The Utilization of E-Commerce and QRIS as Digital Payment Tools to Improve Sales Performance through Competitive Advantage in MSME
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Published
13 August 2022
Keywords:
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competitive advantage, e-commerce, MSMEs, QRIS, sales performance
Abstract
The national contribution of MSMEs in supporting economic growth did not only occur during the 1998 monetary crisis but also during the COVID-19 pandemic in Indonesia. The pandemic also impacts economic activity, which causes every business actor to be able to create a competitive advantage in his business. In 2020 the President of Indonesia assigned his cabinet to prioritize the potential of the digital economy to drive economic growth. With competitive digitalization, MSMEs utilize information technology through e-commerce and support Bank Indonesia in accelerating the digitization of the payment system as the implementation of the Indonesian Payment System Blueprint (BSPI) 2025 through the Quick Response Code Indonesia Standard (QRIS). This study aims to determine whether using e-commerce and QRIS as digital payment tools can affect or improve the sales performance of MSMEs in Belitung through competitive advantage. This research used quantitative with a survey approach of 150 respondents. The study's results partially show that e-commerce and QRIS positively and significantly affect sales performance and competitive advantage. The results of the study simultaneously showed that the F-value was greater than F-table (52.220 > 3.02), and the probability was significant (p< 0.05). The simultaneous usage of e-commerce and QRIS significantly affects the sales performance of MSMEs in Belitung through competitive advantage.
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Supardi, M. L., & Ie, M. (2019). The effect of self-directed learning and e-commerce adoption on the performance of SMEs in Jakarta (Pengaruh self directed learning dan adopsi e-commerce terhadap kinerja UKM di Jakarta). Jurnal Manajerial Dan Kewirausahaan, 1(2), 290–296.
Susilowati, L. (2008). Growing MLM performance through sales promotion and smart-working orientation (Menumbuhkan kinerja MLM melalui promosi penjualan dan orientasi smart-working). Jurnal Riset Ekonomi dan Bisnis, 8(1), 1–9.
Syafarudin, D., & Aulia, I. (2021). The application of e-commerce and its influence on competitive advantage case study on the crown of Java Coffee Garut (Penerapan e-commerce dan pengaruhnya terhadap keunggulan bersaing studi kasus pada mahkota Java Coffee Garut). Jurnal Pengembangan Manajemen, Bisnis, Keuangan dan Perbankan, 18(1), 12–24.
Varadarajan, R., & Yadav, M. S. (2002). Marketing Strategy and the Internet : An Organizing Framework. Journal of the Academy of Marketing Science, 30(4), 296–312. doi: https://doi.org/10.1177/009207002236907
Wahyuni, S., Widodo, J., Zulianto, M., & Islami, N. N. (2020). The analysis of e-commerce utilization in Micro, Small, and Medium Enterprises (MSMEs) at Jember. IOP Conference Series Earth and Environmental Science, 485(1), 012037. doi: https://doi.org/10.1088/1755-1315/485/1/012037
Widiarta, P. G. K., Mahardika, I. P. D., Nugraha, N. A. S., Tintara, I. D. G. W., & Yasa, N. K. (2020). The role of product innovation mediates the orientation of technology towards competitive advantage (Peran inovasi produk memediasi orientasi teknologi terhadap keunggulan bersaing). E-Jurnal Ekonomi dan Bisnis Universitas Udayana, 9(2), 199–226.
Yadnya, I. P., & Santika, I. W. (2017). Influence of innovation, e-commerce adoption, and competitive advantage (Pengaruh inovasi, adopsi e-commerce, dan keunggulan kompetitif). Forum Keuangan dan Bisnis Indonesia (FKBI) When Fintech Meets Acounting: Oportunity and Risk, 6, 347–358.
Yulimar, V. A. (2008). Analysis of factors influencing the adoption of electronic commerce and their effect on company performance (study on small and medium-sized companies in Indonesia) (Analisis faktorfaktor yang mempegaruhi pengadopsian electronic commerce dan pengaruhnya terhadap kinerja perusahaan (studi pada perusahaan kecil dan menengah di Indonesia)). In Seminar Nasional Aplikasi Sains dan Teknologi 2008.118–128.
