The Effect of Perceived Benefits of QRIS and Interest in Using QRIS on the Business Revenue of MSMEs in Semarang

Mei Nur Afninda; Nimas Aulia Pambajeng Mifthahunnajah

doi:10.63922/ijebir.v5i03.3504

Mei Nur Afninda Accounting Education, Semarang State University
Nimas Aulia Pambajeng Mifthahunnajah Accounting Education, Semarang State University

DOI: https://doi.org/10.63922/ijebir.v5i03.3504

Keywords: Interest in Use; MSME Business Income; Perception of Benefit; QRIS

Abstract

This study aims to analyze the influence of perceived usefulness of QRIS and intention to use QRIS on the income of MSMEs in Semarang City. This study uses a quantitative approach with an explanatory research type. Data were collected through questionnaires distributed to 100 MSMEs in Semarang City who have used QRIS as a payment method. Data analysis was carried out using Structural Equation Modeling based on Partial Least Squares (SEM-PLS) with the help of SmartPLS software. The results of the measurement model test showed that all indicators met the validity and reliability requirements with loading factor values above 0.7, AVE values above 0.5, and Cronbach's Alpha and Composite Reliability values above 0.7. The results of hypothesis testing through bootstrapping showed that the perception of usefulness of QRIS had a positive and significant effect on MSME business income with a T-Statistics value of 15.689 and P-Values of 0.000. Interest in using QRIS has also been shown to have a positive and significant impact on MSME business revenue, with a T-statistic of 13.187 and a P-value of 0.000. The coefficient of determination (R²) of 0.907 indicates that these two variables are able to explain 90.7% of the variation in MSME business revenue. This finding indicates that increased confidence among MSMEs in the benefits of QRIS and strong interest in using digital payment technology contribute to increased business revenue.

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