Transformasi Digital UMKM: Dampak Penerapan QRIS dan Aktivitas Transaksi terhadap Produktivitas Usaha di Kota Ambon

  • Mohamad Ratmasa Serang Fakultas ekonomi dan Bisnis unpatti
  • Harvey Hiariey Fakultas ekonomi dan Bisnis unpatti
  • Saleh Tutupoho Fakultas ekonomi dan Bisnis unpatti
DOI: https://doi.org/10.51125/citaekonomika.v20i1.26434

Abstract

Penelitian ini bertujuan untuk menganalisis dampak transformasi digital melalui penerapan
Quick Response Code Indonesian Standard (QRIS) dan tingkat aktivitas transaksi terhadap
produktivitas Usaha Mikro, Kecil, dan Menengah (UMKM) di Kota Ambon. Di tengah status
Kota Ambon sebagai "Pemerintah Daerah Digital," evaluasi empiris terhadap profitabilitas
langsung pelaku usaha mikro di wilayah kepulauan masih terbatas. Penelitian ini menggunakan
pendekatan kuantitatif dengan menyebarkan kuesioner kepada 100 responden pelaku UMKM
pengguna QRIS di Kota Ambon. Metode analisis yang digunakan adalah Regresi Linier
Berganda melalui pendekatan Ordinary Least Squares (OLS). Hasil penelitian menunjukkan
bahwa secara parsial, penerapan QRIS ($X_1$) berpengaruh positif dan signifikan terhadap
produktivitas UMKM ($Y$) dengan koefisien regresi sebesar 0,252 (Prob. 0,0118). Aktivitas
transaksi ($X_2$) juga memiliki pengaruh positif dan signifikan yang kuat terhadap
produktivitas dengan koefisien 0,441 (Prob. 0,0000). Secara simultan, kedua variabel tersebut
berkontribusi sebesar 35,4% ($R^2 = 0,354$) terhadap variasi produktivitas UMKM di Kota
Ambon.

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Published
2026-05-29
How to Cite
Serang, M., Hiariey, H. and Tutupoho, S. (2026) “Transformasi Digital UMKM: Dampak Penerapan QRIS dan Aktivitas Transaksi terhadap Produktivitas Usaha di Kota Ambon”, Jurnal Cita Ekonomika, 20(1), pp. 68-81. doi: 10.51125/citaekonomika.v20i1.26434.
Issue
Vol 20 No 1 (2026): Vol 20 No 1 (2026): Cita Ekonomika: Jurnal Ilmu Ekonomi
Section
Articles

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