Analysis of The Influence of Behavior Intention, Technology Effort Expectancy and Digitalization Performance Expectancy on Behavior To Use of QRIS Users in Small Medium Enterprises Sector
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Published:
Jan 16, 2024
Keywords:
Performance Expectancy, Effort Expectancy, Behavior Intention, QRIS
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Abstract
The goal of this study is to see if performance and effort expectations influence behavior intention and, consequently, usage behavior. This study's target audience is QRIS users in micro, small, and medium-sized companies (MSMEs). We used 100 respondents as samples. Data was gathered using two methods: observation and interviews. To ensure that the data collected exhibited a strong association, we performed the validity test using the product moment correlation technique. Before beginning the path analysis test, the researcher used the provided framework to develop a structural equation. The interpretation results lead us to the following conclusions: The variable of performance expectancy has a direct effect on behavior intention. The variable effort expectancy has a direct effect on behavior intention. The variable's performance and effort expectations have a direct impact on behavior intention. The changing performance expectancy has a direct impact on user behavior. The variable effort expectancy has a direct impact on user behavior. The variable behavior intention has a direct impact on user behavior. The variables behavior intention, performance expectancy, and effort expectancy all have a direct impact on user behavior. The performance expectancy variable influences user behavior indirectly through behavior intention. The effort expectancy variable influences user behavior indirectly through behavior intention.
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Afan Suyanto, M., Candra Dewi, L. K., Dharmawan, D., Suhardi, D., & Ekasari, S. (2024). Analysis of The Influence of Behavior Intention, Technology Effort Expectancy and Digitalization Performance Expectancy on Behavior To Use of QRIS Users in Small Medium Enterprises Sector. Jurnal Informasi Dan Teknologi, 6(1), 57-63. https://doi.org/10.60083/jidt.v6i1.472
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References
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[21] Suraharta, I. M., Djajasinga, N. D., Wicaksono, M. B. A., Akbar, R. A., Priono, N. J., Yusuf, M. A., & Gugat, R. M. D. (2022). Electric vehicle policy: the main pillar of Indonesia's future energy security. International Journal of Science and Society, 4(4), 142-156.
[22] Bakhar, M., Harto, B., Gugat, R. M. D., Hendrayani, E., Setiawan, Z., Surianto, D. F., ... & Tampubolon, L. P. D. (2023). PERKEMBANGAN STARTUP DI INDONESIA (Perkembangan Startup di Indonesia dalam berbagai bidang). PT. Sonpedia Publishing Indonesia.
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[24] Sadikin, A., Nuraeni, L., Mutmainnah, M., Yuniwati, I., & Riyanti, A. (2023). The Effect of Strategic Compensation, HR Development and Work Motivation on Vocational High School Teacher Performance. Journal on Education, 5(4), 10793-10800.
[25] Sumitra, A., Nuraeni, L., & Nafiqoh, H. (2018). Efektivitas Diklat Berjenjang Tingkat Dasar Terhadap Peningkatan Kompetensi Sosial Pendidik Paud (Studi Deskriptif Pada Pendidik Paud Di Kota Cimahi). Jurnal Ilmiah P2M STKIP Siliwangi, 5(1), 11-20.
[26] Nuraeni, L. (2015). Pemerolehan morfologi (verba) pada anak usia 3, 4 dan 5 tahun (suatu kajian neuro psikolinguistik). Tunas Siliwangi: Jurnal Program Studi Pendidikan Guru PAUD STKIP Siliwangi Bandung, 1(1), 13-30.
[27] Nuraeni, L., & Westisi, S. M. (2020). Efektivitas Pembelajaran Dengan Pendekatan Reggio Emilia Untuk Meningkatkan Kreativitas Anak Dalam Konteks Merdeka Belajar Di Taman Kanak-Kanak Kota Cimahi Pada Masa Pandemi Covid 19. Tunas Siliwangi: Jurnal Program Studi Pendidikan Guru PAUD STKIP Siliwangi Bandung, 6(2), 51-63.
[28] Dharta, F. Y., & Chaerudin, D. R. (2023, June). Using Digital Marketing Communications to Boost SMEs’ Local Economic Growth in Karawang Regency. In ICEMBA 2022: Proceedings of the International Conference on Economic, Management, Business and Accounting, ICEMBA 2022, 17 December 2022, Tanjungpinang, Riau Islands, Indonesia (p. 101). European Alliance for Innovation.
