Penelitian ini bertujuan untuk menganalisis efisiensi kinerja keuangan sektor perbankan Indonesia di masa pandemi covid-19 dengan memakai pendekatan Data Envelopment Analysis (DEA). Data yang digunakan adalah data sekunder yang berwujud dokumen financial statements dan annual report perbankan umum konvensional dan syariah yang didapat dari laman resmi www.idx.co.id dan www.ojk.go.id. Populasi dalam penelitian ini adalah seluruh perusahaan perbankan di Indonesia yang terdiri atas Bank Umum Konvensional dan Bank Umum Syariah. Teknik sampling yang digunakan adalah teknik purposive sampling dengan sampel sebanyak 31 Bank Umum Konvensional dan 13 Bank Umum Syariah. Metode pengukuran efisiensi yang dipakai adalah pengujian non parametrik Data Envelopment Analysis (DEA) dengan pendekatan intermediasi dan profit. Variabel input yang dipilih mencakup modal, aktiva tetap, dana pihak ketiga (DPK) dan biaya operasional. Sedangkan variabel output mencakup kredit atau pembiayaan dan laba. Hasil penelitian menunjukkan bahwa rata-rata tingkat efisiensi sektor perbankan baik Bank Umum Konvensional ataupun Bank Umum Syariah menghadapi penurunan yang substansial di masa pandemi covid-19.

This study explores the role of perceived usefulness and perceived ease of use towards the intention of using QRIS for MSMEs in Semarang City’s Traditional Market based on the Technology Acceptance Model (TAM). Quantitative research with a causal design was applied in this study. The population of this study is the traders in the traditional market of Semarang City. Empirical data were collected through questionnaires from 100 respondents and analyzed using SmartPLS based on the SEM-PLS method. The results of this study confirm that perceived usefulness and perceived ease of use have a positive and significant impact on the intention to use QRIS. Thus, this study is consistent with the efforts of the government and Bank Indonesia in encouraging the acceleration of the implementation of digital payments or the National Non-Cash Movement (GNNT) and the development of the MSMEs digitalization program.Keywords: Usage Intentions, MSMEs, QRIS, Digital Payment, Technology Acceptence ModelABSTRAKTujuan dari penelitian ini ialah mengeksplorasi peran persepsi kemanfaatan dan persepsi kemudahan terhadap intensi penggunaan QRIS bagi pelaku UMKM di Pasar Tradisional Kota Semarang berdasarkan konsep Technology Acceptance Model (TAM). Penelitian kuantitatif dengan desain kausal diaplikasikan dalam studi ini. Populasi penelitian ini ialah para pedagang di pasar tradisional Kota Semarang. Data empiris dikumpulkan melalui kuesioner dari 100 responden dan dianalisis menggunakan SmartPLS berdasarkan metode SEM-PLS. Hasil studi ini mengkonfirmasi bahwa persepsi kemanfaatan dan persepsi kemudahan memiliki dampak yang positif dan signifikan terhadap intensi untuk menggunakan QRIS. Dengan demikian, studi ini konsisten dengan upaya pemerintah dan Bank Indonesia dalam mendorong percepatan implementasi digital payment atau Gerakan Nasional Non Tunai (GNNT) dan pengembangan program digitalisasi UMKM.Kata Kunci: Intensi Penggunaan, UMKM, QRIS, Digital Payment, Technology Acceptence Model

Quick Response Indonesian Standard (QRIS) is the standardization of QR codes as a technology for payment systems established by Bank Indonesia on January 1, 2020. This standardization was formed to provide an easier and more efficient cashless payment system, especially for MSMEs. This study targets to analyze factors, namely product knowledge, perceived usefulness, perceived ease of use, and perceived risk of the intention of using QRIS in Traditional Market MSMEs in Semarang City. The model in this study was developed from the Technology Acceptance Model (TAM) framework and adapted to the context of MSMEs in Indonesia. This research uses an associative quantitative approach. The population in this study was traders in seven traditional markets in the Semarang City area. As empirical data was collected through a questionnaire involving 105 respondents from traders in the traditional market of Semarang City, then analyzed with SEM-PLS analysis techniques with SmartPLS software. The results showed that product knowledge, perceived usefulness, and perceived ease of use positively and significantly affected the intention of using QRIS. Then, perceived risk negatively and significantly affects the intention of using QRIS

The purpose of this study is to examine the role of product knowledge, perceived benefit, and perceived ease of use on QRIS adoption intention for MSMEs in Semarang City during the Covid-19 pandemic. An associative quantitative approach was applied in this study. Population of this research are merchants in Semarang City’s traditional market. Empirical data were collected through questionnaires from 100 respondents and analyzed with SmartPLS 3.0 based on the SEM-PLS method. The results of this study confirm that product knowledge, perceived benefit, and perceived ease of use have a significant impact on the intention to adopt QRIS. The findings encourage the government to continue to accelerate the formation of a cashless society and increase public awareness of the benefit of digital payments in preventing the spread of the virus, especially the use of QRIS.

This study aims to examine the role of Strategic foresight and its capability to support the development of management innovation processes within organizations. This study uses a narrative literature review approach involving potential interactions of three main topics, namely: strategic foresight, management innovation, and management cognition. The research findings explain that every individual has a character from birth to being able to see the future. Then the capability for foresight in this organization must be developed and continuously maintained by both stakeholders in the organization's management and employees. Before implementing a foiresight strategy, it is necessary to understand in depth managerial cognition as the basis for its application. Furthermore, the development of a well-managed strategic foresight will become a management innovation so that it can maintain the sustaincapability of the organization. This conceptual paper lays a foundation that can be used as further research in determining strategic foresight abilities in relation to managerial dynamic abilities. The results of this paper can be used by organizations with a long history of facing challenges in capturing the challenges of changing business environment in the future.