PENGARUH LITERASI KEUANGAN DAN LINGKUNGAN SOSIAL DIMODERASI TINGKAT PENDIDIKAN TERHADAP PENGGUNAAN QRIS PADA PELAKU UMKM DI KOTA SURAKARTA
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Abstract
Penelitian ini untuk mengetahui pengaruh literasi keuangan dan lingkungan sosial terhadap penggunaan QRIS pelaku UMKM di Kota Surakarta serta apakah perbedaan tingkat pendidikan dapat memoderatori literasi keuangan dan lingkungan sosial terhadap penggunaan QRIS atau tidak. Sampel penelitian sebanyak 135 pelaku UMKM Kota Surakarta yang diambil menggunakan teknik non-probability sampling dengan data dikumpulkan melalui angket berisi skala likert 1-5 poin. Uji validitas melalui Confirmatory Factor Analysis (CFA), uji reliabilitas menggunakan Cronbach Alpha (α) dan uji hipotesis melalui analisis regresi hirarki dan Moderated Regression Analysis (MRA) menggunakan software SPSS 25. Hasil penelitian membuktikan bahwa tingkat literasi keuangan dan pengaruh lingkungan sosial berdampak pada penggunaan QRIS pelaku UMKM Kota Surakarta. Penelitian ini juga menunjukkan bahwa perbedaan tingkat pendidikan pelaku UMKM tidak dapat memperkuat atau memperlemah (tidak memoderatori) pengaruh tingkat literasi keuangan dan lingkungan sosial terhadap penggunaan QRIS.
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