INVESTIGASI NIAT PENGGUNAAN FINANCIAL TECHNOLOGY PAYMENT BAGI USAHA MIKRO KECIL MENENGAH

2021 ◽  
Vol 19 (1) ◽  
pp. 35
Author(s):  
Anissa Hakim Purwantini ◽  
Reza Dea Amalia
Keyword(s):  
Risk Perception ◽  
Small And Medium Enterprises ◽  
Sampling Technique ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Digital Money ◽  
Convenience Sampling ◽  
Medium Enterprises ◽  
Financial Technology

ABSTRACTThe current adoption of financial technology (fintech) payment by Micro, Small and Medium Enterprises (MSMEs) is motivated by the trend of using digital money. The purpose of this study is to test and analyze empirically the factors that influence the intention of SMEs to use fintech payments. This study uses a quantitative method by distributing surveys to 94 MSMEs in the Magelang using convenience sampling technique. The test results with SEM-PLS show that the perceived usefulness and the perception of trust have an effect on attitudes. Risk perception and trust affect the intention to use fintech payment. Meanwhile, for ease of use, perception and risk perception have no effect on attitudes and perceived usefulness. Attitudes have no effect on intentions to use fintech payment. Based on the calculation of the path value, the most powerful factor to influence the intention to use fintech payment is the perception of trust.Keywords: fintech payment, TAM, MSMEABSTRAKAdopsi terkini mengenai pembayaran melalui financial technology (fintech) oleh Usaha Mikro, Kecil dan Menengah (UMKM) dilatarbelakangi oleh tren penggunaan uang digital. Tujuan dari penelitian ini adalah untuk menguji dan menganalisis secara empiris faktor-faktor yang mempengaruhi niat UMKM untuk menggunakan pembayaran fintech. Penelitian ini menggunakan metode kuantitatif dengan menyebarkan survei kepada 94 UMKM di Magelang dengan menggunakan teknik convenience sampling. Hasil pengujian dengan SEM-PLS menunjukkan bahwa persepsi manfaat dan persepsi kepercayaan berpengaruh terhadap sikap. Persepsi risiko dan kepercayaan mempengaruhi niat untuk menggunakan pembayaran fintech. Sedangkan untuk kemudahan penggunaan, persepsi dan persepsi risiko tidak berpengaruh terhadap sikap dan manfaat yang dirasakan. Sikap tidak berpengaruh terhadap niat menggunakan fintech payment. Berdasarkan perhitungan path value, faktor yang paling kuat mempengaruhi niat menggunakan fintech payment adalah persepsi kepercayaan.Kata kunci: fintech payment, TAM, UMKM

scholarly journals Consumer Intention to Use Smartphone for Mobile Shopping

2017 ◽  
pp. 221-233 ◽  
Author(s):  
Chong Ren Lee ◽  
Kah Yan Tam ◽  
Jee Yan Lim ◽  
Pei Ying Seow ◽  
Vivian Pooi Sun Lee ◽  
...  
Keyword(s):  
Sampling Technique ◽  
Ease Of Use ◽  
Higher Learning ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Mobile Shopping ◽  
Online Retailers ◽  
Convenience Sampling ◽  
Perceived Enjoyment

The purpose of this study is to identify the determinants to use the mobile phone to make purchases. The study involved a total of 210 respondents approached in a public higher learning institution in Federal Territory of Labuan, Malaysia. This study applies convenience sampling technique to ensure researcher to monitor the participation of the sample. They were chosen to identify the intention to use smartphones for mobile shopping among young adults. The concept of using smartphones for mobile shopping was explained to the respondents to ensure full understanding in order to obtain best result. Multiple regression analysis asserted that Perceived Usefulness (PU), Perceived Enjoyment (PE), Perceived Ease of Use (PEOU), and Satisfaction (SAT) influence the Intention to use (INT). The results could help online retailers in improving their marketing platform and to understand more of their customers' needs and wants.

