Analisis Persepsi Penggunaan Qris (Quick Response Indonesia Standard) Sebagai Alat Transaksi UMKM di Kota Bajawaj

COMSERVA Jurnal Penelitian dan Pengabdian Masyarakat, Journal Year: 2024, Volume and Issue: 3(09), P. 3449 - 3463

Published: Jan. 14, 2024

Perkembangan teknologi informasi telah merubah sebagian besar gaya hidup masyarakat Indonesia mulai dari pedesaan sampai ke perkotaan termsuk penggunaan transaksi pembayaran dengan QRIS semakin banyak diminati. Hal ini terlihat yang meningkat pesat hingga saat ini, menurut data Bank tahun 2022, (BI) mencatat, total volume sejak awal September 2022 mencapai 281,7 juta kali. Penelitian bertujuan untuk mengetahui persepsi sebagai alat UMKM di kota Bajawa. menggunakan pendekatan kualitatif deskriptif metode pengumpulan wawancara, observasi, dan dokumentasi. Hasil penelitian menunjukan bahwa adanya sangat membantu para pelaku ada Kota diberikan NTT BRi terutama dalam pembukuan, hal lainnya yaitu mempermudah transkasi, cepat aman serta meningkatkan pendapatan bagi UMKM. Namun terdapat beberapa kendala dialami oleh sehingga menghambat proses seperti jaringan internet kurang stabil biaya potongan bank sebesar 0,5% diberlakukan kepada

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Cashless Society Sebagai Pemoderasi Pengaruh Fintech Payment Gateway Terhadap Kinerja Keuangan UMKM di Kota Denpasar

Moneter - Jurnal Akuntansi dan Keuangan, Journal Year: 2023, Volume and Issue: 10(1), P. 32 - 41

Published: April 4, 2023

The MSME sector impotant a strategic role in supporting the national economy by absorbing labor and sharing development outcomes. In of sector, Covid-19 pandemic has affected resilience sustainability SMEs. Entrepreneurs are driven to ability innovate using sophistication technology their business.The purpose this research is identify influence variables fintech payment gateway on financial performance MSMEs Denpasar City cashless society moderate between City. population culinary field 9.679 business units. Determining sample purposive sampling determining number samples solvin formula yields 99 respondents. Research material was collected distributing questionnaires through google forms. data analysis technique study uses simple regression MRA SPSS. results show that 1) variable positive significant effect small medium enterprises city Denpasar. 2) can moderated strengthen SMEs city. Keywords: Fintech Payment Gateway, Financial Performance MSME, Cashless Society

Language: Английский

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Z Generation's Intention to Use Zakat Digital Payment: The Mediating Effect of Trust

ZISWAF Jurnal Zakat dan Wakaf, Journal Year: 2022, Volume and Issue: 9(2), P. 171 - 171

Published: Dec. 31, 2022

<p><em>The goal of this study was to examine the variables that may affect Muslims in Z generation's desire make digital zakat payments. The UTAUT theory employed study. PLS-SEM used analyze data and test hypothesis. 158 users payment systems responded survey total. study's findings indicate while performance expectancy has no impact on intention pay through payments, effort expectancy, social influence, conducive conditions, trust do. Additionally, promotes conditions mediates effects behavioral intention, but it does not mediate expectations or expectations.</em></p>

Language: Английский

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IMPLEMENTASI NEAR FIELD COMMUNICATION (NFC) UNTUK PEMBAYARAN RETRIBUSI TEMPAT KHUSUS PARKIR DI DINAS PERHUBUNGAN KOTA DUMAI BERBASIS E-MONEY

Sebatik, Journal Year: 2022, Volume and Issue: 26(1), P. 139 - 146

Published: June 1, 2022

Pos Retribusi Tempat Khusus Parkir di Unit Pelaksana Teknis (UPT) Perparkiran Dinas Perhubungan Kota Dumai, merupakan tempat pemungutan retribusi Pendapatan Asli Daerah (PAD) sektor khusus parkir. Terdapat beberapa masalah yang terjadi dapat dilihat pada proses pembayaran masih manual dan banyak kebocoran saat transaksi berdampak terhadap menurunnya realisasi dari target PAD telah ditetapkan. Penelitian ini memanfaatkan teknologi NFC (Near Field Communication) sebagai media non tunai berupa Kartu Elektronik (e-money) dalam melakukan parkir Parkir. Diharapkan Aplikasi Smart dengan Card terintegrasi pihak perbankan akan membantu efisien waktu petugas secara tunai. Sehingga seluruh realtime nantinya monitoring via desktop maupun mobile oleh pihak-pihak terkait mulai dari; bendahara penerima, Kepala UPT. Perparkiran, sampai akhirnya memudahkan kontrol perolehan pencapaian PAD. Berdasarkan hasil pengujian dilakukan, maka disimpulkan bahwa fungsional sistem dibangun Sebagai Dumai berjalan sesuai diharapkan efektifitas pelayanan lakukan pengemudi kendaraan angkutan barang cukup menggunakan taping (e-money).