Artana, I.N.J., Suardhika, I.N., & Hendrawan, I.G.Y. (2021). The application of e-commerce, service quality and product quality in determining customer retention at pizza hut delivery in the Denpasar City area (Penerapan e–commerce, kualitas pelayanan dan kualitas produk dalam menentukan customer retention di pizza hut delivery pada kawasan Kota Denpasar). Jurnal EMAS, 2(2), 119-134.
Dalimunthe, M.B. (2017). Competitive advantage through market orientation and product innovation (Keunggulan bersaing melalui orientasi pasar dan inovasi produk). Jurnal Konsep Bisnis dan Manajemen, 3(1), 18–31. doi: https://doi.org/10.31289/jkbm.v3i2.357
Ernawati, W. (2021). Optimization of digital-based MSME e-commerce : challenges and opportunities in the new normal era of the COVID-19 pandemic. Social Science Journal for Advanced Research, 1(3), 1–9. doi: https://doi.org/10.54741/ssjar.1.3.1
Fatmariani. (2011). The effect of the adoption of open source e-commerce information technology on the performance of SMEs with the Technology Acceptance Model (TAM) factors as a moderating variable (Pengaruh adopsi teknologi informasi open source e-commerce terhadap kinerja ukm dengan faktor-faktor Technology Acceptance Model (TAM) sebagai moderating variable). Jurnal Teknologi dan Informatika (TEKNOMATIKA), 1(1), 70–83.
Hendrawan, A., Suchayowati, H., Cahyandi, K., Indriyani, & Rayendra, A. (2019). The influence of digital marketing on the sales performance of Asti Gauri's MSME products in Bantarsari District, Cilacap (Pengaruh marketing digital terhadap kinerja penjualan produk UMKM Asti Gauri di Kecamatan Bantarsari Cilacap). Jurnal Administrasi dan Kesekertarisan, 4(1), 50-61. doi: http://dx.doi.org/10.36914/jak.v4i1.189
Li, S., Ragu-Nathan, B., Ragu-Nathan, T.S., & Rao, S.S. (2006). The impact of supply chain management practices on competitive advantage and organizational performance. The International Journal of Management Science, 34(2), 107-124. doi: https://doi.org/10.1016/j.omega.2004.08.002
Noerlina, N., & Hiererra, S.E. (2013). Assessment of the utilization of E-Business Technology in the MSME Industry (Penilaian pemanfaatan teknologi E-Business pada Industri UMKM). ComTech: Computer, Mathematics and Engineering Applications, 4(2), 1216. doi: https://doi.org/10.21512/comtech.v4i2.2603
Nurtiah. (2016). Pengaruh orientasi pasar dan manajemen pengetahuan terhadap kinerja pemasaran (Effect of market orientation and knowledge management on marketing performance). Esensi: Jurnal Bisnis dan Manajemen, 6(2), 213–226. doi: https://doi.org/10.15408/ess.v6i2.3775
Pancawati, N. (2020). Study on Strategic Policy New Normal COVID-19: Economic Recovery for MSMEs. In Jayapangus Press Books
Petzer, D. J., & Steyn, T. F. J. (2008). Competitive marketing strategies of selected hotels : an exploratory study. Southern African Business Review, 12(2), 1–22.
Pradiani, T. (2017). the influence of the digital marketing marketing system on increasing the sales volume of home industry sales (Pengaruh sistem pemasaran digital marketing terhadap peningkatan volume penjualan penjualan hasil industri rumahan). JIBEKA, 11(2), 46–53. doi: https://doi.org/10.32812/jibeka.v11i2.45
Rahmat, I. G. D. (2020). Testing the tourism village strategy in building competitive advantage in the 4.0 Industrial Revolution Era (Menguji Strategi desa wisata dalam membangun keunggulan bersaing di era revolusi industri 4.0). Jurnal Ilmiah Manajemen Bisnis Dan Inovasi Universitas SAM Ratulangi, 7(3), 628–639. doi: https://doi.org/10.35794/jmbi.v7i3.31674
Rahmidani, R. (2015). Usage of E-commerce in business as a source of company competitive advantage (Penggunaan e-commerce dalam bisnis sebagai sumber keunggulan bersaing perusahaan). Seminar Nasional Ekonomi Manajemen Dan Akuntansi (SNEMA) Fakultas Ekonomi Universitas Negeri Padang.