Continuance Usage of Mobile Banking Services Among Small and Medium Enterprises (SMEs) in Tanzania

2021 ◽  
pp. 619-636
Author(s):  
Herman E. Mandari ◽  
Daniel Ntabagi Koloseni ◽  
Julius Macha
Keyword(s):  
Service Providers ◽  
Small And Medium Enterprises ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Banking Services ◽  
Perceived Trust ◽  
Continuance Usage ◽  
Medium Enterprises ◽  
Intention To Continue

The study examines the intention to continue using mobile banking services among SMEs in Tanzania. The study extended the ECS-IS model by adding three variables: ease-of-use, perceived trust, and attitude to address the existing challenges in continuance usage of mobile banking services. Data was collected using a self-administered questionnaire from company's owners and managers. A total of 287 responses were used in data analysis. SEM technique was employed to evaluate the measurement and structural models. The study found that satisfaction and attitude have a direct influence on continuance usage of mobile banking among SMEs in Tanzania. Furthermore, confirmation, perceived trust, and perceived usefulness have an indirect effect on continuance usage of mobile banking services among SMEs. The study provides useful insights which could be used by mobile banking service providers to improve banking services delivered through mobile technology. Furthermore, the findings will assist scholars in understanding the antecedents which affect continuance usage of mobile banking services among SMEs.

scholarly journals Pengaruh Perceived Ease Of Use, Perceived Usefulness, dan Trust terhadap Intention To Use

2020 ◽  
Vol 2 (3) ◽  
pp. 715
Author(s):  
Ivan Naufaldi ◽  
Miharni Tjokrosaputro
Keyword(s):  
Sampling Methods ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Entire Population ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Online Data ◽  
Convenience Sampling

The purpose of this study is to examine whether perceived ease of use, perceived usefulness, and trust are positive predictors of Intention to use DANA in Jakarta. The population of this research is the DANA users who live in Jakarta, from the entire population of researchers who used only 200 people as samples selected using convinience sampling methods, by distributing questionnaires online, the data were then processed using smartPLS-SEM. The result of this research is perceived ease of use and perceived usefulness affect intention to use, and the trust can’t affect the intention to use.Tujuan dari penelitian ini adalah untuk menguji apakah persepsi kemudahan penggunaan, persepsi manfaat, dan kepercayaan merupakan prediktor positif dari niat untuk menggunakan DANA di Jakarta. Populasi penelitian ini adalah pengguna DANA yang tinggal di Jakarta, dari seluruh populasi peneliti yang menggunakan hanya 200 orang sebagai sampel yang dipilih menggunakan metode convenience sampling, dengan mendistribusikan kuesioner secara online, data kemudian diproses menggunakan smartPLS-SEM. Hasil dari penelitian ini adalah persepsi kemudahan penggunaan dan persepsi kegunaan mempengaruhi niat untuk menggunakan, dan kepercayaan tidak dapat mempengaruhi niat untuk menggunakan.

scholarly journals ANALYSING THE DRIVERS AFFECTING THE INTENTION TO USE ONLINE ZAKAT PAYMENT AMONG MUSLIM IN SHAH ALAM, SELANGOR

2021 ◽  
Vol 16 (1) ◽  
pp. 32-48
Author(s):  
Noryati Ahmad ◽  
Roszahira Idayu Roslin ◽  
Nur Fatin Syahira Nazrin
Keyword(s):  
Sampling Technique ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Security And Privacy ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Business World ◽  
Doing Business ◽  
Foreign Competitors ◽  
Structured Questionnaire

In today’s business world, the traditional ways of doing business are rapidly being replaced with online transactions. More and more companies realise that they need to digitalize their operation processes to keep abreast with the local and foreign competitors. This practice is no exception to zakat institutions in Malaysia when they must seize this technology evolution to ease the zakat payers in fulfilling the obligation as Muslim via online payment system. This study aims to identify the determinants affecting the intention to use online zakat payment among Muslim in Shah Alam, Selangor. A structured questionnaire is distributed to 300 Muslim respondents Muslim using a convenience sampling technique. The results of the estimated multiple regression show that perceived usefulness, perceived ease of use and security and privacy critical drivers of intention to use online zakat payment while no significant relationship was found between trust and amount of information to use online zakat payment. Thus, the empirical findings of this study provide a point of reference to zakat institutions to leverage the usefulness and ease of use of the online collection zakat system to increase zakat collections. Additionally, the institution must also beef up its security and privacy of users to alleviate the acceptance of online system usage.

