{"id":"https://openalex.org/W7225459556","doi":"https://doi.org/10.62710/jnn0ak42","title":"Peran Inklusi Keuangan dan Pembayaran Digital (QRIS) terhadap Kinerja Keuangan UMKM","display_name":"Peran Inklusi Keuangan dan Pembayaran Digital (QRIS) terhadap Kinerja Keuangan UMKM","publication_year":2026,"publication_date":"2026-11-07","ids":{"openalex":"https://openalex.org/W7225459556","doi":"https://doi.org/10.62710/jnn0ak42"},"language":"en","primary_location":{"id":"doi:10.62710/jnn0ak42","doi":"https://doi.org/10.62710/jnn0ak42","is_oa":true,"landing_page_url":"https://doi.org/10.62710/jnn0ak42","pdf_url":"https://teewanjournal.com/index.php/peng/article/download/5139/3625","source":{"id":"https://openalex.org/S5407052745","display_name":"PENG Jurnal Ekonomi dan Manajemen","issn_l":"3048-3573","issn":["3048-3573","3063-4989"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc-sa","license_id":"https://openalex.org/licenses/cc-by-nc-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"PENG: Jurnal Ekonomi dan Manajemen","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://teewanjournal.com/index.php/peng/article/download/5139/3625","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5002024149","display_name":"PA Andiena Nindya Putri","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4388891760","display_name":"Institut Teknologi Dan Bisnis STIKOM Bali","ror":"https://ror.org/01wn4rj56","country_code":"ID","type":"education","lineage":["https://openalex.org/I4388891760"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"PA Andiena Nindya Putri","raw_affiliation_strings":["ITB STIKOM Bali"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"ITB STIKOM Bali","institution_ids":["https://openalex.org/I4388891760"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5078302369","display_name":"Irdawati Irdawati","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4387154368","display_name":"Sekolah Tinggi Ilmu Ekonomi Mulia Pratama","ror":"https://ror.org/02rae8q23","country_code":"ID","type":"education","lineage":["https://openalex.org/I4387154368"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Irdawati Irdawati","raw_affiliation_strings":["STIE Mulia Pratama"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"STIE Mulia Pratama","institution_ids":["https://openalex.org/I4387154368"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5080665648","display_name":"Irwan Moridu","orcid":"https://orcid.org/0000-0001-7027-286X","observed_orcids":["https://orcid.org/0000-0001-7027-286X"]},"institutions":[{"id":"https://openalex.org/I4210086301","display_name":"Universitas Muhammadiyah Luwuk Banggai","ror":"https://ror.org/001gw2c60","country_code":"ID","type":"education","lineage":["https://openalex.org/I4210086301"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Irwan Moridu","raw_affiliation_strings":["Universitas Muhammadiyah Luwuk"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Muhammadiyah Luwuk","institution_ids":["https://openalex.org/I4210086301"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":3,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"3","issue":"4","first_page":"3433","last_page":"3442"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.4683000147342682,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.4683000147342682,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.45509999990463257,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13053","display_name":"SMEs Development and Digital Marketing","score":0.04769999906420708,"subfield":{"id":"https://openalex.org/subfields/1403","display_name":"Business and International Management"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"financial inclusion","score":0.996999979019165},{"id":"https://openalex.org/keywords/electronic-payments","display_name":"digital