[29] Dharta, F. Y., Prasetyo, H., & Dema, Y. (2021). Influence of attitude on online impulse buying: perspective on marketing communication. Jurnal Studi Komunikasi, 5(3), 729-745.
[30] Nursanti, S., Dharta, F. Y., Chaerudin, C., Syam, S. P., & Purnama, R. N. (2022). Generation z's perceptions of health information about the Covid-19. Jurnal Studi Komunikasi, 6(2), 587-602.
[31] Siswanto, A., Pratiwi, R., Rokhmawati, D., & Dharta, F. Y. (2023). Analysis Of Determinant Factors Employee Performance Of Directorate General Of Intellectual Property Rights Republic Of Indonesia. JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi), 9(6), 2493-2498.
[32] Oktafiani, F., Irdiana, S., Moridu, I., Latuni, F., & Sesario, R. (2022). Effect of Dividend Policy on Stock Price in LQ45 Companies. BIRCI-Journal, 5(02), 10031-10039.
[33] Anantadjaya, S. P., Setiawan, B. A., Violin, V., Moridu, I., & Bailusy, M. N. (2023). Exploring Financial Technology’s Impact On Generation Z Transaction Knowledge. Jurnal Scientia, 12(03), 3945-3951.
[34] Iswanto, A. H., Moridu, I., Inayati, T., Hudzafidah, K., & Rapini, T. (2020). Mobilising financial performance of the Indonesian automotive industry: The role of innovation dimensions and environmental sustainability orientation. International Journal of Innovation, Creativity and Change, 11(6), 572-591.
[35] Sjahruddin, H., Hidayat, P., Moridu, I., & Sutaguna, I. N. T. (2022). Determination of The Best Employee Using The Behavioral Anchor Rating Scale. Jurnal Mantik, 6(3), 2753-2758.
[36] Violin, V., Hasan, S., & Sufri, M. (2022). Pengaruh Konsep Low-Cost Carrier dan Kualitas Layanan terhadap Kepuasan dan Loyalitas Pelanggan pada Maskapai Lion Airlines di Indonesia. Journal of Management Science (JMS), 3(1), 150-160.
[37] Violin, V. (2019). PENGARUH HARGA POKOK PRODUKSI TERHADAP VOLUME PENJUALAN PADA PT. SEMEN BOSOWA MAROS. Jurnal Bisnis dan Kewirausahaan, 8(2).
[38] Ardyansyah, F., Sutaguna, I. N. T., Moridu, I., Cakranegara, P. A., & Wiryawan, D. (2022). Business Strategy Formulation Based on SWOT Analysis: Case Study of PT Hatten Wine Bali. Budapest International Research and Critics Institute-Journal (BIRCI-Journal), 5(3), 19867-19876.
[39] Bakri, A. A., Wandanaya, A. B., Violin, V., & Fauzan, T. R. (2023). The Application of UTAUT Modified Model to Analyze the Customers Use Behavior of Shopee Paylater. Jurnal Sistim Informasi dan Teknologi, 96-101.
[40] Sutrisno, S., Wulandari, W., Violin, V., Supriyadi, A., & Tawil, M. R. (2023). Prioritization of the Best Online Platform for MSMEs Using Simple Additive Weighting Method. Journal on Education, 5(3), 10265-10275.
[41] Violin, V. (2022). Influence Leadership, Competence and Motivation To Performance Employee Service Health Regency Bay Bintuni West Papua Province. J. Adm. J. Pemikir. Ilm. dan Pendidik. Adm. Perkantoran, 9(2), 305-310.
[42] Lubis, F. M. (2019). DIGITAL LEADERSHIP IN MANAGING WORK MOTIVATION OF MILLENIAL EMPLOYEES:(STUDY CASE: OIL AND GAS INDUSTRY IN INDONESIA). Asia Proceedings of Social Sciences, 4(2), 108-110.
[43] Lubis, F., Rony, Z., & Santoso, B. (2020, March). Digital leadership in managing employee work motivation (case study: oil and gas industry in Indonesia). In Proceedings of the 2nd International Conference on Social Sciences, ICSS 2019, 5-6 November 2019, Jakarta, Indonesia.
[44] Aryanto, T., Tukinah, U., Hartarini, Y. M., & Lubis, F. M. (2020). Connection of Stress and Job Satisfaction to Successful Organizational Stress Management: A Literature Review. International Journal of Advanced Engineering Research and Science, 7(11).