Saputri, A. A., & Triyono. (2018). Srategi : trend mode fashion, kemenarikan promosi dan orientasi kepuasan konsumen terhadap kinerja penjualan (studi pada Butik Felucy Wilayah Fatmawati Semarang). Jurnal UNIMUS, 44–58. doi: https://doi.org/10.26714/vameb.v14i1.4638
Saputri, O. B. (2020). Consumer preferences in using the Indonesian Standard Quick Response Code (QRIS) as a digital payment tool (Preferensi konsumen dalam menggunakan quick response code indonesia standard (QRIS) sebagai alat pembayaran digital). Jurnal FEB UNMUL, 17(2), 237–247.
Supardi, M. L., & Ie, M. (2019). The effect of self-directed learning and e-commerce adoption on the performance of SMEs in Jakarta (Pengaruh self directed learning dan adopsi e-commerce terhadap kinerja UKM di Jakarta). Jurnal Manajerial Dan Kewirausahaan, 1(2), 290–296.
Susilowati, L. (2008). Growing MLM performance through sales promotion and smart-working orientation (Menumbuhkan kinerja MLM melalui promosi penjualan dan orientasi smart-working). Jurnal Riset Ekonomi dan Bisnis, 8(1), 1–9.
Syafarudin, D., & Aulia, I. (2021). The application of e-commerce and its influence on competitive advantage case study on the crown of Java Coffee Garut (Penerapan e-commerce dan pengaruhnya terhadap keunggulan bersaing studi kasus pada mahkota Java Coffee Garut). Jurnal Pengembangan Manajemen, Bisnis, Keuangan dan Perbankan, 18(1), 12–24.
Varadarajan, R., & Yadav, M. S. (2002). Marketing Strategy and the Internet : An Organizing Framework. Journal of the Academy of Marketing Science, 30(4), 296–312. doi: https://doi.org/10.1177/009207002236907
Wahyuni, S., Widodo, J., Zulianto, M., & Islami, N. N. (2020). The analysis of e-commerce utilization in Micro, Small, and Medium Enterprises (MSMEs) at Jember. IOP Conference Series Earth and Environmental Science, 485(1), 012037. doi: https://doi.org/10.1088/1755-1315/485/1/012037
Widiarta, P. G. K., Mahardika, I. P. D., Nugraha, N. A. S., Tintara, I. D. G. W., & Yasa, N. K. (2020). The role of product innovation mediates the orientation of technology towards competitive advantage (Peran inovasi produk memediasi orientasi teknologi terhadap keunggulan bersaing). E-Jurnal Ekonomi dan Bisnis Universitas Udayana, 9(2), 199–226.
Yadnya, I. P., & Santika, I. W. (2017). Influence of innovation, e-commerce adoption, and competitive advantage (Pengaruh inovasi, adopsi e-commerce, dan keunggulan kompetitif). Forum Keuangan dan Bisnis Indonesia (FKBI) When Fintech Meets Acounting: Oportunity and Risk, 6, 347–358.
Yulimar, V. A. (2008). Analysis of factors influencing the adoption of electronic commerce and their effect on company performance (study on small and medium-sized companies in Indonesia) (Analisis faktorfaktor yang mempegaruhi pengadopsian electronic commerce dan pengaruhnya terhadap kinerja perusahaan (studi pada perusahaan kecil dan menengah di Indonesia)). In Seminar Nasional Aplikasi Sains dan Teknologi 2008.118–128.
Authors
Wahyudin N., Herlissha N., Christianingrum C., & Aldiesi D. R. (2022). The Utilization of E-Commerce and QRIS as Digital Payment Tools to Improve Sales Performance through Competitive Advantage in MSME. Journal of Consumer Sciences, 7(2), 135-148. https://doi.org/10.29244/jcs.7.2.135-148
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