payments","score":0.9160000085830688},{"id":"https://openalex.org/keywords/qris","display_name":"QRIS","score":0.9850000143051147},{"id":"https://openalex.org/keywords/micro-small-and-medium-enterprises","display_name":"micro, small and medium enterprises","score":0.8550000190734863},{"id":"https://openalex.org/keywords/msme-financial-performance","display_name":"MSME financial performance","score":0.9919999837875366},{"id":"https://openalex.org/keywords/transaction-costs","display_name":"transaction costs","score":0.8100000023841858},{"id":"https://openalex.org/keywords/access-to-finance","display_name":"access to finance","score":0.9549999833106995},{"id":"https://openalex.org/keywords/financial-literacy","display_name":"financial literacy","score":0.9359999895095825},{"id":"https://openalex.org/keywords/digital-literacy","display_name":"digital literacy","score":0.8960000276565552},{"id":"https://openalex.org/keywords/transaction-data","display_name":"transaction data","score":0.6930000185966492}],"concepts":[{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.9057000279426575},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6725999712944031},{"id":"https://openalex.org/C2777941463","wikidata":"https://www.wikidata.org/wiki/Q1416374","display_name":"Financial literacy","level":2,"score":0.6198999881744385},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.597100019454956},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.5582000017166138},{"id":"https://openalex.org/C2779601481","wikidata":"https://www.wikidata.org/wiki/Q650241","display_name":"Financial institution","level":2,"score":0.4925000071525574},{"id":"https://openalex.org/C160949748","wikidata":"https://www.wikidata.org/wiki/Q1365703","display_name":"Mobile payment","level":3,"score":0.491100013256073},{"id":"https://openalex.org/C75949130","wikidata":"https://www.wikidata.org/wiki/Q848010","display_name":"Database transaction","level":2,"score":0.47679999470710754},{"id":"https://openalex.org/C164516710","wikidata":"https://www.wikidata.org/wiki/Q1166072","display_name":"Financial transaction","level":3,"score":0.46160000562667847},{"id":"https://openalex.org/C540431452","wikidata":"https://www.wikidata.org/wiki/Q16319025","display_name":"FinTech","level":3,"score":0.43939998745918274},{"id":"https://openalex.org/C202451310","wikidata":"https://www.wikidata.org/wiki/Q328554","display_name":"Accounts receivable","level":2,"score":0.4366999864578247},{"id":"https://openalex.org/C2780378061","wikidata":"https://www.wikidata.org/wiki/Q25351891","display_name":"Service (business)","level":2,"score":0.40939998626708984},{"id":"https://openalex.org/C185822510","wikidata":"https://www.wikidata.org/wiki/Q1956140","display_name":"Payment service provider","level":3,"score":0.40619999170303345},{"id":"https://openalex.org/C109359841","wikidata":"https://www.wikidata.org/wiki/Q728944","display_name":"Inclusion (mineral)","level":2,"score":0.40389999747276306},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.3828999996185303},{"id":"https://openalex.org/C2777264242","wikidata":"https://www.wikidata.org/wiki/Q959950","display_name":"XBRL","level":2,"score":0.37709999084472656},{"id":"https://openalex.org/C130731218","wikidata":"https://www.wikidata.org/wiki/Q1363554","display_name":"Financial analysis","level":2,"score":0.36239999532699585},{"id":"https://openalex.org/C2993791488","wikidata":"https://www.wikidata.org/wiki/Q676459","display_name":"Bank account","level":3,"score":0.3407999873161316},{"id":"https://openalex.org/C162446236","wikidata":"https://www.wikidata.org/wiki/Q653137","display_name":"Content analysis","level":2,"score":0.3382999897003174},{"id":"https://openalex.org/C74196892","wikidata":"https://www.wikidata.org/wiki/Q7781188","display_name":"Thematic