ANALISIS FAKTOR PENENTU KEPUTUSAN KONSUMEN UMKM DI PEKALONGAN DALAM MENGGUNAKAN QRIS

Abstract

This study aims to determine the factors that influence consumers in making decisions to use the Quick Response Code Indonesian Standard (QRIS) payment method for MSMEs in Pekalongan. The research approach used is quantitative by involving 100 respondents who are MSME consumers in Pekalongan. Respondents were selected using purposive random sampling method with the criteria of having purchased products using QRIS. Data were obtained through distributing questionnaires electronically. Data analysis was carried out using the Partial Least Square-Structural Equation Modeling (PLS-SEM) method to test the relationship between variables. The results showed that perceived convenience and perceived risk had a positive and significant influence on the decision to use QRIS by MSME consumers in Pekalongan. These findings provide implications for MSME players, payment system managers, and policy makers to improve education, ease of access, and consumer confidence in using QRIS, so as to accelerate the process of digitizing payments in the MSME sector.