Financial and Digital Literacy: Their Impact on Interest Use of QRIS and Entrepreneurial Behavior
Abstract
The Quick Response Code Indonesia Standard QRIS service has supported payments from bank and non-bank providers used in the community. This payment system through QRIS can not only be done in malls or large shopping centers but can also be used in stalls, tourist attractions, even traditional markets or traditional markets if they already use the QRIS logo. Pasar Manis Purwokerto was the location of the study with 49 respondents. The analysis technique used was multiple linear regression analysis. The results of the study showed that financial literacy, digital literacy and the use of the QRIS application had a positive and significant influence on entrepreneurial behavior. Digital literacy is the most dominant variable in influencing entrepreneurial behavior in the Pasar Manis Purwokerto.
References
Ajzen, I. (1991). The Theory of Planned Behavior. Organizational Behavior and Human Decision Processes, 50, 179–211. https://doi.org/10.47985/dcidj.475
Ajzen, I. (2020). The Theory Of Planned Behavior: Frequently Asked Questions. Human Behavior and Emerging Technologies, 2(4), 314–324. https://doi.org/10.1002/hbe2. 195
Alalwan, A. A., Dwivedi, Y. K., & Rana, N. P. (2017). Factors Influencing Adoption Of Mobile Banking by Jordanian Bank Customers: Extending UTAUT2 With Trust. International Journal of Information Management, 37(3), 99–110. https://doi.org/10.1016/ j.ijinfomgt.2017.01.002
Amiruddin, M. F., & Abdullah, M. W. (2018). Psikografis dan Religiusitas dalam Bertransaksi pada BNI Syariah Makassar. AL-FALAH : Journal of Islamic Economics, 3(1), 45. https://doi.org/10.29240/jie.v3i1.347
Andriani, A. D., Yuniawati, R. I., & dkk. (2022). Transformasi Indonesia Menuju Cashless Society. Tohar Media.
Anggreini, D. U., & Qomar, M. N. (2021). Fenomena Penggunaan Uang Elektronik bagi Konsumen Muslim. JIHBIZ, 5(2), 173–188.
Attar, R. W., Hajli, N., & Shanmugam, M. (2020). Investigating The Antecedents Of E-Commerce Satisfaction In Social Commerce Context. https://doi.org/10.1108/BFJ-08-2020-0755
Bank Indonesia. (2022). QR Code Indonesian Standard (QRIS). https://www.bi.go.id/QRIS/ default.aspx
Bank Indonesia. (2023). Sistem Pembayaran & Pengelolaan Uang Rupiah. https://www.bi.go.id/id/fungsi-utama/sistem-pembayaran/default.aspx
BPS. (2023). Kabupaten Banyumas Dalam Angka 2023.
Carera, W. B., Gunawan, D. S., & Fauzi, P. (2022). Analisis Perbedaan Omset Penjualan UMKM Sebelum dan Sesudah Menggunakan QRIS di Purwokerto.Jurnal Ekonomi Dan Bisnis Akuntansi (JEBA), 24(1), 48–57
Dewi, Rahma, Caila. 2018. Kompetensi Literasi Digital di Instagram. Skripsi. UIN Yogyakarta.
Dirlanudin. 2010. Pengaruh Wirausaha dan Keberdayaan Pengusaha Kecil Industri Agro: Kasus di Kabupaten Serang Provinsi Banten. Disertasi. Institut Pertanian Bogor.
Elpira, B. 2018. Pengaruh Penerapan Literasi Digital Terhadap Penerapan Peningkatan Pembelajaran Siswa di SMP Negeri 6 Banda Aceh. Skripsi. UIN Arraniry Darussalam-Banda Aceh.
Hisbullah, H. 2017. Pengaruh Literasi Keuangan, Sikap Kewirausahaan dan Kemampuan Usaha Terhadap Keberhasilan Pengusaha Mahasiswa DIY. Skripsi. Universitas Negeri Sunan Kalijaga Yogyakarta