analysis","level":3,"score":0.31940001249313354},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.3174000084400177},{"id":"https://openalex.org/C121017731","wikidata":"https://www.wikidata.org/wiki/Q11661","display_name":"Information technology","level":2,"score":0.30889999866485596},{"id":"https://openalex.org/C103565092","wikidata":"https://www.wikidata.org/wiki/Q159421","display_name":"Savings account","level":2,"score":0.30219998955726624},{"id":"https://openalex.org/C71199308","wikidata":"https://www.wikidata.org/wiki/Q2990807","display_name":"Accounting management","level":3,"score":0.29919999837875366},{"id":"https://openalex.org/C190248442","wikidata":"https://www.wikidata.org/wiki/Q839486","display_name":"Qualitative research","level":2,"score":0.2978000044822693},{"id":"https://openalex.org/C140781008","wikidata":"https://www.wikidata.org/wiki/Q1221081","display_name":"Service quality","level":3,"score":0.29280000925064087},{"id":"https://openalex.org/C98014903","wikidata":"https://www.wikidata.org/wiki/Q832161","display_name":"Financial ratio","level":2,"score":0.28700000047683716},{"id":"https://openalex.org/C2777267654","wikidata":"https://www.wikidata.org/wiki/Q3519023","display_name":"Test (biology)","level":2,"score":0.2736999988555908},{"id":"https://openalex.org/C178550888","wikidata":"https://www.wikidata.org/wiki/Q2043282","display_name":"Business administration","level":1,"score":0.2721000015735626},{"id":"https://openalex.org/C48879800","wikidata":"https://www.wikidata.org/wiki/Q622439","display_name":"Small and medium-sized enterprises","level":2,"score":0.2603999972343445},{"id":"https://openalex.org/C2777646416","wikidata":"https://www.wikidata.org/wiki/Q242069","display_name":"Digital literacy","level":2,"score":0.2549000084400177},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.2535000145435333},{"id":"https://openalex.org/C547764534","wikidata":"https://www.wikidata.org/wiki/Q8236","display_name":"Literacy","level":2,"score":0.2526000142097473},{"id":"https://openalex.org/C19244329","wikidata":"https://www.wikidata.org/wiki/Q208697","display_name":"Financial market","level":2,"score":0.25040000677108765}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.62710/jnn0ak42","doi":"https://doi.org/10.62710/jnn0ak42","is_oa":true,"landing_page_url":"https://doi.org/10.62710/jnn0ak42","pdf_url":"https://teewanjournal.com/index.php/peng/article/download/5139/3625","source":{"id":"https://openalex.org/S5407052745","display_name":"PENG Jurnal Ekonomi dan Manajemen","issn_l":"3048-3573","issn":["3048-3573","3063-4989"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc-sa","license_id":"https://openalex.org/licenses/cc-by-nc-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"PENG: Jurnal Ekonomi dan Manajemen","raw_type":"journal-article"},{"id":"pmh:oai:ojs2.teewanjournal.com:article/5139","doi":null,"is_oa":true,"landing_page_url":"https://teewanjournal.com/index.php/peng/article/view/5139","pdf_url":null,"source":{"id":"https://openalex.org/S5407052745","display_name":"PENG Jurnal Ekonomi dan Manajemen","issn_l":"3048-3573","issn":["3048-3573","3063-4989"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc-sa","license_id":"https://openalex.org/licenses/cc-by-nc-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"10.62710/d2en8x34","raw_type":"info:eu-repo/semantics/article"}],"best_oa_location":{"id":"doi:10.62710/jnn0ak42","doi":"https://doi.org/10.62710/jnn0ak42","is_oa":true,"landing_page_url":"https://doi.org/10.62710/jnn0ak42","pdf_url":"https://teewanjournal.com/index.php/peng/article/download/5139/3625","source":{"id":"https://openalex.org/S5407052745","display_name":"PENG Jurnal Ekonomi dan Manajemen","issn_l":"3048-3573","issn":["3048-3573","3063-4989"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc-sa","license_id":"https://openalex.org/licenses/cc-by-nc-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"PENG: