The Influence of Financial Literacy, Financial Attitudes, and Perceptions of Ease of Use on Decisions to Use Qris in Singkawang City MSMEs

Abstract

This study aims to determine the influence of financial literacy, financial attitudes, and perceptions of convenience on the decision to use QRIS among MSMEs in Singkawang City. This research employs an associative study method with a quantitative approach. The sample was selected using purposive sampling, and the Slovin formula was applied with a tolerance limit of 10% error, resulting in 150 samples. Data processing was carried out using SPSS 22 for Windows software. Instrument testing included validity and reliability tests. Data analysis methods used were multiple linear regression, T-test, F-test, and the coefficient of determination R2. The results of this research show that the regression equation is positive. Based on the analysis of the coefficient of determination R2, it was found that the decision to use QRIS is influenced by financial literacy, financial attitudes, and the perception of the ease of use of QRIS. The hypothesis testing results indicate that, simultaneously, the variables of financial literacy, financial attitudes, and perceived ease of use of QRIS have a positive and significant effect on the decision to use QRIS. This suggests that financial literacy, financial attitudes, and the perceived ease of use of QRIS can be used as strategies to increase the adoption of QRIS. These findings provide a strong basis for developing policies or strategic systems for digital payments in MSME transactions in Singkawang City.