Impresi e-Payment dan Niat Berperilaku Baru Bagi Pemanfaatan Inklusi Keuangan Digital UMK
Abstract
Bagaimana impresi penggunaan e-payment dan niat berperilaku baru menggunakan e-payment di masa new normal pada usaha mikro dan kecil?. Penelitian ini bertujuan menguji model penelitian yang menjelaskan impresi e-payment dan niat berperilaku baru terhadap pemanfaatan inklusi keuangan digital UMK. Sampel penelitian adalah usaha mikro dan kecil di Cikarang, sebanyak 81 responden pemilik UMK. Data penelitian diolah dan dianalisa menggunakan SEM-PLS dengan aplikasi WrapPLS 7.0. Hasil penelitian mengemukakan bahwa impresi e-payment berpengaruh positif signifikan terhadap niat berperilaku dan inklusi keuangan. Niat berperilaku baru penggunaan e-payment berpengaruh signifikan positif pada inklusi keuangan UMK. Niat berperilaku baru memediasi parsial hubungan impresi e-payment terhadap inklusi keuangan digital UMK. Niat perperilaku baru penggunaan Fintech berkontribusi lebih besar dibandingkan impresi penggunaan e-payment pada transaksi keuangan digital UMK.
How are the impressions of using e-payments and new behavior intentions using e-payments in the new normal for micro and small businesses? This study aims to examine a research model that explains the impression of e-payments and new behavioral intentions toward utilization of digital financial inclusion MSEs. The research sample is micro and small businesses in Cikarang, with 81 respondents who own MSEs. The research data was processed and analyzed using SEM-PLS with the WrapPLS 7.0 application. The results showed that the impression of e-payment had a significant positive effect on behavioral intentions and financial inclusion. The new behavioral intention to use e-payments has a significant positive effect on MSEs' financial inclusion. New behavioral intentions partially mediate the impression of e-payment on digital financial inclusion of MSEs. The new behavioral intention to use Fintech contributes more than the impression of using e-payments in MSE digital financial transactions.Keywords
Full Text:
PDF (Bahasa Indonesia)References
Al Hashfi, R. U., Zusryn, A. S., Khoirunnisa, N. L., & Listyowati, A. R. F. A. (2020). Online Payment, Individual Characteristics, and Digital Financial Inclusion in Oic Countries. Journal of Islamic Monetary Economics and Finance, 6(4), 767–788. https://doi.org/10.21098/jimf.v6i4.1148
Ardianto, K., & Azizah, N. (2021). Analisis Minat Penggunaan Dompet Digital Dengan Pendekatan Technology Acceptance Model (TAM) Pada Pengguna di Kota Surabaya. Jurnal Pengembangan Wiraswasta, 23(1), 13. https://doi.org/10.33370/jpw.v23i1.511
Ayudya, A. C., & Wibowo, A. (2018). The Intention to Use E-Money using Theory of Planned Behavior and Locus of Control. Jurnal Keuangan Dan Perbankan, 22(2), 335–349. https://doi.org/10.26905/jkdp.v22i2.1691
Coffie, C. P. K., Hongjiang, Z., Mensah, I. A., Kiconco, R., & Simon, A. E. O. (2020). Determinants of FinTech payment services diffusion by SMEs in Sub-Saharan Africa: evidence from Ghana. Information Technology for Development, 0(0), 1–22. https://doi.org/10.1080/02681102.2020.1840324
Feng, G., Jingyi, W., Zhiyun, C., Yongguo, L., Fang, W., & Aiyong, W. (2019). The Peking University Digital Financial Inclusion Index of China (2011-2018). Institute of Digital Finance, Peking University, April, 1–70.
Kumala, D. C., Pranata, J. W., & Thio, S. (2020). Pengaruh Perceived Usefulness, Perceived Ease of Use, Trust, Dan Security Terhadap Minat Penggunaan Gopay Pada Generasi X Di Surabaya. Jurnal Manajemen Perhotelan, 6(1), 19–29. https://doi.org/10.9744/jmp.6.1.19-29
Kusumaningtyas, N., & Suwarto, D. H. (2015). ICT Adoption, Skill and Use Differences among Small and Medium Enterprises Managers Based on Demographic Factors. Procedia - Social and Behavioral Sciences, 169(August 2014), 296–302. https://doi.org/10.1016/j.sbspro.2015.01.313
Le, M. T. H. (2021). Examining factors that boost intention and loyalty to use Fintech post-COVID-19 lockdown as a new normal behavior. Heliyon, 7(8), e07821. https://doi.org/10.1016/j.heliyon.2021.e07821
Lutfi, A., Al-Okaily, M., Alshirah, M. H., Alshira’h, A. F., Abutaber, T. A., & Almarashdah, M. A. (2021). Digital financial inclusion sustainability in Jordanian context. Sustainability (Switzerland), 13(11), 1–13. https://doi.org/10.3390/su13116312
Mahfud Sholihin, Dwi Ratmono. (2020). Analisis SEM-PLS Dengan WarpPLS 7.0 Untuk Hubungan Nonlinier Dalam Penelitian Sosial Dan Bisnis. Yogyakarta: Andi publisher.
