ANALISIS KESIAPAN DAN PENERIMAAN QRIS PELAKU UMKM DI KABUPATEN SEMARANG DENGAN TECHNOLOGY READINESS AND ACCEPTANCE MODEL

NUR MALIKHA ULFAH, . (2025) ANALISIS KESIAPAN DAN PENERIMAAN QRIS PELAKU UMKM DI KABUPATEN SEMARANG DENGAN TECHNOLOGY READINESS AND ACCEPTANCE MODEL. Magister thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

ABSTRAK Digitalisasi yang berkembang pesat saat ini menciptakan peralihan pembayaran tunai ke pembayaran elektronik. Untuk menggabungkan berbagai penyedia layanan pembayaran di Indonesia menjadi satu platform kode QR, Bank Indonesia dan Asosiasi Sistem Pembayaran Indonesia (ASPI) menciptakan Quick Response Indonesian Standard (QRIS) dan telah diadopsi oleh 20,6 juta pengguna hingga saat ini, 90% diantaranya adalah UMKM. Namun banyak masyarakat yang bergerak di UMKM belum memahami QRIS dan cara memanfaatkannya, hal ini dikarenakan teknologinya belum siap atau belum diterima. Penelitian ini bertujuan untuk mengkaji kesiapan dan penerimaan pelaku UMKM di Kabupaten Semarang terhadap QRIS. Populasi penelitian ini adalah 6.652 pelaku UMKM yang terdaftar di Dinas Koperasi, Mikro, Perindustrian, dan Perdagangan (Diskumperindag) Kabupaten Semarang. Kriteria yang digunakan untuk menentukan responden adalah pelaku UMKM yang berstatus sebagai pemilik usaha atau karyawan yang terlibat langsung dalam penggunaan QRIS sebagai metode pembayaran. Pemilihan sampel dilakukan secara purposive dengan mempertimbangkan kriteria tersebut. Sebanyak 364 sampel berpartisipasi dalam penelitian ini sebagai responden, dan analisis SEM PLS menggunakan perangkat lunak SmartPLS 4. Hasil penelitian menunjukkan bahwa optimism dan innovativeness memiliki pengaruh positif terhadap perceived usefulness dan perceived ease of use QRIS. Discomfort dan insecurity memiliki pengaruh negatif terhadap perceived usefulness dan perceived ease of use QRIS. Perceived ease of use berpengaruh positif terhadap perceived usefulness dan behavioral intention. Perceived usefulness juga berpengaruh positif terhadap behavioral intention. Penelitian ini memperkuat validitas technology readiness and acceptance model dimana faktor psikologis pengguna memiliki pengaruh persepsi mereka yang kemudian menentukan niat menggunakan QRIS, sehingga memperkuat justifikasi penggunaan model gabungan dalam studi adopsi teknologi. Kata Kunci : Kesiapan, Penerimaan, Technology Readiness and Acceptance Model, QRIS ***** ABSTRAC The rapid development of digitalization has created a shift from cash payments to electronic payments. To combine various payment service providers in Indonesia into one QR code platform, Bank Indonesia and the Indonesian Payment System Association (ASPI) created the Quick Response Indonesian Standard (QRIS) and has been adopted by 20.6 million users to date, 90% of which are MSMEs. However, many people engaged in MSMEs do not understand QRIS and how to use it, this is because the technology is not ready or has not been accepted. This study aims to examine the readiness and acceptance of MSME actors in Semarang Regency towards QRIS. The population of this study was 6,652 MSME actors registered with the Cooperatives, Micro, Industry, and Trade Service (Diskumperindag) of Semarang Regency. The criteria used to determine respondents were MSME actors who had the status of business owners or employees who were directly involved in using QRIS as a payment method. Sample selection was carried out purposively by considering these criteria. A total of 364 samples participated in this study as respondents, and the SEM PLS analysis used SmartPLS 4 software. The results showed that optimism and innovativeness have a positive effect on perceived usefulness and perceived ease of use of QRIS. Discomfort and insecurity have a negative effect on perceived usefulness and perceived ease of use of QRIS. Perceived ease of use has a positive effect on perceived usefulness and behavioral intention. Perceived usefulness also has a positive effect on behavioral intention. This study strengthens the validity of the technology readiness and acceptance model where psychological factors of users have an influence on their perceptions which then determine the intention to use QRIS, thus strengthening the justification for using a combined model in technology adoption studies.. Keywords: Readiness, Acceptance, Technology Readiness and Acceptance Model, QRIS

Item Type:	Thesis (Magister)
Additional Information:	1). Adam Zakaria, S.E.,M.Si.,Ph.D.,Ak.,CA.,CFrA.,QIA.,CRP. ; 2). Dr. Ayatulloh Michael Musyaffi, S.E.,M.Ak.
Subjects:	Ilmu Sosial > Perdagangan, e-commerce > Akuntansi
Divisions:	FE > S2 Akuntansi
Depositing User:	Nur Malikha Ulfah .
Date Deposited:	11 Aug 2025 01:45
Last Modified:	11 Aug 2025 01:45
URI:	http://repository.unj.ac.id/id/eprint/56776

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