The Influence of Digital Financial Literacy, Perceived Ease of Use, Perceived Usefulness, Social and Political on The Intention and Use Behavior of Using QRIS as a Payment System in Traditional Retail

Tue, 10 Jun 2025 00:00:00 +0000

The presence of QRIS in traditional retail in Pringsewu Regency as one of the digital payment systems is part of the steps to support the National Non-Cash Movement (GNNT). This study aims to determine the direct influence of digital financial literacy, perception of convenience, perception of benefits, social and political on the intention and behavior of using QRIS as a payment system in traditional retail (study on traditional retail in Pringsewu Regency). This type of research is explanatory research using a quantitative approach. The data obtained from the questionnaire consisted of 23 questions and were submitted to 105 respondents, then analyzed using SmartPLS, so that the results of the study were in the form of relationships between the variables being compared. The results of this study indicate that the variables of digital financial literacy, perception of benefits, and politics do not significantly influence the intention to use QRIS. However, the variables of perception of convenience and social have a significant effect on behavioral intentions. While the variable of intention to use QRIS is known to have a significant influence on the behavior of using QRIS in traditional retail in Pringsewu Regency. The implications of this study support the cultivation of a digital-based economic system. There is a need to be supported with the development of technological infrastructure, such as expanding internet access, switching to a digital-based payment system, modernizing traditional retail, and so on. In order to be realized, contributions from various parties and related policy makers are needed so that this multidisciplinary issue can find a holistic solution.

The Influence of CAMEL Ratio on Bank Stock Price Changes Post COVID-19

Havid Dasuki, Suripto Suripto, Kussuyatmono Bagus Wardianto — Wed, 18 Jun 2025 00:00:00 +0000

The purpose of this study is to empirically test the effect of CAMEL on changes in stock prices after COVID-19 in banking companies listed on the Indonesia Stock Exchange. This study is descriptive explanatory with a quantitative approach. Analysis with data processing using the EViews program. The results of the study indicate that CAR has no significant effect on changes in stock prices, RORA has a significant effect and has a negative relationship direction on changes in stock prices, NPM has no significant effect on changes in stock prices, ROA has a significant effect and has a positive relationship direction on changes in stock prices, and LDR has no significant effect on changes in stock prices.

The Eastasouth Journal of Social Science and Humanities

The Influence of Digital Financial Literacy, Perceived Ease of Use, Perceived Usefulness, Social and Political on The Intention and Use Behavior of Using QRIS as a Payment System in Traditional Retail

The Influence of CAMEL Ratio on Bank Stock Price Changes Post COVID-19