Jurnal Ekonomi dan Manajemen","raw_type":"journal-article"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/8","score":0.9211000204086304,"display_name":"Decent work and economic growth"},{"id":"https://metadata.un.org/sdg/9","score":0.5378999710083008,"display_name":"Industry, innovation and infrastructure"}],"study_designs":[{"id":"https://openalex.org/study-designs/systematic-review","display_name":"Systematic Review"}],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7225459556.pdf","grobid_xml":"https://content.openalex.org/works/W7225459556.grobid-xml"},"referenced_works_count":15,"referenced_works":["https://openalex.org/W2559928430","https://openalex.org/W2750168540","https://openalex.org/W2788597170","https://openalex.org/W2789152355","https://openalex.org/W2795321837","https://openalex.org/W2799331516","https://openalex.org/W2911554037","https://openalex.org/W2918067167","https://openalex.org/W2964523010","https://openalex.org/W3001812644","https://openalex.org/W3035423599","https://openalex.org/W3118615836","https://openalex.org/W3121287205","https://openalex.org/W3145338225","https://openalex.org/W4289321244"],"related_works":["https://openalex.org/W7225125448","https://openalex.org/W7162118524","https://openalex.org/W7213466010","https://openalex.org/W7220787221","https://openalex.org/W4409733247","https://openalex.org/W7125630470","https://openalex.org/W7166742459","https://openalex.org/W7220887258","https://openalex.org/W7222400963","https://openalex.org/W7117476206"],"abstract_inverted_index":{"Micro,":[0],"small,":[1],"and":[2,29,44,79,85,92,101,119,121,146,150,162],"medium":[3],"enterprises":[4],"(MSMEs)":[5],"play":[6],"a":[7],"major":[8],"role":[9,40],"in":[10,55],"Indonesia\u2019s":[11],"economy,":[12],"yet":[13],"their":[14],"financial":[15,24,27,42,57,99,110,149],"performance":[16,111,138],"is":[17,134,139,170],"still":[18],"constrained":[19],"by":[20,136,159],"limited":[21],"access":[22,123,155],"to":[23,37,124,172],"services,":[25],"low":[26],"literacy,":[28],"suboptimal":[30],"use":[31,164],"of":[32,41,143,165],"technology.":[33],"This":[34],"study":[35],"aims":[36],"analyze":[38],"the":[39,48,67,141],"inclusion":[43,100],"digital":[45,102,151],"payments":[46,103],"through":[47,112],"Quick":[49],"Response":[50],"Code":[51],"Indonesian":[52],"Standard":[53],"(QRIS)":[54],"MSME":[56,109],"performance.":[58],"A":[59],"qualitative":[60],"systematic":[61],"literature":[62],"review":[63],"was":[64],"conducted":[65],"following":[66],"PRISMA":[68],"2020":[69],"guidelines.":[70],"Secondary":[71],"data":[72],"were":[73],"collected":[74],"from":[75],"journal":[76],"articles,":[77],"books,":[78],"official":[80],"reports":[81],"published":[82],"between":[83],"2016":[84],"2026,":[86],"then":[87],"analyzed":[88],"using":[89,177],"content":[90],"analysis":[91],"thematic":[93],"synthesis.":[94],"The":[95],"findings":[96],"indicate":[97],"that":[98],"are":[104],"generally":[105],"positively":[106],"associated":[107],"with":[108],"lower":[113],"transaction":[114,166],"costs,":[115],"wider":[116],"market":[117],"reach":[118],"sales,":[120],"better":[122],"financing.":[125],"However,":[126],"evidence":[127],"on":[128],"QRIS":[129],"remains":[130],"inconsistent":[131],"because":[132],"it":[133],"shaped":[135],"how":[137],"measured,":[140],"extent":[142],"service":[144],"use,":[145],"business":[147],"owners\u2019":[148],"literacy.":[152],"Therefore,":[153],"expanding":[154],"should":[156],"be":[157],"accompanied":[158],"stronger":[160],"literacy":[161],"productive":[163],"data.":[167,179],"Future":[168],"research":[169],"encouraged":[171],"test":[173],"these":[174],"relationships":[175],"empirically":[176],"primary":[178]},"counts_by_year":[],"updated_date":"2026-11-10T11:39:43.021295","created_date":"2026-11-08T00:00:00"}