[45] Mutlu, M., & Der, A, “Unified theory of acceptance and use of technology: The adoption of mobile messaging application,” Megatrend Revija, vol. 14, no. 1, pp. 169–186, 2017, https://doi.org/10.5937/megrev1701169m
[2] Kawiana, I. G. P., Dewi, L. K. C., Martini, L. K. B., & Suardana, I. B. R. (2018). The influence of organizational culture, employee satisfaction, personality, and organizational commitment towards employee performance. International research journal of management, IT and social sciences, 5(3), 35-45.
[3] Kawiana, I., Dewi, L. K. C., Hartati, P. S., Setini, M., & Asih, D. (2021). Effects of leadership and psychological climate on organizational commitment in the digitization era. Journal of Asian Finance, Economics and Business, 8(1), 1051-1062.
[4] Suyanto, M. A., Modding, B., Bima, M. J., & Hasan, S. (2017). The Effect of the Quality of Service And the Image of the Institution on the Values Received, the Satisfaction of And The Trust of College Students on Private Colleges in the Province of Gorontalo. Journal of Research in Humanities and Social Science, 5(10), 43-50.
[5] Bening, G. G., Karundeng, D. R., & Suyanto, M. A. (2023). Brand Image Impression on Customer Satisfaction Aston Gorontalo Hotel & Villas. International Journal Of Education, Social Studies, And Management (IJESSM), 3(2), 15-23.
[6] Wibowo, T. S., Suhendi, D., Suwandana, I. M. A., Nurdiani, T. W., & Lubis, F. M. (2023). The Role Of Transformational Leadership And Organizational Culture In Increasing Employee Commitment. International Journal of Economics, Business and Accounting Research (IJEBAR), 7(2).
[7] Rony, Z. T., Lubis, F. M., & Rizkyta, A. (2019). Job shadowing as one of the effective activities in the promotion process creates quality managers. International Journal of Recent Technology and Engineering, 8(2), 388-396.
[8] Lubis, Z., Zarlis, M., & Aulia, M. R. (2023). Performance Analysis of Oil Palm Companies Based on Barcode System through Fit Viability Approach: Long Work as A Moderator Variable. Aptisi Transactions on Technopreneurship (ATT), 5(1), 40-52.
[9] Junaidi, J., Lubis, Z., Effendi, I., Aulia, M. R., Utami, M. P., & Supriatna, D. (2023). Strategy Enhancement Performance MSMEs Through PTPN III Partnership Program. Devotion Journal of Community Service, 4(2), 438-445.
[10] Aulia, M. R., Saragi, C. P., & Simbolon, R. (2021). The Effect of Entrepreneurial Characteristics on Entrepreneurial Competence and Entrepreneurial Competence on Business Performance of Micro and Small-Scale Coffee Shops in Bogor. BASKARA: Journal of Business and Entrepreneurship, 4(1), 37-48.
[11] Aulia, M. R. (2020). Pengaruh kompetensi kewirausahaan terhadap kinerja usaha kedai kopi skala mikro dan kecil pada masa pandemi Covid-19 di Kota Medan. Jurnal Agriust, 38-44.
[12] Aulia, M. R. (2020). Pengaruh Kompetensi Kewirausahaan Terhadap Kinerja Usaha Kedai Kopi Skala Mikro Dan Kecil Di Kota Medan. Jurnal Manajemen Bisnis Krisnadwipayana, 8(3), 100-113.
[13] Fitri, S., Wardana, Y. F. W., Mustafa, F., Sari, E. N., & Arief, I. (2023). Analysis of The Influence of Online Purchase Decisions, Digital Perceive Value of Quality and Digital Viral Marketing on Consumer Satisfaction of Skincare Products. Jurnal Informasi dan Teknologi, 148-152.
[14] Sari, E. N. (2021). Pengaruh Store Atmosphere Terhadap Keputusan Pembelian Kopi Pada Kong Djie Café Pekanbaru. Innovative: Journal Of Social Science Research, 1(2), 73-80.
[15] Sudirman, W. F. R., Sari, E. N., Reza, S., Syaipudin, M., & Hidayat, H. (2023). Apakah fintech lending berpengaruh terhadap kinerja bank syariah di indonesia?. MONEY: JOURNAL OF FINANCIAL AND ISLAMIC BANKING, 1(2), 81-90.
[16] Sari, E. N., Farhas, R. J., Zulmi, S., & Zakky, M. A. (2021). Analisis Keputusan Konsumen Dalam Pembelian Smartphone (Studi Kasus Pada Mahasiswa Universitas Pahlawan Tuanku Tambusai). Innovative: Journal Of Social Science Research, 1(2), 688-695.