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Pengaruh Financial Attitude dan Self Control Terhadap Financial Management Behavior dalam Penggunaan Layanan Pay Later: Studi Pengguna Kredivo di Kota Surabaya

Al-Kharaj Jurnal Ekonomi Keuangan & Bisnis Syariah, Journal Year: 2024, Volume and Issue: 6(6)

Published: June 1, 2024

Kredivo is one of the pay later service applications in Indonesia and reasons people use because its easy terms, but this will result waste debt accumulation which affect credit reputation due to not being able manage finances (financial management behavior). The purpose study anticipate attitude individual by analyzing individuals managing deciding their attitude) also seen from ability control themselves against spending (self control). This type research uses associative quantitative approaches. sample used amounted 160 respondents obtained through filling out a questionnaire using Google form with non probability sampling technique purposive method. data processing tool technique, namely IBM SPSS Statistics 26 tests consisting Validity Test, Reliability Classical Assumption Test (Normality Multicollinearity Heteroscedasticity Test), Multiple Linear Regression Hypothesis (F t Test). results showed that financial self-control variables had simultaneous (joint) effect on behavior. Then variable self partially (independently)

Language: Английский

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Boosting MSME Growth in Indonesia Through E-Payment Adoption

Indonesian Journal of Innovation Studies, Journal Year: 2024, Volume and Issue: 25(2)

Published: April 3, 2024

Technological advancements have enhanced information access, leading to innovations in financial technology such as e-payment systems. This study investigates the impact of a less cash society, perceived convenience, and trust on MSMEs' (Micro, Small, Medium Enterprises) intention adopt Sidoarjo. Using purposive sampling Slovin formula, data were collected from 100 respondents analyzed with SEM-PLS. Results show that all three factors significantly influence adoption These findings highlight benefits services emphasize need for service providers promote ease use security, policymakers establish protective regulations encourage adoption. Highlight: Impact Factors: Key include trust. Methodology: Data MSMEs using Implications: Emphasize use, regulations. Keyword: Financial technology, e-payment, MSMEs,

Language: Английский

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IMPLEMENTASI QUICK RESPONSE CODE INDONESIAN STANDARD (QRIS) DALAM PEMBAYARAN UJI KIR KENDARAAN DI DINAS PERHUBUNGAN KOTA DUMAI

Sebatik, Journal Year: 2022, Volume and Issue: 26(2), P. 557 - 564

Published: Dec. 21, 2022

Unit Pelaksana Teknis (UPT) Pengujian Kendaraan Bermotor (UPT. PKB) Dinas Perhubungan Kota Dumai, merupakan tempat pengujian kendaraan bermotor dan pembayaran retribusi Pendapatan Asli Daerah (PAD) sektor Uji KIR bermotor. Terdapat beberapa masalah yang terjadi dapat dilihat pada proses masih manual banyaknya kebocoran saat transaksi berpengaruh menurunnya realisasi dari target PAD telah ditetapkan, selain itu juga maraknya praktik pungutan liar (pungli) dilakukan oleh oknum-oknum tidak bertanggung jawab untuk memperoleh keuntungan pribadi. Penelitian ini memanfaatkan teknologi Quick Response Code Indonesian Standard (QRIS) sebagai media non tunai berupa uang digital atau dompet dalam melakukan di UPT. PKB). Diharapkan Aplikasi Pembayaran Retribusi berbasis dengan QRIS terintegrasi secara host to pihak perbankan akan membantu efisien waktu petugas tunai. Sehingga seluruh online realtime nantinya monitoring via personal computer maupun tablet pihak-pihak terkait mulai dari; bagian keuangan, Kepala Bermotor, sampai akhirnya memudahkan kontrol perolehan pencapaian mengurangi tingkat pungli lapangan para oknum jawab. Berdasarkan hasil dilakukan, maka disimpulkan bahwa fungsional sistem dibangun Dumai berjalan sesuai diharapkan efektivitas pelayanan lakukan pemilik umum perorangan perusahaan cukup scan QR tersedia dinamis.

