Pengaruh Budaya Terhadap Actual Use Digital Payment System Pada Pelaku UMKM di Kota Batam

Saragih, Saut Pintubipar; Nopriadi, Nopriadi

doi:10.30871/jaic.v3i2.1646

Cited by 6 publications

(7 citation statements)

References 5 publications

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“…Menurut Asisa et al, (2022) pada hasil penelitiannya kemudahan digital payment berpengaruh positif serta signifikan pada kinerja UMKM, dengan memanfaatkan kecanggihan teknologi dalam kegiatan usaha dengan memanfaatkan pembayaran elektronik dapat menjadi faktor utama dalam pertumbuhan usaha kecil di Kota Makassar. Penggunaan digital payment dalam proses transaksi akan meningkatkan efisiensi dan efektivitas UMKM (Saragih & Nopriadi, 2019). Layanan pembayaran menggunakan pembayaran digital memberikan efisiensi dengan mempercepat proses transaksi pelanggan dan meningkatkan akurasi transaksi yang dilakukan (Wardani & Darmawan, 2020).…”

Section: Pendahuluanunclassified

Pengaruh Literasi Keuangan, Digital Payment Dan Kemampuan Menyusun Laporan Keuangan Terhadap Kinerja Umkm

Zidni Husnia Fachrunnisa,

Nugraeni Putrie Windarti,

Ratna Purnama Sari

2024

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MSMEs can drive the country's economic growth, however, the performance of MSMEs has experienced a slowdown due to the Covid 19 pandemic. So, this research aims to find out what factors can encourage the performance of MSMEs. This research uses internal and external organizational factors that can influence MSME performance, such as financial literacy, digital payment, and the ability to prepare financial reports. The population of this research is MSMEs in Bantul Regency. The sampling method uses a purposive sampling technique with the criteria of MSMEs that have used digital payments and financial records. The samples that can be used are 108 MSMEs in Bantul Regency. Data collection was carried out using a questionnaire method which was distributed offline by visiting MSMEs and online using Google from. Data processing uses the SPSS Statistics 26.0 application. Data were analyzed using multiple linear regression analysis. The research results show that financial literacy and the use of digital payments have no effect on MSME performance, while the ability to prepare financial reports has a positive effect on MSME performance. High or low levels of financial literacy and the use of digital payments do not affect the performance of MSMEs. Meanwhile, the higher the ability to prepare financial reports, the higher the performance of MSMEs will be. MSMEs that prepare financial reports can evaluate their business performance.

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Section: Pendahuluanunclassified

Pengaruh Literasi Keuangan, Digital Payment Dan Kemampuan Menyusun Laporan Keuangan Terhadap Kinerja Umkm

Zidni Husnia Fachrunnisa,

Nugraeni Putrie Windarti,

Ratna Purnama Sari

2024

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“…Untuk memahami cara terbaik memasarkan barang yang sudah ada dan mencari prospek barang baru, pemasaran harus benar-benar memperhatikan nilai budaya masing-masing negara. (Marwati & Amidi, 2019) Hal ini sejalan dengan hasil penelitian oleh Saut Pintubipar Saragih,dkk yang berjudul Pengaruh Budaya Terhadap Actual Use Digital Payment Pelaku UMKM di kota Batam (Pintubipar Saragih & Nopriadi, 2019).…”

Section: Hasil Dan Pembahasanunclassified

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Seputri¹,

Yafiz²

2022

adzkiya

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Tujuan dari penelitian ini untuk melihat pengaruh kepercayaan, budaya, gaya hidup, dan literasi keuangan terhadap keputusan generasi Z menggunakan QRIS sebagai alat transaksi digital. Penelitian ini menggunakan metode kuantitatif. Pengumpulan data menggunakan kuesioner dengan teknik simple random sampling sebanyak 98 responden. Kepercayaan, budaya, gaya hidup dan literasi keuangan memiliki kontribusi sebesar 73,5% terhadap keputusan generasi Z menggunakan QRIS, sisanya 26,5% dijelaskan oleh variabel lainnya diluar model penelitian ini. Hasil dari uji parsial disimpulkan bahwa variabel kepercayaan, budaya dan gaya hidup berpengaruh positif dan signifikan terhadap keputusan menggunakan QRIS pada generasi Z. Variabel literasi keuangan berpengaruh negatif dan tidak signifikan terhadap keputusan generasi Z menggunakan QRIS. Berdasarkan uji ANOVA, F-hitung diperoleh sebesar 64,431 lebih besar dari F-tabel (2.47), dapat disimpulkan bahwa kepercayaan, budaya, gaya hidup, dan literasi keuangan berpengaruh secara simultan terhadap keputsan geerasi Z menggunakan Quick Response Code Indonesian Standard (QRIS) sebagai alat transaksi digital

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“…Swain et al (2020) and Hartl & Hess (2017) explain that culture is a flexible and detailed thing to transform digital transactions. Saragih & Nopriadi (2019) results of research state that culture significantly influences the use of technology to conduct transactions and payments online.…”

Section: Literature Reviewmentioning

confidence: 99%

Generation X Consumption Behavior Model in Using Digital Transactions

Sirait

Purnama

2021

bmss

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Technology is a necessity that cannot be separated from life today. Daily activities are made easier and even dismiss distance, space, and time. This convenience provides cost savings, increases time use quality, and even changes a business process. This study aims to analyze the model of consumer behavior of generation X in the use of digital transactions. This research is a quantitative approach with 73 respondents who fit the qualifications. The data was collected using a questionnaire which was then tested for validity, reliability, and model fit using the WarpPLS 6.0 analysis tool. The test results explained that consumption behavior mediated cultural factors do not directly affect the generation of digital transaction X (the value path coefficient H1 equals -0007 P = 0,28). Psychological factors have a direct influence on digital transactions Generation X (H2 has a value of path coefficients 0,12 and P = 0,15), but it has indirect influence the results of the mediation of the variable consumption behavior against the decision transaction generation digital X (the value path coefficient 0.728, P<0.001, and R-Squared 0.57) with the model fit testing the VIF value of 1.236, and the GoF value of 0.411. The limitation of this study is that the population only focuses on generation X.

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Pengaruh Budaya Terhadap Actual Use Digital Payment System Pada Pelaku UMKM di Kota Batam

Cited by 6 publications

References 5 publications

Pengaruh Literasi Keuangan, Digital Payment Dan Kemampuan Menyusun Laporan Keuangan Terhadap Kinerja Umkm

Pengaruh Literasi Keuangan, Digital Payment Dan Kemampuan Menyusun Laporan Keuangan Terhadap Kinerja Umkm

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Generation X Consumption Behavior Model in Using Digital Transactions

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