PENGARUH SISTEM PEMBAYARAN QRIS TERHADAP EFISIENSI TRANSAKSI UMKM PADA KANTIN KAMPUS

Abstract

The risk of counterfeit money circulation, long queues, and the untidiness of manual cash book administration records that are prone to loss are the background to this research. These operational problems trigger inefficiencies in operational cash circulation and potential cash change conflicts among small traders. The main focus of this scientific study is to dissect and test the effect of the Quick Response Code Indonesian Standard (QRIS) payment system on transaction efficiency of MSMEs operating in campus canteens at Gorontalo State University. This associative descriptive quantitative research step was operated through sampling using the Slovin formula, resulting in a total of 56 respondents from a population of 129 micro-businesses. The primary data collection procedure was collected through the distribution of a five-level Likert scale closed-ended questionnaire, interviews, and direct observation, which were then analyzed using residual normality testing and simple linear regression modeling. The quantitative data from the research empirically revealed that the QRIS system had a positive and significant effect on transaction efficiency, indicated by the achievement of a calculated t value of 14.837 > t table 2.004 at a significance level of 0.000. The coefficient of determination (R-square) analysis yielded a very strong contribution of 80.3 percent, while the remaining 19.7 percent of variability was influenced by external factors outside the model. The main conclusion confirms that real-time financial recapitulation automation has proven highly reliable in streamlining the operational cash flow management of campus entrepreneurship in a comprehensive and sustainable manner.

ABSTRAK

Risiko peredaran uang palsu, antrean panjang, serta ketidakrapian pencatatan administrasi buku kas manual yang rawan hilang melatarbelakangi penelitian ini. Masalah operasional tersebut memicu terjadinya inefisiensi sirkulasi kas operasional serta potensi konflik kembalian tunai di kalangan pedagang kecil. Fokus utama kajian ilmiah ini adalah membedah dan menguji pengaruh sistem pembayaran Quick Response Code Indonesian Standard (QRIS) terhadap efisiensi transaksi pelaku UMKM kantin kampus di Universitas Negeri Gorontalo. Langkah-langkah penelitian kuantitatif deskriptif asosiatif ini dioperasikan melalui penarikan sampel menggunakan rumus Slovin, menghasilkan total 56 responden dari populasi 129 pelaku usaha mikro. Prosedur pengumpulan data primer dihimpun lewat penyebaran instrumen angket kuesioner tertutup skala Likert lima tingkat, wawancara, dan observasi langsung, yang selanjutnya dianalisis menggunakan pengujian persyaratan normalitas residual serta permodelan regresi linier sederhana. Data kuantitatif hasil penelitian secara empiris menyingkap bahwa sistem QRIS berpengaruh positif dan signifikan terhadap efisiensi transaksi, ditunjukkan oleh capaian nilai thitung sebesar 14,837 > ttabel 2,004 pada taraf signifikansi 0,000. Analisis koefisien determinasi (R-square) menghasilkan kontribusi sangat kuat sebesar 80,3 persen, sedangkan sisa variabilitas 19,7 persen dipengaruhi faktor eksternal luar model. Simpulan utama menegaskan bahwa otomatisasi rekapitulasi finansial secara real-time terbukti sangat andal memperlancar pengelolaan arus kas operasional wirausaha kampus secara menyeluruh dan berkelanjutan.