PENGARUH EFISIENSI, KEAMANAN, DAN MINAT PENGGUNAAN QRIS TERHADAP INKLUSI KEUANGAN MAHASISWA UNIVERSITAS INSAN BUDI UTOMO

Abstract

This study aims to test and analyze the Efficiency, security and interest in using
QRIS towards financial inclusion of students at Insan Budi Utomo University. This
study is a descriptive quantitative study by distributing questionnaires through
Google forms as a method of data collection. The sample in this study was 100
respondents, namely students at Insan Budi Utomo University who transacted using
QRIS. The data analysis technique used SPSS ver 25. The results of the study
showed an R-Square (R ^ 2) value of 0.551, which means that all independent
variables in this study, namely efficiency, security and interest in using QRIS, have
a joint contribution, namely 55.1% in the variables efficiency (X1), security (X2),
interest in use (X3) and financial inclusion (Y), while the remaining 44.9% is
influenced by other exogenous variables not used in this study. Hypothesis testing
shows that the efficiency of the QRIS non-cash payment system has a positive and
significant effect on student financial inclusion, security has no effect on financial
inclusion with a sig value of 0.110> 0.05, Interest in using QRIS has a positive and
significant effect on student financial inclusion, Efficiency, security and interest have
a simultaneous effect on student financial inclusion with a calculated f value of
41.490 with a smaller F table value of 2.698 (41, 490> 2.698) with a significance
level of 0.000 <0.05 meaning Ho is rejected and Ha is accepted.