THE EFFECT OF USING CASHLESS QRIS PAYMENTS ON STUDENTS' IMPULSE BUYING BEHAVIOR
Keywords:
Standard Operating Procedures, Work Efficiency, MSMEs, Linear Regression, SPSSAbstract
This study aims to analyze the effect of the implementation of Standard Operating Procedures (SOP) on work efficiency
in Micro, Small, and Medium Enterprises (MSMEs). The research employed a quantitative approach using data
collected through questionnaires distributed to MSME respondents. The research instrument was tested using
Cronbach’s Alpha reliability test, which yielded a value of 0.943, indicating a very high level of reliability. Data
analysis was conducted using Pearson correlation and simple linear regression with the assistance of IBM SPSS
Statistics. The results indicate a positive relationship between SOP implementation and work efficiency. The
regression model produced an R Square value of 0.444, meaning that 44.4% of the variation in work efficiency can
be explained by SOP implementation. The ANOVA test showed that the regression model is significant (Sig. = 0.009
< 0.05), and the regression coefficient revealed that SOP implementation has a positive and significant effect on
MSME work efficiency. These findings suggest that the better the implementation of SOP in MSME operations, the
higher the level of work efficiency achieved.
Downloads
References
Akhmal, Akhwanul, and Metya Lutviani. 2024. “Qris Application User Behavior Model and
Its Relationship to Impulsive Buying.” Lentera Bisnis Journal 13(3):1592–1606.
doi:10.34127/jrlab.v13i3.1207.
Chairunnisa, Silvira. n.d. "QRIS Digital Payment Services (Case Study at GenBI)." Dasery,
Nuryanida. n.d. "At the Muhammadiyah Jakarta College of Economics." Harahap, Raja
Sakti Putra, Ahmad Afandi, Maisarah Lubis, and Leni Indriani. 2023.
"Determinants of Student Preferences in Using the Indonesian Standard Quick Response Code
(QRIS) as a Payment Transaction Tool." Innovative: Journal of Social Science Research
(1):312–19.
Kurniawti, Eris Tri, Idah Zuhroh, and Nazaruddin Malik. 2021. "Literacy and Education of
Non-Cash Payments Through the Indonesian Standard QR Code (QRIS) Application
Among
Millennials."
Economic
Innovation
https://ejournal.umm.ac.id/index.php/skie/article/view/14674.
Case
Study
(01).
Ompusunggu, Hermaya, and Poniman Poniman. 2024. “Empirical Study of Cashless and
Cardless Payment Systems.” Owner: Research and Accounting Journal 8(2):1117–24.
doi:10.33395/owner.v8i2.2037.
Saputra, Gian Ambari, and Szaira Pramulita. 2025. “Cashless Movement: The Role of QRIS
as a Digital Payment in Driving Consumer Purchasing Decisions of MSMEs in Saparua,
Bandung.” RIGGS: Journal of Artificial Intelligence and Digital Business 4(3):7658–66.
doi:10.31004/riggs.v4i3.3156.
Simaremare, Sri Indah Vanettha. n.d. “The Relationship Between Customer Value and Impulse
Buying Among Female Psychology Students of Diponegoro University Semarang, Class
of 2017.”
Zahra, Siti Nur, Yuhana Astuti, and Deden Syarif Hidayatulloh. 2023. “The Influence of QRIS
Digital Payment on the Consumptive Behavior of Students of the Faculty of Economics
and Business, Telkom University (Case Study at the TEL-U Food Court).” Cakrawala
Repositori IMWI 6(4):1117–32. doi:10.52851/cakrawala.v6i4.330.
Zed, Etty Zuliawati, Naswa Nur Hanifah, Cherisa Zirly Fera, Elena Prihayanti, and Bayhaqi
Bayhaqi. 2025. “The Influence of Qris Use as a Digital Payment Tool on Consumer
Behavior in the Cashless Society Era.” Journal of Management Science and Education | E
ISSN: 3062-7788 2(2):615–20.
Downloads
Published
Issue
Section
License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.





