Technology Acceptance Model and Government Support to Use of Islamic Fintech for MSMEs in Metro City
DOI:
https://doi.org/10.32332/ijie.v5i02.8234Keywords:
Technology Acceptance Model, Islamic Fintech, Micro EnterprisesAbstract
The purpose of this research is to find out how to accept Islamic fintech based on influencing factors. These factors are divided into internal and external factors. Internal factors consist of technology readiness, while external factors include government support in the acceptance of Islamic fintech in Micro, Small and Medium Enterprises (MSMEs) in Metro City. The respondents of this research are MSMEs in Metro City who have adopted fintech on their business activities. The data analysis method used in this research is a quantitative method using the Structural Equation Model (SEM). The type of data used is primary data obtained by distributing questionnaires assisted by the results of interviews with respondents. By using the Technology Acceptance Model, this research tries to analyze the model of factors that influence the application of fintech used by MSMEs in Metro City. The research results show that the external factors tested in this research can influence behavioral intentions through perceived benefits, perceived ease of use in implementing fintech in business activities carried out by MSMEs. Apart from these factors, there are also other factors such as government support provided in the form of training/capital assistance and expert assistance. Limitations in this research are the limitations of the research location and research variables used. This is caused by limited funds and time for collecting data in the field. Contributions of this research are expected to help MSMEs to maximize the application of fintech in business activities, as a consideration for local governments to provide more training and assistance for MSMEs in using fintech.
Downloads
References
Aisyah. M.N., Sagoro, E.M., & Nugroho, M.A. (2014). Pengaruh Technology Readiness Terhadap Penerimaan Teknologi Komputer Pada UMKM di Yogyakarta. Jurnal Economia, http://dx.doi.org/10.21831/economia.v10i2.7537
Davis, F.D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. http://dx.doi.org/10.2307/249008
Endraswari, R.M. (2006). Faktor – Faktor yang Mempengaruhi Aplikasi teknologi Informasi dan Pengaruhnya Terhadap Kinerja Perusahaan (Studi Pada UKM Kerajinan Tangan Bantul, Yogyakarta). Tesis. Semarang: Universitas Diponegoro.
Fishbein, M., & Ajzen, I. (1975). Belief, Attitude, Intention, and Behaviour: An Introcution To Theory and Research. Reading, Addison – Wesley, MA.
Hair, et al. (1998). Multivariate Data Analysis With Reading. 3rd ed. Macmillan, New York. NY.
Hadiyati, E. (2015). Marketing and Government Policy on MSMEs in Indonesia: A Theoritical Framework and Empirical Study. International Journal of Bussiness and Management; http://dx.doi.org/10.5539/ijbm.v10n2p128
Kartiwi, M. (2006). Case Studies of E – Commerce Adoption in Indonesia SMEs: The Evaluation of Strategic Use. Australian Journal of Information System, http://dx.doi.org/10.3127/ajis.v14i1.8
Larasati, N., & Santosa, P.I. (2017). Technology Readiness and Technology Acceptance Model in New Technology Implementation Precess in Low Technology SMEs. International Journal of Innovation Management and Technology http://dx.doi.org/10.18178/ijimt.2017.8.2.713
Millan, E.Z., Spinola, M.D.M, and Carvalho, M.M.D. (2019). Fintechs : a literature review and research agenda. Electronic Commerce Research and Applications, http://dx.doi.org/10.1016/j.elerap.2019.100833
Nugroho, M.A. (2015). Impact of Government Support and Competitor Pressure on the Technology Readiness of SMEs in Indonesia in Adopting the Information Technology. Procedia Computer Science, http://dx.doi.org/10.1016/j.procs.2015.12.110
Nuvriasari, A. (2012). Peran Dukungan Organisasional, Kompetensi Teknologi dan Lingkungan Eksternal Dalam Rangka Mendorong Pengadopsian E-Commerce Pada Usaha Kecil Menengah. Jurnal Siasat Bisnis https://journal.uii.ac.id/JSB/article/view/3302
Parasuraman, A. (2000). Technology Readiness Index (TRI): Multiple Item Scale to Measure Readiness to Embrace New Technologies. Journal of Service Research, http://dx.doi.org/10.1177/109467050024001
Rizal, Muhammad, Erna Maulina, Nenden Kostini. “Fintech As One Of The Financing Solutions For SMEs”. AdBispreneur: Jurnal Pemikiran dan Penelitian Administrasi Bisnis dan Kewirausahaan 89 Vol.3, No. 2, Agustus 2018, DOI: https://doi.org/10.24198/adbispreneur.v 3i2.17836
Romadhon, Fitri & Fitri, Alfiana. “Analisis Peluang dan Tantangan Penggunaan Financial Technology Sebagai Upaya optimalisasi Potensi UMKM (Studi Kasus UMKM di Gresik). Jurnal Technobiz Vol. 3, No.1, 2020
Undang – Undang Republik Indonesia Nomor 20 Tahun 2008 Tentang Usaha Mikro, Kecil, dan Menengah.
Walczuch, R., Lemmink. J., & Streukens, S. , (2007). The Effect of Service Employee Tekchnology Readiness on Technology Acceptance. Information & Management Journal, http://dx.doi.org/10.1016/j.im.2006.12.005
