QRIS Usage and Transaction Efficiency among Culinary Micro-Enterprises in Kendari City

Rachmawati Rachmawati; Muhammad Faried Pratama

doi:10.54518/rh.6.1.2026.992

Authors

Rachmawati Rachmawati Sekolah Tinggi Ilmu Ekonomi Enam Enam, Indonesia
Muhammad Faried Pratama Sekolah Tinggi Ilmu Ekonomi Enam Enam, Indonesia

DOI:

https://doi.org/10.54518/rh.6.1.2026.992

Keywords:

Culinary Sector, Digital Payments, Micro-Enterprises, QRIS, Transaction Efficiency

Abstract

The development of digital payment systems has encouraged micro-enterprises to adopt non-cash transaction methods that offer greater efficiency. This study aims to examine the effect of QRIS usage on transaction efficiency from the perspective of micro-enterprises in the culinary sector in Kendari City. The study employs a quantitative explanatory approach using a survey method involving 84 micro-enterprise owners who have used QRIS for at least six months. Data were collected through structured questionnaires and analyzed using simple linear regression. The results indicate that QRIS usage has a positive and significant effect on transaction efficiency. Increased utilization of QRIS is proven to accelerate transaction processes, reduce operational costs associated with cash handling, and improve the accuracy of financial record-keeping. The coefficient of determination shows that QRIS usage explains a substantial proportion of the variance in transaction efficiency. These findings highlight that QRIS functions not only as a digital payment instrument but also as a mechanism to enhance operational efficiency among micro-enterprises in the culinary sector. This study provides empirical evidence that enriches the literature on digital payment systems in the context of micro-enterprises, particularly in Eastern Indonesia, and offers practical insights for business actors and policymakers in promoting payment system digitalization.

Downloads

Download data is not yet available.

References

Agboola, O., Adelugba, I. A., & Eze, B. U. (2023). Effect of financial technology on the survival of micro-enterprises. International Journal of Entrepreneurial Knowledge, 11(1), 1-13.

Agustin, D., Litriani, E., Junaidi, H., Arodha, D., & Arifin, I. (2025). Digital-QRIS: Optimization of zakat initiative service in Palembang City to increase infak and shadaqah fund collection. Jurnal I-Philanthropy: A Research Journal on Management of Zakat and Waqf, 5(1), 1-13.

Al Ansori, M. M., & Lestari, E. P. (2025). The effect of ease of use, benefits, and risks on QRIS usage intention with trust as moderator. Research Horizon, 5(4), 1049–1062.

Alghamdi, N. S., & Alghamdi, S. M. (2022). The role of digital technology in curbing COVID-19. International journal of environmental research and public health, 19(14), 8287-8299.

Amelia, N., & Yuniarsih, Y. (2025). Analisis pengaruh QRIS terhadap efisiensi pembayaran lansia di Pasar Baros Cimahi. Indonesian Journal of Social Science and Education (IJOSSE), 1(3), 194-200.

Amri, A., Malik, R. F., & Fachrandi, M. K. (2025). Determinants influencing QRIS adoption as a digital payment tool in Ciledug, Tangerang City. Airlangga Journal of Innovation Management, 6(1), 154-170.

Astuti, M., Arifin, Z., Mutohhari, F., & Nurtanto, M. (2021). Competency of digital technology: the maturity levels of teachers and students in vocational education in Indonesia. Journal of Education Technology, 5(2), 254-262.

Astuti, N. (2025). QRIS adoption determinants: Analysis of the role of ease of use, trust, and promotion with user satisfaction as an intervening. Sibatik Journal: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, dan Pendidikan, 4(4), 289-306.

Benyam, A. A., Soma, T., & Fraser, E. (2021). Digital agricultural technologies for food loss and waste prevention and reduction: Global trends, adoption opportunities and barriers. Journal of Cleaner Production, 323(1), 129-140.

Biswas, B., Gupta, R. P., & Sharma, M. (2025). Parameters of sustainability: a systematic literature review and bibliometric analysis with respect to micro enterprises. Vilakshan-XIMB Journal of Management, 22(1), 116-132.

Böttcher, T. P., Empelmann, S., Weking, J., Hein, A., & Krcmar, H. (2024). Digital sustainable business models: Using digital technology to integrate ecological sustainability into the core of business models. Information Systems Journal, 34(3), 736-761.

Christian, A. G., & Ardianti, R. R. (2023). Continuance intention pelaku usaha mikro dan kecil terhadap penggunaan QRIS untuk transaksi pembayaran. Journal of Practical Management Studies (JPMS), 1(1), 07-15.