[17] Rabialdy, F., & Sari, E. N. (2022). Peran Program Pelatihan Terhadap Kinerja UKM Di Kota Pekanbaru. Jurnal Ilmiah Ekonomi Dan Pajak, 2(2), 8-12.
[18] Ricardianto, P., Ikhsan, R., Setiawati, R., & Gugat, R. (2020). How to improve ship crew’s work effectiveness through the leadership style, work life balance and employee engagement in Indonesia national shipping. Management Science Letters, 10(2), 399-410.
[19] Hartatik, H., Kwintiana, B., Nengsih, T. A., Baradja, A., Harto, B., Sudipa, I. G. I., ... & Gugat, R. M. D. (2023). DATA SCIENCE FOR BUSINESS: Pengantar & Penerapan Berbagai Sektor. PT. Sonpedia Publishing Indonesia.
[20] Suhardjono, S., Cakranegara, P. A., Sari, A. R., Gugat, R. M. D., & Mayasari, N. (2022). Analysis of Internet Utilization for the Community in Terms of Rural and Urban Conditions in the Province of Indonesia. Jurnal Mantik, 6(3), 2954-2961.
[21] Suraharta, I. M., Djajasinga, N. D., Wicaksono, M. B. A., Akbar, R. A., Priono, N. J., Yusuf, M. A., & Gugat, R. M. D. (2022). Electric vehicle policy: the main pillar of Indonesia's future energy security. International Journal of Science and Society, 4(4), 142-156.
[22] Bakhar, M., Harto, B., Gugat, R. M. D., Hendrayani, E., Setiawan, Z., Surianto, D. F., ... & Tampubolon, L. P. D. (2023). PERKEMBANGAN STARTUP DI INDONESIA (Perkembangan Startup di Indonesia dalam berbagai bidang). PT. Sonpedia Publishing Indonesia.
[23] Risnawati, A., & Nuraeni, L. (2019). Meningkatkan kemampuan berbahasa Sunda anak usia dini melalui kegiatan Rebo Nyunda di pendidikan anak usia dini. CERIA (Cerdas Energik Responsif Inovatif Adaptif), 2(5), 243-250.
[24] Sadikin, A., Nuraeni, L., Mutmainnah, M., Yuniwati, I., & Riyanti, A. (2023). The Effect of Strategic Compensation, HR Development and Work Motivation on Vocational High School Teacher Performance. Journal on Education, 5(4), 10793-10800.
[25] Sumitra, A., Nuraeni, L., & Nafiqoh, H. (2018). Efektivitas Diklat Berjenjang Tingkat Dasar Terhadap Peningkatan Kompetensi Sosial Pendidik Paud (Studi Deskriptif Pada Pendidik Paud Di Kota Cimahi). Jurnal Ilmiah P2M STKIP Siliwangi, 5(1), 11-20.
[26] Nuraeni, L. (2015). Pemerolehan morfologi (verba) pada anak usia 3, 4 dan 5 tahun (suatu kajian neuro psikolinguistik). Tunas Siliwangi: Jurnal Program Studi Pendidikan Guru PAUD STKIP Siliwangi Bandung, 1(1), 13-30.
[27] Nuraeni, L., & Westisi, S. M. (2020). Efektivitas Pembelajaran Dengan Pendekatan Reggio Emilia Untuk Meningkatkan Kreativitas Anak Dalam Konteks Merdeka Belajar Di Taman Kanak-Kanak Kota Cimahi Pada Masa Pandemi Covid 19. Tunas Siliwangi: Jurnal Program Studi Pendidikan Guru PAUD STKIP Siliwangi Bandung, 6(2), 51-63.
[28] Dharta, F. Y., & Chaerudin, D. R. (2023, June). Using Digital Marketing Communications to Boost SMEs’ Local Economic Growth in Karawang Regency. In ICEMBA 2022: Proceedings of the International Conference on Economic, Management, Business and Accounting, ICEMBA 2022, 17 December 2022, Tanjungpinang, Riau Islands, Indonesia (p. 101). European Alliance for Innovation.
[29] Dharta, F. Y., Prasetyo, H., & Dema, Y. (2021). Influence of attitude on online impulse buying: perspective on marketing communication. Jurnal Studi Komunikasi, 5(3), 729-745.
