Efektivitas Sistem QRIS dalam Meningkatkan Volume Transaksi UMKM Kota Surabaya

Authors

  • Yudi Limbar Yasik Universitas Teknologi Bandung
  • Muhamad Malik Mutoffar Universitas Teknologi Bandung

DOI:

https://doi.org/10.30742/equilibrium.v21i2.4854

Keywords:

QRIS, Volume Transaksi, UMKM, Digitalisasi, Regresi Linier

Abstract

This study aims to analyze the effect of using the Quick Response Code Indonesian Standard (QRIS) on increasing the transaction volume of Micro, Small, and Medium Enterprises (MSMEs) in Surabaya City. The research is motivated by the growing need to accelerate the digitalization of payment systems in the MSME sector to improve efficiency, financial inclusion, and business competitiveness. A quantitative approach was employed using an associative research design. Primary data were collected from 120 MSME respondents who had adopted QRIS, using a structured Likert-scale questionnaire. Data were then analyzed using simple linear regression. The findings reveal that the use of QRIS has a positive and significant effect on MSME transaction volume, indicated by a regression coefficient of 0.683 and a coefficient of determination (R²) of 0.570. This implies that 57% of the variation in transaction volume can be explained by QRIS usage. The significance value of 0.000 from both the F-test and t-test confirms the statistical validity of the regression model. These results suggest that QRIS serves as an effective, secure, and inclusive digital payment solution for MSMEs. The study recommends increased education, training, and supporting infrastructure to ensure broader adoption and optimal utilization of QRIS. This research also opens opportunities for future studies with a more comprehensive approach and wider geographic scope.

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Published

2025-10-28

Issue

Vol. 21 No. 2 (2025): October

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