Perceived Ease Of Use And Islamic Financial Literacy On The Intention To Use Qris Among Msmes In Central Aceh: Perceived Ease Of Use And Islamic Financial Literacy On The Intention To Use Qris Among Msmes In Central Aceh

Nadda Hatini; Rahmawati6; Mohi Uddin

doi:10.24239/jipsya.v8i1.400.57-72

Authors

Nadda Hatini Sultanah Nahrasiyah State Islamic University Lhoksemawe
Rahmawati Sultanah Nahrasiyah State Islamic University Lhoksemawe
Md.Mohi Uddin University of Dhaka, Bangladesh

DOI:

https://doi.org/10.24239/jipsya.v8i1.400.57-72

Keywords:

QRIS Usage Intention;MSMEs, Sharia Financial Literacy, Perceived Ease of Use, Central Aceh

Abstract

This study aims to analyze the influence of Islamic financial literacy and perceived ease of use on the interest in using QRIS among MSMEs in Central Aceh Regency. This study used a quantitative approach with a survey method by distributing questionnaires to 91 respondents selected using a purposive sampling technique. Data analysis was performed using multiple linear regression with the help of SPSS software. The results of the normality test showed a significance value of 0.020 (<0.05), which means the data was not normally distributed, but the analysis was continued because the sample size was sufficient. The coefficient of determination (R²) value of 0.970 indicates that the variables of Islamic financial literacy and perceived ease of use are able to explain 97% of the variation in interest in using QRIS. The results of the simultaneous test (F) showed a significant effect with a significance value of 0.000 (<0.05). Partially, perceived ease of use has a positive and significant effect on interest in using QRIS, while Islamic financial literacy has a positive but insignificant effect. Thus, perceived ease of use is a dominant factor in increasing interest in using QRIS among MSMEs. In conclusion, perceived convenience is the dominant factor in increasing interest in using QRIS, while Islamic financial literacy has not played a significant role6

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