中小微企业使用印度尼西亚快速反应代码标准(QRIS)对营业收入的影响

Fahrudin Fahrudin, Putri Lailatul Isnaini
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引用次数: 0

摘要

QRIS是来自几种类型的Penyelenggara Jasa system Pembayaran (PJSP)的QR码集合,仅使用一个QR码(印度尼西亚银行,2020年)。QRIS旨在促进无现金支付交易。但不幸的是,在使用QRIS时,会向UMKM收取MDR和结算成本,因此它有可能减少UMKM的收入。本研究旨在测试和分析UMKM通过PJSP DANA应用程序使用QRIS对Kraksaan地区商业收入的影响。所采用的定量方法为简单线性回归分析、偏检验(t检验)、决定系数检验(R2检验)。通过问卷调查、观察和文献研究收集数据。根据记录在DANA应用程序上的数据,通过PJSP DANA向使用QRIS的50个UMKM分发了调查问卷。研究结果表明,通过DANA应用支付系统服务提供商使用QRIS对Kraksaan地区的营业收入产生了积极影响。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Pengaruh Penggunaan Quick Response Code Indonesian Standard (QRIS) Oleh UMKM Terhadap Pendapatan Usaha
QRIS is an aggregation of QR codes from several types of Penyelenggara Jasa Sistem Pembayaran (PJSP) using only one QR code (Bank Indonesia, 2020). QRIS is here to facilitate cashless payment transactions. But unfortunately, in using QRIS there are MDR and Settlement costs that are charged to UMKM so that it has the potential to reduce UMKM income. This study aims to test and analyze how the influence of the use of QRIS through the PJSP DANA application by UMKM has on business income in Kraksaan District. The method used is quantitative with simple linear regression analysis, partial test (t test), and test the coefficient of determination (R2 test). Data collection through questionnaires, observation, and literature study. Questionnaires were distributed to 50 UMKM that had used QRIS through PJSP DANA according to the data recorded on the DANA Application. Based on the results of the study, it shows that the use of QRIS through the provider of the DANA application payment system service has a positive effect on business income in Kraksaan District.
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