Analisis Faktor Rendahnya Penggunaan Cashless Oleh Pedagang Di Lingkungan Pasar Aurduri
Keywords:
Cashless, Traditional Market Traders, PCA, Digital Payments
Abstract
This study aims to identify the factors influencing the low adoption of cashless payment systems among merchants at Aurduri Market. A quantitative approach utilizing Principal Component Analysis (PCA) was employed. Data were collected from 95 active merchants via questionnaires. The results reveal three primary factors contributing to the low usage of cashless payment systems: perceptions of cashless-related constraints, digital financial literacy, and digital infrastructure barriers. Collectively, these three factors explain 52.913% of the data variance. The findings are expected to serve as a basis for considering strategies to increase the adoption of cashless payment systems in traditional markets.
References
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Hoang, H., & Le, T. T. (2020). The Role Of Promotion In Mobile Wallet Adoption – A Research In Vietnam. 5(6), 290–298.
Kusnindar, A. A., Pratiwi, D., & Yuniarsih, T. (2022). Optimalisasi Digital Bagi Pedagang Pasar Tradisional. 04(01), 1–9.
Mutmainah, K., & Maulidi, R. (2025). Faktor-Faktor Yang Mempengaruhi Minat Pengguna Sistem Informasi Akuntansi Berbasis Dompet Digital ( Studi Empiris Pada Mahasiswa Akuntansi Universitas Sains Al- Qur ’ An ). 08, 13–33.
Primadineska, R. W., & Jannah, S. M. (2021). Perceived Security And Trust In Electronic Payment Systems: How They Affect The Decision To Use Eps During The Covid-19 Pandemic. Jurnal Manajemen Bisnis, 12(2). Https://Doi.Org/10.18196/Mb.V12i2.11456
Rosanty, F., Sananingrum, R. I., Rohmatika, F., Budiarto, A., & Pratiwi, R. (2024). Dampak Biaya Transaksi Fintech Payment Terhadap Pendapatan Umkm (Studi Empiris Pelaku Umkm Bidang Kuliner Di Kota Semarang). Jurnal Manajemen Bisnis, 19, 97–104.
Waliyuddin, M. A. (2023). The Effect Of Financial Literacy And Digital Literacy Toward Usage Of Qris Payment. January.
Wedhana, I. B. G. A., & Mahyuni, L. P. (2023). Consumer Perceptions Of Benefits And Barriers Of Qris In Coffee Shop Businesses. 14(2), 91–102.
Winata, V., & Arma, O. (2025). Analyzing The Effect Of E-Wallet Usability On Customer Retention In Mobile Payment Apps. Jurnal Bisnis Digital, 1(2), 1–20.
Zalzabila, N. (2025). Pengaruh Pemanfaatan Quick Response Code Indonesian Standard ( Qris ) Di Era Ekonomi Digital Terhadap Pelaporan Keuangan Umkm Pembayaran . Menanggapi Hal Ini , Bank Indonesia Meluncurkan Qris ( Quick Response Code Kehidupan , Termasuk Dalam Sektor Ekonomi Dan Keuangan . Salah Satu Inovasi Yang Muncul Qris Merupakan Standarisasi Qr Code Yang Dikembangkan Oleh Bank Indonesia Dan Asosiasi. 32(November).
Published
2026-10-06
How to Cite
Septiana Manurung, H., Arif Liputo, M., & Yaldi, D. (2026). Analisis Faktor Rendahnya Penggunaan Cashless Oleh Pedagang Di Lingkungan Pasar Aurduri. JOURNAL OF SHARIA ECONOMICS, 6(1), 234-251. https://doi.org/10.35896/jse.v6i1.1445
Section
Articles
