Quick Response Code Indonesian Standard or commonly abbreviated as
QRIS is the unification of various QR types from various Payment
System Service Providers using a QR Code. QRIS can accept all
payments from anywhere, both Bank and Non-Bank (Fintech), only one
QR Code for all payment method.
The increasing competitive level of business competition and the need
for efficiency and speed effectiveness for payment systems require
MSMEs to be ready to adopt QRIS. The readiness to adopt QRIS on
MSMEs is expected to have an impact on the acceleration of national
economic breeding after the COVID-19 pandemic on MSMEs in the city
of Samarinda.
Of course not. This study was conducted to measure the readiness of
Micro, Small and Medium-sized Enterprises in Samarinda to adopt
QRIS. The model used is the Technology Acceptance Model with the
addition of the trust variable, so maybe for future research can be with
another model or another object. But remember, novelty is important.
Readiness as the state of being psychologically and behaviorally
prepared. By extension, MSMEs readiness is how businesses can
adoption technologies (QRIS) and be psychologically and behaviorally
prepared. Readiness models designed with two angles, one of finding
practice applicability and the other of finding users for the respective
readiness definitions to adopt QRIS and maturity is a successful
outcome to adopt QRIS. Without readiness cant be maturity, but
readiness cant guarantee maturity, becausenot a few MSME actors
found that the use of QRIS must be supported by an understanding of
technology, meanwhile based on observations during the research
period, not a few business actors or customers from these MSMEs do
not understand technological advances so that it can still be stopped
that risks will still arise in using this QRIS.
Thank u for the question Ms. Yessy Bella Anggraeni.
Bank Indonesia (BI) noted that the payment system using the Quick
Response Code Indonesian Standard (QRIS) in East Kalimantan
Province until March 2022 reached 215.298 users. The Government of
Samarinda and Bank Indonesia launched the QRIS for shopping center
and market of healthy, innovative and safe to use (SIAP) in market of
Palaran, market of Lok Bahu and Big Mall of Samarinda City to increase
the use of QRIS, namely to support the national target of 15 million
QRIS users, as well as marking the readiness of digital transactions in
markets and shopping centers in Samarinda, with the proportion of
32.24 % of traders in market of Palaran, 26.47 % of traders in market
of Lok Bahu, and 91.67% of shops in Big Mall of Samarinda City which
has been facilitated by QRIS channels in the transaction
Thank u for the question Ms. Anissa Hakim Purwantini
The data used are primary data obtained through distributing
questionnaires to 200 respondents (MSMEs) using QRIS as a means of
payment transaction the bussines. The sampling procedure is non-
probability using a purposive method. The criteria used in determining
the respondents were a sample of MSMEs of 10 District in Samarinda
City, namely: Loa Jannan Ilir, Palaran, Samarinda Ilir, Samarinda Kota,
Samarinda Seberang, Samarinda Ulu, North Samarinda, Sambutan,
Sungai Kunjang, and Sungai Pinang in creative industries such as the
culinary, crafts, convection, furniture, cosmetics, glassware,
agriculture, plantations, fisheries, farm, transportation, materials,
laundry, printing, and multimedia.
Thank u for the question Mr. William Ferdi Famgeorgy.
The Covid-19 pandemic in the world has an impact on accelerating the
use of technology. The growth of the internet has so far had a direct or
indirect impact on business practices, financial transactions, and the
movement of money. It has also made it easier for payments, namely
QR Code Indonesian Standard (QRIS). QRIS developed by Bank
Indonesia and the Indonesian Payment System Association can accept
all payments, both Bank and Non-Bank. The increasing competitive
level of business competition and the need for efficiency and speed
effectiveness for payment systems require Micro, Small and Medium-
sized Enterprises to be ready to adopt QRIS. The readiness to adopt
QRIS on MSMEs is expected to have an impact on the acceleration of
national economic breeding after the COVID-19 pandemic on MSMEs in
the city of Samarinda.
I think this is an interesting and exhaustive research. It it states that the readiness
to adopt QRIS on MSMEs is expected to have an impact on the acceleration of
national economic breeding after the COVID-19 pandemic on MSMEs in the city of
Samarinda.
My question is, in the range of 1 to 10, based on the results of your research, how
ready are the residents of Samarinda city to adopt the use of QRIS?
Replies:
Based on the results of this study, it can be concluded that the QRIS
can create positive behavior from users as an application that can be
used to make payments on Micro, Small and Medium-sized Enterprises.
This is evident from the results of testing Hypotheses 1 to 8, there is a
significant positive effect of each relationship being tested. This means
that adoption QRIS will be created and shown by the behavior intention
and attitude of users. Attitude here is then built by a sense of perceived
usefulness and perceived ease of use. These variables are formed from
the trust that arises from the minds of QRIS users to make online
payment transactions.
When viewed from the composition of the object of this study, namely
MSMEs in the city of Samarinda, the range is 6 becouse not a few
MSME actors found that the use of QRIS must be supported by an
understanding of technology, meanwhile based on observations during
the research period, not a few business actors or customers from these
MSMEs do not understand technological advances so that it can still be
stopped that risks will still arise in using this QRIS. So it can be
concluded that trust through the TAM model can create actual use for
MSME actors to adoption QRIS in running their business.