Marginingsih, R. (2021). Financial Technology (Fintech) Dalam Inklusi Keuangan Nasional di Masa Pandemi Covid-19. Moneter - Jurnal Akuntansi Dan Keuangan, 8(1), 56–64. https://doi.org/10.31294/moneter.v8i1.9903
Nurohman, Y. A., Kusuma, M., & Narulitasari, D. (2021). Fin-Tech, Financial Inclusion, and Sustainability: a Quantitative Approach of Muslims SMEs. International Journal of Islamic Business Ethics, 6(1), 54. https://doi.org/10.30659/ijibe.6.1.54-67
OECD. (2021). G20/OECD-INFE report on navigating the storm: MSMEs’ financial and digital competencies in COVID-19 times. www.oecd.org/finance/navigating-the-storm-MSMEs-financial-and digital- competencies-in-COVID-19-times.htm
Pambudianti, F. F. R., Purwanto, B., & Maulana, T. N. A. (2020). The implementation of fintech: Efficiency of MSMEs loans distribution and users’ financial inclusion index. Jurnal Keuangan Dan Perbankan, 24(1), 68–82. https://doi.org/10.26905/jkdp.v24i1.3218
Permadi, L. A., & Rinuastuti, B. H. (2020). Pengaruh Persepsi Manfaat dan Kemudahan Penggunaan Terhadap Minat Menggunakan Dompet Digital OVO. Jurnal Sosial Ekonomi Dan Humaniora, 6(1), 54–61. https://doi.org/https://doi.org/10.29303/jseh.v6i1.78
Qurniawati, R. S. (2020). Understanding Halal Food SMEs' behavior intention towards e-money. International Journal of Islamic Business Ethics, 5(2), 113. https://doi.org/10.30659/ijibe.5.2.113-124
Rusdianasari, F. (2018). Kata kunci: Fintech, Inklusi Keuangan, Stabilitas Sistem Keuangan Klasifikasi JEL: G23, E4, E6,. Jurnal Ekonomi Kuantitatif Terapan, 11(2), 244–253. https://ojs.unud.ac.id/index.php/jekt/article/down
Senyo, P. K., & Osabutey, E. L. C. (2020a). Unearthing antecedents to financial inclusion through FinTech innovations. Technovation, 98(June 2019), 102155. https://doi.org/10.1016/j.technovation.2020.102155
Senyo, P. K., & Osabutey, E. L. C. (2020b). Unearthing antecedents to financial inclusion through FinTech innovations. Technovation, 98(June), 102155. https://doi.org/10.1016/j.technovation.2020.102155
Setiawan, B., Nugraha, D. P., Irawan, A., Nathan, R. J., & Zoltan, Z. (2021). User innovativeness and fintech adoption in indonesia. Journal of Open Innovation: Technology, Market, and Complexity, 7(3), 1–18. https://doi.org/10.3390/joitmc7030188
Shiau, W. L., Yuan, Y., Pu, X., Ray, S., & Chen, C. C. (2020). Understanding fintech continuance: perspectives from self-efficacy and ECT-IS theories. Industrial Management and Data Systems, 120(9), 1659–1689. https://doi.org/10.1108/IMDS-02-2020-0069
Shofawati, A. (2019). The Role of Digital Finance to Strengthen Financial Inclusion and the Growth of SME in Indonesia. KnE Social Sciences, 3(13), 389. https://doi.org/10.18502/kss.v3i13.4218
Siano, A., Raimi, L., Palazzo, M., & Panait, M. C. (2020). Mobile banking: An innovative solution for increasing financial inclusion in sub-saharan african countries: Evidence from nigeria. Sustainability (Switzerland), 12(23), 1–24. https://doi.org/10.3390/su122310130
Wang, Z., GUAN, Z., Hou, F., Li, B., & Zhou, W. (2019). What determines customers’ continuance intention of FinTech? Evidence from YuEbao. Industrial Management and Data Systems, 119(8), 1625–1637. https://doi.org/10.1108/IMDS-01-2019-0011
Wiyono, G., & Kirana, K. C. (2020). Efek Impresi Fintech Terhadap Perilaku Keuangan Usaha Kecil Menegah (UKM). Jurnal Ilmiah Manajemen Dan Bisnis, 21(1), 69–81. https://doi.org/10.30596/jimb.v21i1.3889
Wiyono, G., & Kirana, K. C. (2021). Digital Transformation of SMEs Financial Behavior in the New Normal Era. Jurnal Keuangan Dan Perbankan, 25(1), 191–211. https://doi.org/10.26905/jkdp.v25i1.4954
DOI: http://dx.doi.org/10.33370/jpw.v23i3.643
Refbacks
- There are currently no refbacks.
Copyright (c) 2021 Jurnal Pengembangan Wiraswasta
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
 
 
