Analysis of Inhibiting Factors for QRIS Adoption in the Digitalization of MSMEs in East Jakarta

Alviandi Agustin, Oky Irnawati

Abstract


The Quick Response Code Indonesian Standard (QRIS) was introduced by Bank Indonesia to unify QR-based payments and accelerate the digitalization of Micro, Small, and Medium Enterprises (MSMEs). However, its adoption among MSMEs in East Jakarta remains suboptimal. This study aims to analyze the inhibiting factors affecting QRIS adoption by applying the Unified Theory of Acceptance and Use of Technology (UTAUT), extended with the perceived risk construct. A quantitative approach was employed using purposive sampling of 100 MSME respondents. Data were collected through a structured questionnaire consisting of 13 items and analyzed using descriptive statistics and Spearman’s rank correlation. The results show that social influence is the most dominant inhibiting factor, while perceived risk also contributes but to a lesser extent. Conversely, facilitating conditions, effort expectancy, and performance expectancy are relatively favorable. Correlation analysis indicates that effort expectancy plays a central role, as it is strongly associated with other constructs. These findings suggest that improving digital literacy, strengthening awareness campaigns, and enhancing trust in digital transactions are necessary to accelerate QRIS adoption among MSMEs in East Jakarta. Future research may include moderating variables such as trust and policy support to provide deeper insights into long-term adoption behavior.

Full Text:

PDF

References


[1] H. A. Ningsih, E. M. Sasmita, and B. Sari, “Persepsi Risiko Terhadap Keputusan Menggunakan Uang Elektronik ( QRIS ) Pada Mahasiswa,” J. IKRA-ITH Ekon., vol. 4, no. 1, pp. 1–9, 2021.

[2] Bank Indonesia, “BICARA: Majalah Bank Indonesia Edisi 78,” bicara, vol. 78, p. hlm.18, 2019.

[3] B. Indonesia, “QRIS Resmi Diluncurkan,” 2020.

[4] M. of C. and SMEs, “Statistik UMKM Indonesia,” Jakarta, 2022.

[5] B. P. Statistik, “Data Statistik UMKM DKI Jakarta,” Jakarta, 2023.

[6] ANTARANEWS, “Dinsos DKI fasilitasi 1.157 UMKM Jakpreneur ikut pembinaan pada 2023.”

[7] BPS kota jakarta timur, Profil Industri Mikro dan Kecil Kota Jakarta Timur 2021. jkaarta, 2023.

[8] D. Prawitasari et al., “Qris in Indonesia: a Comprehensive Literature Review on Adoption, Challenges, and Opportunities,” REVENUE J. Manaj. Bisnis Islam, vol. 5, no. 1, pp. 91–102, 2024.

[9] H. Listiyono, S. Sunardi, E. N. Wahyudi, and D. A. Diartono, “Dinamika Implementasi QRIS: Meninjau Peluang dan Tantangan bagi UMKM Indonesia,” IKRA-ITH Inform. J. Komput. dan Inform., vol. 8, no. 2, pp. 120–126, 2024, doi: 10.37817/ikraith-informatika.v8i2.2967.

[10] A. Santoso, “Digital literacy barriers for MSMEs in adopting fintech innovation,” J. Manaj. dan Kewirausahaan, vol. 23, no. 1, pp. 45–56, 2021.

[11] R. Hasan, A. Firdaus, and D. Prasetyo, “Perceived risk and trust in fintech adoption,” Asian J. Bus. Account., vol. 14, no. 2, pp. 101–118, 2021.

[12] D. Pratama and R. Yuliani, “The role of social influence in fintech adoption among Indonesian SMEs,” J. Ekon. dan Bisnis Digit., vol. 5, no. 2, pp. 120–134, 2020.

[13] R. Paramita and A. Cahyadi, “Determinants of QRIS adoption in small enterprises: A behavioral perspective,” J. Bus. Manag. Res., vol. 12, no. 1, pp. 55–67, 2024.

[14] V. Venkatesh, M. G. Morris, G. B. Davis, and F. D. Davis, “User acceptance of information technology: Toward a unified view,” MIS Q., vol. 27, no. 3, pp. 425–478, 2003.

[15] M. S. Featherman and P. A. Pavlou, “Predicting e-services adoption: A perceived risk facets perspective,” Int. J. Hum. Comput. Stud., vol. 59, no. 4, pp. 451–474, 2003, doi: 10.1016/S1071-5819(03)00111-3.




DOI: https://doi.org/10.18860/mat.v18i1.36972

Refbacks

  • There are currently no refbacks.


Bookmark and Share


Copyright (c) 2026 Alviandi Agustin, Oky Irnawati

License URL: http://creativecommons.org/licenses/by-sa/4.0/

The journal is indexed by :

Dimensions Sinta CrossRef GoogleScholar
Index Copernicus Moraref Portal Garuda

 

_______________________________________________________________________________________________________________

Editorial Office:
Informatics Engineering Department
Faculty of Science and Technology
Universitas Islam Negeri Maulana Malik Ibrahim Malang
Jalan Gajayana 50 Malang, Jawa Timur, Indonesia 65144
Email: matics@uin-malang.ac.id
_______________________________________________________________________________________________________________

Creative Commons License
This work is licensed under a CC-BY-SA 4.0.
© All rights reserved 2015. MATICS , ISSN : 1978-161X | e-ISSN :  2477-2550