scholarly journals Pertimbangan dan Sikap Milenial terhadap Minat Menggunakan E-Wallet: Pada Masa PSBB Pandemi Covid-19 di Kota Tangerang

2020 ◽  
Vol 3 (2) ◽  
pp. 64-81
Author(s):  
Humairoh Humairoh ◽  
Andi Kasuma Negara ◽  
Siti Asriah Immawati
Keyword(s):  
Large Scale ◽  
Sampling Technique ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Payment Systems ◽  
Paper Money ◽  
Digital Transactions ◽  
Intervening Variables

The government's policy to prevent or reduce the spread of the Covid-19 virus is to enforce the Large-Scale Social Restrictions (LSSR) so that transactions that previously use paper money and cash turn into digital transactions. So far, e-wallets are considered as a transaction facility that makes it easier for users. This study aims to analyze the differentiation attributes that affect millennial considerations and attitudes towards using to intention to use e-wallets during LSSR Covid-19 on millennials in Tangerang City. The research sample was 96 respondents using purposive sampling technique, namely millennials who use e-wallets in making payments. The instrument used was a structured questionnaire with a Likert scale of 1-5, data processing using the Smart PLS program. This study's results, the intention to use e-wallet of the millennial generation, were influenced by brand image, perceived ease of use, perceived usefulness through consideration millennial, and attitudes toward using as intervening variables with R2 adjusted 0.638. This study's results have implications for SMEs business actors to switch payment systems from cash payments to payments using e-wallets.

scholarly journals Impact of Technology Adoption and Its Utilization on SMEs in Ghana

2019 ◽  
Vol 2 (2) ◽  
pp. 1-13
Author(s):  
Afenya Millicent Selase ◽  
Aphu Elvis Selase ◽  
Abdul-Rahaman Ayishetu ◽  
Asime Dede Comfort ◽  
Amezado Stanley ◽  
...  
Keyword(s):  
Technology Adoption ◽  
Technology Acceptance ◽  
Small And Medium Enterprises ◽  
Market Performance ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Internet Technology ◽  
Primary Data ◽  
Technology Usage ◽  
Medium Enterprises

The study used a quantitative approach to identify technology adoption and its utilization effect on market performance of small and medium enterprises in Ghana, La-Nkwantanang municipality. The study combined the construct Of Technology Acceptance Model and Innovation Diffusion Theory to identify some factors which influence small and medium enterprises to adopt and use internet technology. Furthermore, the study examined some factors which also hinder the adoption and utilization of internet technology among small and medium enterprises. Finally, the study determined the relationship between in internet technology usage among small and medium enterprise and market performance. A sample size taken by the researchers was 100 from the small and medium enterprises in Madina La-Nkwatanang municipality. The researchers used structured questionnaires to gather primary data which was analyzed using smart PLS and SPSS and the following results were obtained perceived ease of use, perceived usefulness of internet technology, compatibility and cost effectiveness are some of the factors that influence the adoption and utilization of internet technology, however, there is a positive relationship between internet technology usage and market performance.

Pengaruh Pembiayaan Mudharabah Terhadap Perkembangan Usaha Mikro Kecil Menengah (UMKM) di BMT Baiturrahman Bojong Gede

Liquidity ◽  
2018 ◽  
Vol 7 (2) ◽  
pp. 137-143
Author(s):  
Ramon Ramadhan
Keyword(s):  
Sampling Method ◽  
Small And Medium Enterprises ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Strong Relationship ◽  
Simple Linear Regression ◽  
Analysis Model ◽  
Processing Data ◽  
Convenience Sampling ◽  
Medium Enterprises

This study conducted observations and studies to determine the effect of mudharabah financing provided by BMT Baiturrahman on the development of Micro, Small and Medium Enterprises (MSMEs). The research technique used in this study is a quantitative technique with a population of customers who take financing in the BMT with a total of 166 customers financing after using the 10% Slovin error formula to 63 customers as the sample. The sampling technique in this study uses non-probability sampling by convenience sampling method. Whereas for data analysis methods using a simple linear regression analysis model, and for processing data using SPSS 23. This study concluded that mudharabah financing has a very strong relationship (correlation) which is very significant for the development of MSMEs. So it can be concluded that mudharabah financing has a significant effect on the development of MSMEs.

