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The Moderating Role of QRIS on the Effect of Price and Promotion toward UNNES Students’ Purchasing Decisions for MSME Products

Journal of Economic Education · Vol. 14 No. 1 (2025) · hlm. 61–69

DOI
10.15294/jeec.v14i1.24221
ISSN
2301-7341
Terbit
2025-07-02
Penerbit
Universitas Negeri Semarang
Bahasa
eng

Abstrak

This research is motivated by the innovation implemented by most MSMEs in the UNNES area in the non-cash payment system in the form of QRIS. This study aims to analyze the effect of the QRIS system in moderating prices and promotions on UNNES students' purchasing decisions. The method used in this study is moderation regression analysis (MRA), which is analyzed using SPSS, and data collection using questionnaire techniques. The research sample is students who used MSME goods and services around the campus. The findings of this study indicate that price and promotion remain key factors influencing students' purchasing decisions. In contrast, using QRIS does not moderate the relationship between these variables and purchasing behavior. This outcome suggests that students prioritize price and promotional offers over payment. Furthermore, students perceive that using QRIS may encourage increased spending, which is problematic given their typically limited financial resources. As a result, QRIS is often regarded as a secondary payment option, used only after cash, due to concerns about its potential to reduce spending control.

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  • Institut Agama Islam Negeri Kendari
  • Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan
  • Hasanuddin University
  • State University of Semarang
  • Sunan Gunung Djati State Islamic University Bandung
  • Afiliasi tidak diketahui
  • Organisasi berbeda
  • Organisasi sama
  • Afiliasi tidak diketahui
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Rekan penulisOrganisasiArtikel bersama
Suyatno SuyatnoAfiliasi tidak diketahui3
Suhendra SuhendraAfiliasi tidak diketahui2
Didi SuryadiAfiliasi tidak diketahui2
Muhammad Adib AlfarisiAfiliasi tidak diketahui2
Nuruzzaman MSAfiliasi tidak diketahui2
Rois FatoniAfiliasi tidak diketahui2
Sri Achadi NugraheniAfiliasi tidak diketahui2
Martha Irene KartasuryaAfiliasi tidak diketahui2
Umi MahmudahUniversitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan2
Hafied CangaraHasanuddin University1
Arum SiwiendrayantiState University of Semarang1
Rini MarwatiAfiliasi tidak diketahui1
Alvina HardiyantiAfiliasi tidak diketahui1
Sunarto .Afiliasi tidak diketahui1
Nugraheni ArumsariAfiliasi tidak diketahui1
Aisyah Nur Sayidatun NisaAfiliasi tidak diketahui1
Sawitri Indah LestariAfiliasi tidak diketahui1
Arief WahyudiantoAfiliasi tidak diketahui1
Cahyo YuwonoAfiliasi tidak diketahui1
Dwi WarliAfiliasi tidak diketahui1
Agung WicaksonoAfiliasi tidak diketahui1
Indah SuciatiAfiliasi tidak diketahui1
Arsyil WaritsmanAfiliasi tidak diketahui1
Hamdan SugilarSunan Gunung Djati State Islamic University Bandung1
Jarnawi Afgani DahlanAfiliasi tidak diketahui1
Kusnandi KusnandiAfiliasi tidak diketahui1
Nina OktarinaAfiliasi tidak diketahui1
Rusdarti RusdartiAfiliasi tidak diketahui1
Martha Catherine BeckAfiliasi tidak diketahui1
Hüseyin Emin SertAfiliasi tidak diketahui1
Nurdian SusilowatiAfiliasi tidak diketahui1
Lesa ParantiAfiliasi tidak diketahui1
Susanti SusantiInstitut Agama Islam Negeri Kendari1
Kompri KompriAfiliasi tidak diketahui1
Wulan Anna PertiwiAfiliasi tidak diketahui1
Tri Kurniati SAfiliasi tidak diketahui1
Tria Rahma IsnainiAfiliasi tidak diketahui1
Yunila SukmaAfiliasi tidak diketahui1

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/jeec/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">The Moderating Role of QRIS on the Effect of Price and Promotion toward UNNES Students’ Purchasing Decisions for MSME Products</dc:title>
	<dc:creator xml:lang="en">Fatimah, Siti</dc:creator>
	<dc:creator xml:lang="en">Moh. Eko Saputro</dc:creator>
	<dc:description xml:lang="en">This research is motivated by the innovation implemented by most MSMEs in the UNNES area in the non-cash payment system in the form of QRIS. This study aims to analyze the effect of the QRIS system in moderating prices and promotions on UNNES students' purchasing decisions. The method used in this study is moderation regression analysis (MRA), which is analyzed using SPSS, and data collection using questionnaire techniques. The research sample is students who used MSME goods and services around the campus. The findings of this study indicate that price and promotion remain key factors influencing students' purchasing decisions. In contrast, using QRIS does not moderate the relationship between these variables and purchasing behavior. This outcome suggests that students prioritize price and promotional offers over payment. Furthermore, students perceive that using QRIS may encourage increased spending, which is problematic given their typically limited financial resources. As a result, QRIS is often regarded as a secondary payment option, used only after cash, due to concerns about its potential to reduce spending control.</dc:description>
	<dc:publisher xml:lang="en">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2025-07-02</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/journals/jeec/article/view/24221</dc:identifier>
	<dc:identifier>10.15294/jeec.v14i1.24221</dc:identifier>
	<dc:source xml:lang="en">Journal of Economic Education; Vol. 14 No. 1 (2025): June 2025; 61 - 69</dc:source>
	<dc:source>2301-7341</dc:source>
	<dc:source>10.15294/jeec.v14i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/jeec/article/view/24221/4598</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Journal of Economic Education</dc:rights>
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