| dc.description.abstract | This research has four objectives. First, how financial attitudes mediate
financial literacy so that it affects the effectiveness of QRIS use. Second, how
financial behavior mediates financial literacy so that it affects the effectiveness of
QRIS use. Third, how financial and financial behavior mediate financial literacy so
that they affect the effectiveness of QRIS use. Fourth, how financial literacy affects
the effectiveness of QRIS use moderated by Technology Acceptance Model (TAM).
This research data analysis technique uses Structure Equation Modeling (SEM).
Determination of the sample in this study uses purposive sampling. In which the
sample criteria are MSME owners who use QRIS in micro businesses in 4 (four)
cities in Indonesia. Respondents were 204 MSME owners who use QRIS from
Medan, Bali, Makassar, and Bali. The results of this study are four. First, financial
attitudes cannot mediate financial literacy in influencing the effectiveness of using
QRIS for MSME owners. Second, financial behavior is able to mediate financial
literacy affecting the effectiveness of QRIS use. Third, financial literacy and financial
behavior affect the effectiveness of QRIS use but financial attitudes have no effect.
Fourth, financial literacy has a positive effect on the effectiveness of QRIS use but
TAM has no impact on moderating financial literacy on the effectiveness of QRIS
use for MSME owners in Indonesia. Therefore, it is important for local and central
governments to conduct socialization related to financial literacy and technological
literacy for micro and small business owners in Indonesia. | en_US |
