PENGARUH PERSEPSI RISIKO, KEAMANAN, DAN KEPERCAYAAN TERHADAP MINAT MENGGUNAKAN SISTEM PEMBAYARAN QR CODE INDONESIAN STANDARD (QRIS) PADA PELAKU UMKM KOTA PALOPO

Agnes Tasya, 2024. “The Influence of Perceived Risk, Security, and Trust on
Interest in Using Payment Systems QR Code Indonesian Standard
(QRIS) for Palopo City MSME Actors”. Thesis Sharia Banking Study
Program Faculty of Economics and Islamic Business in the State
Islamic Institute Palopo. Supervised by Ishak.
This thesis discusses The Influence of Perceived Risk, Security, and Trust
on Interest in Using Payment Systems QR Code Indonesian Standard (QRIS) for
Palopo City MSME Actors. This research aims to determine the influence of
perceived risk, security and trust, both partially and simultaneously, on interest in
using payment systems QR Code Indonesian Standard (QRIS) for MSMEs in
Palopo City.
This type of research is Explanatory Research with a quantitative approach
to determine possible cause and effect relationships. This research was conducted
in Palopo City from May to July 2024. The population in this research was
MSMEs who use QRIS in Palopo City with a sample size of 100 respondents.
Sampling is carried out using techniques Non-Probability Sampling type
Purposive Sampling. Data was obtained through questionnaires distributed to
respondents to be answered according to research needs. The data analysis used is
the research instrument test, classical assumption test, multiple linear regression
analysis, t test, F test, and coefficient of determination test (R2
).
The results of this research show that risk perception partially has a
negative and significant effect on interest in using QRIS, security partially has a
positive and significant effect on interest in using QRIS, while trust partially has a
positive and significant effect on interest in using QRIS. Perceptions of risk,
security and trust simultaneously have a significant influence on interest in using
QRIS by 39.2%, while the remaining 60.8% is influenced by other factors not
included in this study.
Keywords: Risk Perception, Security, Trust, Intention to Use