVERSITAS X. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Digital Financial Literacy, Perceived Usefulness, Perceived Ease of Use, dan Perceived Security terhadap Behavioral Intention dalam menggunakan Quick Response Code Indonesian Standard (QRIS) pada pelaku UMKM Kantin Universitas X serta menghasilkan model platform digital “Kantin Pinter” sebagai solusi konseptual dalam mendukung implementasi QRIS. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei. Data dikumpulkan dari 69 responden yang merupakan pelaku UMKM pengguna QRIS di lingkungan Kantin Universitas X. Teknik pengambilan sampel yang digunakan adalah purposive sampling. Data dikumpulkan melalui kuesioner yang disebarkan secara daring dan luring. Teknik analisis data yang digunakan adalah Structural Equation Modeling (SEM) dengan pendekatan Partial Least Squares (PLS) menggunakan software SmartPLS 4. Hasil penelitian menunjukkan bahwa Digital Financial Literacy tidak berpengaruh signifikan terhadap Behavioral Intention dalam menggunakan QRIS. Perceived Usefulness berpengaruh positif dan signifikan terhadap Behavioral Intention dalam menggunakan QRIS. Perceived Ease of Use tidak berpengaruh signifikan terhadap Behavioral Intention dalam menggunakan QRIS. Perceived Security berpengaruh positif dan signifikan terhadap Behavioral Intention dalam menggunakan QRIS. Model penelitian memiliki nilai koefisien determinasi (R²) sebesar 0,752 yang menunjukkan bahwa variabel Digital Financial Literacy, Perceived Usefulness, Perceived Ease of Use, dan Perceived Security mampu menjelaskan 75,2% variasi Behavioral Intention dalam menggunakan QRIS. Berdasarkan hasil analisis, dirancang model platform digital berupa purwarupa (prototype) aplikasi “Kantin Pinter” yang dirancang dengan fitur edukasi QRIS, monitoring transaksi, verifikasi pembayaran, dan informasi keamanan transaksi guna mengoptimalkan penggunaan QRIS pada UMKM kantin kampus. Penelitian ini merekomendasikan agar pengelola kantin, universitas, dan pelaku UMKM lebih memfokuskan implementasi QRIS pada aspek manfaat dan keamanan, serta didukung oleh sistem digital yang mampu meningkatkan edukasi dan monitoring transaksi secara berkelanjutan. ***** This study aims to analyze the influence of Digital Financial Literacy, Perceived Usefulness, Perceived Ease of Use, and Perceived Security on Behavioral Intention to Use the Quick Response Code Indonesian Standard (QRIS) among MSME owners at University X canteens and to produce the “Kantin Pinter” digital platform model as a conceptual solution to support QRIS implementation. This study employed a quantitative approach using a survey method. Data were collected from 69 respondents consisting of MSME owners who use QRIS in the University X Canteen environment. The sampling technique used was purposive sampling. Data were collected through online and offline questionnaires. The data analysis technique used was Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) approach using SmartPLS 4. The results indicate that Digital Financial Literacy has no significant effect on Behavioral Intention to Use QRIS. Perceived Usefulness has a positive and significant effect on Behavioral Intention to Use QRIS. Perceived Ease of Use has no significant effect on Behavioral Intention to Use QRIS. Perceived Security has a positive and significant effect on Behavioral Intention to Use QRIS. The research model achieved a Coefficient of Determination (R²) of 0.752, indicating that Digital Financial Literacy, Perceived Usefulness, Perceived Ease of Use, and Perceived Security explain 75.2% of the variance in Behavioral Intention to Use QRIS. Based on the findings, a prototype of the “Kantin Pinter” application was developed, featuring QRIS education, transaction monitoring, payment verification, and transaction security information to support the optimization of QRIS usage among campus canteen MSMEs. This study recommends that canteen management, universities, and MSME owners focus on the usefulness and security aspects of QRIS implementation, supported by digital systems that enhance continuous education and transaction monitoring.

Item Type:	Thesis (Sarjana)
Additional Information:	1). DIENA NOVIARINI, MMSI.; 2). RINGGA SENTAGI ASA, SPd., M.Kom.
Subjects:	Ilmu Sosial > Ilmu Sosial (Umum) Ilmu Sosial > Teori Ekonomi Ilmu Sosial > Sejarah Ekonomi, Kondisi Ekonomi Ilmu Sosial > Keuangan Ilmu Sosial > Kondisi Sosial,Masalah Sosial,Reformasi Sosial Manajemen > Manajemen , Business Manajemen > Pendidikan, Riset Penelitian Bisnis Manajemen > Perilaku Konsumen
Divisions:	FE > S1 Bisnis Digital
Depositing User:	Santi Setriyani .
Date Deposited:	19 Aug 2026 04:18
Last Modified:	19 Aug 2026 04:18
URI:	http://repository.unj.ac.id/id/eprint/71405

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