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All Journal Valid Jurnal Ilmiah
Iman Waskito
Universitas Mataram, Nusa Tenggara Barat, Indonesia
Economics, Econometrics & Finance Social Sciences

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Analisis Faktor-faktor yang Memengaruhi Minat Penggunaan Aplikasi Keuangan BUM Desa : (Studi pada Bumdes di Lombok Barat) Iman Waskito; Lalu Takdir Jumaidi; M. Ali Fikri; Maya Dafitri; Fatmayanti
Valid: Jurnal Ilmiah Vol. 23 No. 2 (2026): Valid Jurnal Ilmiah Edisi Januari-Juni 2026
Publisher : Sekolah Tinggi Ilmu Ekonomi AMM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53512/valid.v23i2.646

Abstract

This study aims to analyze the factors influencing the behavioral intention to use BUM Desa financial applications in West Lombok Regency using the Unified Theory of Acceptance and Use of Technology 2 (UTAUT 2) model. The research is driven by the persistent challenges regarding transparency and accountability in BUM Desa management, despite the government’s provision of free financial software. A quantitative research design was employed, with data gathered via questionnaires from respondents representing 25 BUM Desa in West Lombok Regency that had participated in financial reporting training. Data analysis was conducted using Partial Least Squares - Structural Equation Modeling (PLS-SEM). The results indicate that among the seven variables tested, only Price Value has a significant effect on Behavioral Intention. This finding suggests that the managers' interest in utilizing the application is primarily motivated by its cost-free nature. Conversely, Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, Hedonic Motivation, and Habit do not significantly influence the intention to use. These findings imply that respondents still encounter various managerial and technical obstacles, highlighting a critical need for continuous mentoring, particularly as most participants do not have a formal educational background in finance
Co-Authors Fatmayanti Lalu Takdir Jumaidi M. Ali Fikri Maya Dafitri