[30] Nursanti, S., Dharta, F. Y., Chaerudin, C., Syam, S. P., & Purnama, R. N. (2022). Generation z's perceptions of health information about the Covid-19. Jurnal Studi Komunikasi, 6(2), 587-602.
[31] Siswanto, A., Pratiwi, R., Rokhmawati, D., & Dharta, F. Y. (2023). Analysis Of Determinant Factors Employee Performance Of Directorate General Of Intellectual Property Rights Republic Of Indonesia. JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi), 9(6), 2493-2498.
[32] Oktafiani, F., Irdiana, S., Moridu, I., Latuni, F., & Sesario, R. (2022). Effect of Dividend Policy on Stock Price in LQ45 Companies. BIRCI-Journal, 5(02), 10031-10039.
[33] Anantadjaya, S. P., Setiawan, B. A., Violin, V., Moridu, I., & Bailusy, M. N. (2023). Exploring Financial Technology’s Impact On Generation Z Transaction Knowledge. Jurnal Scientia, 12(03), 3945-3951.
[34] Iswanto, A. H., Moridu, I., Inayati, T., Hudzafidah, K., & Rapini, T. (2020). Mobilising financial performance of the Indonesian automotive industry: The role of innovation dimensions and environmental sustainability orientation. International Journal of Innovation, Creativity and Change, 11(6), 572-591.
[35] Sjahruddin, H., Hidayat, P., Moridu, I., & Sutaguna, I. N. T. (2022). Determination of The Best Employee Using The Behavioral Anchor Rating Scale. Jurnal Mantik, 6(3), 2753-2758.
[36] Violin, V., Hasan, S., & Sufri, M. (2022). Pengaruh Konsep Low-Cost Carrier dan Kualitas Layanan terhadap Kepuasan dan Loyalitas Pelanggan pada Maskapai Lion Airlines di Indonesia. Journal of Management Science (JMS), 3(1), 150-160.
[37] Violin, V. (2019). PENGARUH HARGA POKOK PRODUKSI TERHADAP VOLUME PENJUALAN PADA PT. SEMEN BOSOWA MAROS. Jurnal Bisnis dan Kewirausahaan, 8(2).
[38] Ardyansyah, F., Sutaguna, I. N. T., Moridu, I., Cakranegara, P. A., & Wiryawan, D. (2022). Business Strategy Formulation Based on SWOT Analysis: Case Study of PT Hatten Wine Bali. Budapest International Research and Critics Institute-Journal (BIRCI-Journal), 5(3), 19867-19876.
[39] Bakri, A. A., Wandanaya, A. B., Violin, V., & Fauzan, T. R. (2023). The Application of UTAUT Modified Model to Analyze the Customers Use Behavior of Shopee Paylater. Jurnal Sistim Informasi dan Teknologi, 96-101.
[40] Sutrisno, S., Wulandari, W., Violin, V., Supriyadi, A., & Tawil, M. R. (2023). Prioritization of the Best Online Platform for MSMEs Using Simple Additive Weighting Method. Journal on Education, 5(3), 10265-10275.
[41] Violin, V. (2022). Influence Leadership, Competence and Motivation To Performance Employee Service Health Regency Bay Bintuni West Papua Province. J. Adm. J. Pemikir. Ilm. dan Pendidik. Adm. Perkantoran, 9(2), 305-310.
[42] Lubis, F. M. (2019). DIGITAL LEADERSHIP IN MANAGING WORK MOTIVATION OF MILLENIAL EMPLOYEES:(STUDY CASE: OIL AND GAS INDUSTRY IN INDONESIA). Asia Proceedings of Social Sciences, 4(2), 108-110.
[43] Lubis, F., Rony, Z., & Santoso, B. (2020, March). Digital leadership in managing employee work motivation (case study: oil and gas industry in Indonesia). In Proceedings of the 2nd International Conference on Social Sciences, ICSS 2019, 5-6 November 2019, Jakarta, Indonesia.
[44] Aryanto, T., Tukinah, U., Hartarini, Y. M., & Lubis, F. M. (2020). Connection of Stress and Job Satisfaction to Successful Organizational Stress Management: A Literature Review. International Journal of Advanced Engineering Research and Science, 7(11).
[45] Mutlu, M., & Der, A, “Unified theory of acceptance and use of technology: The adoption of mobile messaging application,” Megatrend Revija, vol. 14, no. 1, pp. 169–186, 2017, https://doi.org/10.5937/megrev1701169m