Dewi, N. W. C., & Prianthara, I. B. T. (2022). Examining MSME strategies in the culinary sector to survive in the new normal era. International Journal of Economics, Business and Accounting Research (IJEBAR), 6(2), 1712-1721.

Dwiyanisa, A., Larashati, I., & Annisa, D. B. (2023). Factors forming the quality of electronic services of Payment System Service Providers (PJSP) QRIS on micro businesses (merchants) in Bandung City with e-service quality and is success approaches. Jurnal Computech & Bisnis (e-journal), 17(2), 125-144.

Fadhil, M., Dawood, T. C., & Seftarita, C. (2025). The analysis of QRIS usage and its impact on the velocity of money in Indonesia. Grimsa Journal of Business and Economics Studies, 2(2), 104-112.

Gainau, P. C., Engko, C., & Gaspersz, Y. T. (2023). Sistem pembayaran QRIS sebagai upaya pengembangan UMKM di kota Ambon. Journal of Business & Banking, 13(2), 177-191.

Hair, J., & Alamer, A. (2022). Partial Least Squares Structural Equation Modeling (PLS-SEM) in second language and education research: Guidelines using an applied example. Research Methods in Applied Linguistics, 1(3), 100-112.

Haqbin, N., & Thaker, M. T. M. A. B. (2025). The behavioral intention of micro enterprises to use the integrated Qardhul Hasan and equity-based microenterprise development (IQEMD) model as a source of financing. International Journal of Islamic and Middle Eastern Finance and Management, 18(2), 333-359.

Hartono, M. F., Nandang, N., Ramadhani, D. B., & Rosalia, I. (2024). Evaluating the use of QRIS in MSME services: insights for financial education in Tawang, Tasikmalaya. Journal Corner of Education, Linguistics, and Literature, 4(001), 434-446.

Indarti, S. (2021). The effects of education and training, management supervision on development of entrepreneurship attitude and growth of small and micro enterprise. International Journal of Organizational Analysis, 29(1), 16-34.

Juliani, P., Safitri, H., & Hariyanto, D. (2024). The influence of financial literacy, financial attitudes, and perceptions of ease of use on decisions to use qris in Singkawang City MSMEs. Journal Dimensie Management and Public Sector, 5(2), 18-28.

Manley, S. C., Hair Jr, J. F., Williams Jr, R. I., & McDowell, W. C. (2021). Essential new PLS-SEM analysis methods for your entrepreneurship analytical toolbox. International Entrepreneurship and Management Journal, 17(4), 1805-1825.

Pangarso, A., Sisilia, K., Setyorini, R., Peranginangin, Y., & Awirya, A. A. (2022). The long path to achieving green economy performance for micro small medium enterprise. Journal of Innovation and Entrepreneurship, 11(1), 1-19.

Purbowo, G., & Trinugroho, I. (2025). Overcoming barriers to digital payment: insights from qris adoption in rural West Sulawesi. Journal of Management and Entrepreneurship Research, 6(1), 31-46.

Puspitasari, A., & Salehudin, I. (2022). Quick response Indonesian standard (QRIS): Does government support contribute to cashless payment system long-term adoption?. Journal of Marketing Innovation (JMI), 1(2), 27-41.

Sedyowidodo, U. (2022). Entrepreneurial orientation and innovation in micro-enterprises east jakarta culinary sector. Journal of Entrepreneurship, Management and Industry (JEMI), 5(2), 125-146.

Sholikhah, T. H., & Soesilo, N. I. (2023). QRIS' impacts on turnover based on business scale and sectoral study on MSME. Indonesian Journal of Multidisciplinary Science, 2(11), 4032-4042.

Silaen, M. F., Manurung, S., & Nainggolan, C. D. (2021). Effect analysis of benefit perception, ease perception, security and risk perception of merchant interest in using quick response indonesia standard (QRIS). International Journal of Science, Technology & Management, 2(5), 1574-1581.

Sukriani, N., Febrina, D., & Dewi, D. S. (2023). Knowledge, abilities, skills and its impact on business performance of business actors in the culinary sector. International Journal of Islamic Business and Management Review, 3(1), 119-129.

Sulistyono, M., Hidayat, Y., & Syafari, M. R. (2022). Strategy for empowerment of micro, small and medium enterprises (MSMEs) food sector by the office of cooperatives, small/micro businesses and industry of balangan regency. International Journal Political, Law, and Social Science, 3(1), 12-25.

Zaidi, M. A. N. M., Sapuan, N. M., & Kusairi, S. (2022). The business survival of micro-enterprises in facing economic uncertainty. Journal of Governance and Integrity, 5(3), 328-335.

Zalukhu, S., & Sembiring, F. (2025). The effect of QRIS payment on consumer purchase decisions using technology acceptance model. Research Horizon, 5(4), 1359–1374.