scholarly journals PENGARUH PERCEIVED EASE OF USE,PERCEIVED USEFULNESS,CONFIRMATION, PERFORMANCE VALUE DAN SATISFACTION TERHADAP CONTINUANCE INTENTION PADA PENGGUNA GO-FOOD

Media Bisnis ◽  
2020 ◽  
Vol 12 (1) ◽  
pp. 1-9
Author(s):  
VITA BRILLIANA ◽  
ARTON BRIYAN PRASETIO ◽  
CINDY MONICA
Keyword(s):  
Structural Equation ◽  
Sampling Technique ◽  
Equation Model ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Analysis Method ◽  
Perceived Ease Of Use ◽  
Continuance Intention ◽  
Descriptive Research ◽  
Convenience Sampling

The purpose of this study to determine the effect of perceived ease of use, perceived usefulness, confirmation, performance value and satisfaction with continuance intention. This research is a development from previous research written by Dawei Shang and Weiwei Wu (2017). The research used is in the form of casual and descriptive research. Data collection was carried out using convenience sampling technique with the number of respondents 142. Data analysis method uses SEM (Structural Equation Model) with SmartPLS 3.0 and IBM SPSS version 25. This research shows that perceived ease of use, perceived usefulness, confirmation, performance value and satisfaction have an influence on continuance intention.

scholarly journals ANALISIS NIAT BELI KONSUMEN MELALUI ONLINE FOOD DELIVERY DI ERA PANDEMIC COVID-19

2021 ◽  
Vol 29 (2) ◽  
pp. 18-28
Author(s):  
Intan Muliana Rhamdhani
Keyword(s):  
Path Analysis ◽  
Sampling Technique ◽  
Food Delivery ◽  
Purchase Intentions ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Food Services ◽  
Perceived Ease Of Use ◽  
Sample Technique

Online food delivery (OFD) is an innovative and simple way of purchasing food online. This study aims to examine consumer purchase intentions to use OFD Go-food services during the Covid-19 Pandemic. This study uses a survey of 100 consumers who have the Go-jek application in Kebumen to fill out the questionnaire. The sample technique was taken by using purposive sampling technique, then the data were processed using SPSS version 25.0 and analyzed using path analysis. The findings of this study indicate that the convenience motivation and perceived ease of use are proven unable to directly influence consumer intention to use OFD. Meanwhile, convenience motivation and perceived ease of used have an effect on perceived usefulness. Other results indicate that perceived usefulness is able to act as a mediating variable between convenience motivation, perceived ease of use on consumer purchase intentions using OFD    

scholarly journals THE ROLE OF PERCEIVED BENEFITS IN FORMATION OF INTENTION TO USE ISLAMIC CROWDFUNDING PLATFORM AMONG SMALL AND MEDIUM ENTERPRISES IN MALAYSIA

2019 ◽  
Vol 2 (7) ◽  
pp. 39-47
Author(s):  
Maizaitulaidawati Md Husin ◽  
Razali Haron ◽  
Shahab Aziz
Keyword(s):  
Significant Relationship ◽  
Economic Benefit ◽  
Small And Medium Enterprises ◽  
Sampling Technique ◽  
Intention To Use ◽  
Perceived Benefits ◽  
Transaction Process ◽  
Equity Funding ◽  
Medium Enterprises

Crowdfunding has become a global phenomenon due to its possible role in providing equity funding to small and medium enterprises. Numerous benefits of crowdfunding have been identified. This paper investigated whether three factors - economic benefit, convenience and transaction process are important in influencing the perceived benefits of Islamic crowdfunding platforms and whether perceived benefits affect small and medium enterprises’ (SMEs) intention to use the platform. Self-administered questionnaires and structured online surveys were distributed to SMEs in Selangor, Malaysia using the purposive sampling technique. SmartPLS was used to analyze the data. This paper found that economic benefit has a positive and significant relationship with perceived benefits, and the transaction process has a negative and significant relationship with perceived benefits, while convenience was found to have an insignificant relationship with perceived benefits. This paper also found that perceived benefits were found to have a significant relationship with intention. The significance and contribution of this paper were also discussed.

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