THE EFFECT OF FINANCIAL LITERACY, RISK PERCEPTION, AND SOCIAL ENVIRONMENT ON INTEREST IN USING QRIS IN MIE BALAP ( RISING NOODLE ) UMKM IN MEDAN CITY
Keywords:
Literacy Finance, Risk Perception, Environment Social, Interest in Using QRIS, MSMEsAbstract
Development digital technology has push change system payments in the Micro, Small and Medium Enterprises (MSMEs) sector , one of which is through use Quick Response Code Indonesian Standard (QRIS). However , the use of QRIS by Mie Balap MSMEs in Medan City is still not optimal. Research This aim For know influence literacy finance , perception risks and environment social to interest The use of QRIS in Mie Balap ( Rising Noodle ) MSMEs in Medan City. Research This use method quantitative with approach associative . Research data obtained through distribution questionnaire to 160 Mie Balap MSME actors in Medan City and analyzed use multiple linear regression with SPSS assistance . Research results show that literacy finance influential positive and significant to interest use of QRIS with mark significance 0.039. Perception risk influential positive However No significant with mark significance 0.092. Environment social influential positive and significant with mark significance of 0.049. In simultaneous , literacy finance , perception risks and environment social influential significant to interest use of QRIS with mark significance of 0.000. The results show that improvement literacy finance and support environment social become factor important in push interest use of QRIS at Mie Balap MSMEs in Medan City.
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