Electronic Theses and Dissertation

ABSTRAK
Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki kontribusi signifikan
terhadap perekonomian Indonesia, termasuk di Kota Banda Aceh, di mana adopsi
teknologi pembayaran digital seperti Quick Response Code Indonesian Standard
(QRIS) dinilai dapat meningkatkan efisiensi dan efektivitas kinerja bisnis.
Penelitian ini bertujuan untuk mengkaji pengaruh persepsi manfaat, persepsi
kemudahan penggunaan, dan persepsi risiko QRIS terhadap kinerja bisnis UMKM
di Kota Banda Aceh. Penelitian menggunakan pendekatan kuantitatif dengan
menggunakan data primer. Kuesioner disebarkan kepada 140 pelaku UMKM
pengguna QRIS, yang dipilih melalui teknik snowball sampling dan data dianalisis
menggunakan regresi linier berganda. Hasil penelitian menunjukkan secara
simultan ketiga variabel independen berpengaruh signifikan terhadap Kinerja
Bisnis. Secara parsial, Persepsi Manfaat berpengaruh positif dan signifikan,
Persepsi Kemudahan Penggunaan berpengaruh positif dan signifikan, serta Persepsi
Risiko juga berpengaruh positif dan signifikan terhadap Kinerja Bisnis. Temuan ini
mengindikasikan bahwa penggunaan QRIS dapat memberikan manfaat nyata bagi
pelaku UMKM, terutama dalam efisiensi transaksi, selama kekhawatiran terkait
risiko dapat diminimalkan. Penelitian ini memberikan implikasi penting bagi
pengambil kebijakan dan pelaku UMKM dalam mendorong adopsi teknologi
pembayaran digital secara lebih luas dan efektif.

Kata Kunci: Persepsi Manfaat, Persepsi Kemudahan Penggunaan, Persepsi
Risiko, dan Kinerja Bisnis.

ABSTRACT Micro, Small, and Medium Enterprises (MSMEs) make a significant contribution to Indonesia's economy, including in Banda Aceh City, where the adoption of digital payment technologies such as the Quick Response Code Indonesian Standard (QRIS) is considered capable of enhancing business efficiency and effectiveness. This study aims to examine the influence of perceived usefulness, perceived ease of use, and perceived risk of QRIS on the business performance of MSMEs in Banda Aceh City. The research employs a quantitative approach using primary data. Questionnaires were distributed to 140 MSME actors using QRIS, selected through the snowball sampling technique, and the data were analyzed using multiple linear regression analysis. The results show that, simultaneously, the three independent variables have a significant effect on business performance. Partially, perceived usefulness has a positive and significant effect, perceived ease of use has a positive and significant effect, and perceived risk also has a positive and significant effect on business performance. These findings indicate that the use of QRIS can provide tangible benefits for MSME actors, particularly in transaction efficiency, as long as concerns related to risk can be minimized. This study provides important implications for policymakers and MSME practitioners in promoting broader and more effective adoption of digital payment technologies. Keywords: Perceived Usefulness, Perceived Ease of Use, Perceived Risk, Business Performance.