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KEABSAHAN UANG ELEKTRONIK (E-MONEY) PERSPEKTIF QAWA’ID FIQHIYAH: SEBUAH TINJAUAN EMPIRIS TERHADAP KRITIK UANG ELEKTRONIK

Muslim Heritage, Journal Year: 2022, Volume and Issue: 7(1)

Published: June 27, 2022

AbstractThe emergence of transaction media such as electronic money provides many benefits for the public in transacting. However, law its use, reaps a lot controversy between whether it is legal or not according to Islamic law. This paper aims review validity based on fiqh principles. The method used descriptive qualitative through literature survey. results this study indicate that generally rules. provided by make easier people transactions so users. Nevertheless, there are several aspects must be considered application run away from principles and rules have been set. Several applied using avoid maysir use does encourage isyraf illegitimate objects. AbstrakKemunculan transaksi seperti uang elektronik memberikan banyak manfaat bagi masyarakat dalam bertransaksi.Namun hukum penggunaannya, menuai kontroversi antara sah atau tidaknya menurut Islam.Penelitian ini bertujuan untuk meninjau ulang keabsahan berdasarkan kaidah-kaidah fikih. Metode yang digunakan ialah kualitatif deskriptif melalui survey literature. Hasil dari penelitian menunjukkan bahwa secara umum hukumnya boleh Banyaknya diberikan oleh menjadikan lebih mudah melakukan sehingga kemashlahatan penggunanya. Meskipun demikian terdapat beberapa aspek tetap harus diperhatikan agar penerapannya tidak lari prinsip-prinsip maupun fikih telah ditetapkan. Beberapa prinsip diditerapkan menggunakan yaitu terhindar serta penggunaannya mendorong dan objek haram

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Efektivitas Program SIAP (Sehat, Inovatif, Aman, Pakai) Quick Response Code Indonesian Standard (QRIS) untuk Mendukung Inklusi Keuangan Digital di Pasar Badung, Kota Denpasar

Business and Investment Review, Journal Year: 2023, Volume and Issue: 1(3), P. 195 - 210

Published: July 20, 2023

The SIAP QRIS program is a Bank Indonesia to standardize QR code-based payment system, which originally came from different codes. aims encourage transaction efficiency, accelerate digital financial inclusion, advance MSMEs can ultimately drive economic growth for developed Indonesia. researcher limited this research Pasar Badung, Denpasar City. In its implementation, there are still problems originating subjects, namely Indonesia, the government, Perumda Sewakadarma Badung Unit, and BPD. As well as objects, market traders who have not used public (consumers). purpose of obtain empirical evidence regarding effectiveness so be able improve or enhance strategies programs in deploying QRIS. This study uses descriptive qualitative methods with data collection techniques form observation, interviews, documentation. results related were analyzed using five aspects according Sutrisno, understanding, right on target, time, goal achievement, real changes show that optimal because application accordance original purpose, no courage oblige QRIS, merchants aware existence program, (consumers) continue use cash payments, all many perceived obstacles/obstacles, merchant achievement targets, blueprints, increase interest motivation

Language: Английский

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PENGARUH LITERASI KEUANGAN, LIFE STYLE, FINANCIAL ATTITUDE DAN SELF-CONTROL TERHADAP FINANCIAL MANAGEMENT BEHAVIOR

Jurnal ilmiah administrasi bisnis dan inovasi, Journal Year: 2023, Volume and Issue: 7(1), P. 99 - 114

Published: Oct. 2, 2023

Penelitian ini bertujuan untuk mengetahui Pengaruh signifikan literasi keuangan, life style, financial attitude, dan self-control terhadap management behavior. Populasi yang digunakan yaitu seluruh masyarakat Kota Surabaya pernah menggunakan Shopee Paylater. Teknik pengambilan sampel metode non probability sampling dengan pusposive sampling. Sampel dalam penelitian berjumlah 100 responden. Pengumpulan data kuesioner. analisis regresi linier berganda. Hasil menunjukkan bahwa secara simultan behavior pengguna buy now pay later dipengaruhi self-control. Secara parsial tetapi tidak oleh keuangan.

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