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Yulfiswandi, Yulfiswandi
Universitas Internasional Batam
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Journal : Equilibrium

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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI NIAT UMKM KOTA BATAM UNTUK MENGGUNAKAN FINTECH Devin, Devin; Yulfiswandi, Yulfiswandi
Equilibrium: Jurnal Penelitian Pendidikan dan Ekonomi Vol. 21 No. 01 (2024): Equilibrium: Jurnal Penelitian Pendidikan dan Ekonomi
Publisher : Universitas Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25134/equi.v21i01.8902

Abstract

AbstrakPenelitian ini dilakukan untuk menguji apakah perceived usefulness, perceived ease of use, government support, financial literacy, dan trust memiliki pengaruh terhadap behavioral intention to use. Metode penelitian yang digunakan bersifat kuantitatif dengan metode pengambilan sampel non probabilitas sampling. Jumlah sampel yang digunakan sebanyak 300 responden. Metode analisis data yang digunakan adalah analisis regresi linier berganda. Penelitian ini melakukan pengujian dengan software SPSS. Hasil penelitian menunjukkan bahwa variabel perceived usefulness atau persepsi kegunaan dapat memengaruhi perilaku intention to use. Perceived ease of use dinyatakan dapat memengaruhi behavioral intention of use, pengguna atau konsumen akan cenderung tertarik dan ingin menggunakan produk FinTech apabila produk tersebut lebih menarik dan mudah untuk digunakan. Government support dapat memainkan peran penting dalam membentuk niat pengguna dalam menggunakan FinTech dengan memberikan dukungan berupa infrastruktur teknologi atau insentif keuangan. Variabel financial literacy dibuktikan dapat berpengaruh terhadap behavioral intention to use. Kata kunci: fintech; niat penggunaan; UMKM AbstractThis research was conducted to test whether perceived usefulness, perceived ease of use, government support, financial literacy, and trust have an influence on behavioral intention to use. The research method used is quantitative with a non-probability sampling method. The number of samples used was 300 respondents. The data analysis method used is multiple linear regression analysis. This research conducted testing with SPSS software. The results of the research show that the variable perceived usefulness can influence intention to use behavior. Perceived ease of use is stated to influence behavioral intention of use, users or consumers will tend to be interested and want to use FinTech products if the product is more attractive and easy to use. Government support can play an important role in shaping users' intentions to use FinTech by providing support in the form of technological infrastructure or financial incentives. The financial literacy variable has been proven to influence behavioral intention to use. Keywords : fintech; behavioral intention; SMEs
Co-Authors Agus Tamrin Reni agustin, isnaini nuzula Agustino, Malvin Albert Lee Alexander Alexander Janio Wijaya Aliandrina, Dessy Alvin Alvin Alvin, Alvin Alzi Ana Anchao, Wang Angel Angel Angel Lim, Michelle Angelina Angelina Angelina, Winna Angeline Aurellia Angeline Aurellia Anzarika, Ria Aris, Hardianto Ariyanto, Hepy Hefri Aurellia, Angeline Benedicte Hartono Benwanto Ardiyano Brahmantya Chriswardhana Brillian, Ahmad CALVIN CALVIN Candy, Candy Carol Carol Celine Kho Celine Kho Chanda Vedalla Putra Charles Tan Charles Tan Cindy Cindy Cindy Valentina Dafi Pralibdo Defen Delfina Delfina Della Jane Wijaya Devin Devin Devin, Devin Dewi Fortuna Dewi Kurniawaty Dion Dewa Barata Dion Dewa Barata Donal Mon, Muhammad Elida, Shelly Elissa Jocelynn Ellen Ellen Elvina Syahara Erick Estina Sativa Fahlevi, Renza Febrian Hermawan Fionna Quinn Florensia Sutjiali Florentina Jasmine Gelasia Gwyneth Go, Michelle Halim, Rynando Sadrakh Hardi Suandri Hardianto Aris Hardy Winata Lie Hartono, Benedicte Herliyanti Sanjaya Herman Eka Putra Hesniati, Hesniati Ilianto Tri Sagianto Indah Mawarni Irvan Kurniawan Irvin Ng IVAN JONES Ivana Metta Noviany Ivander Lukito Jackson Jackson Jasmine, Florentina Jason Jason Jenny Jenny Jenny Jenny Jenny Yang Jenny, Jenny Jeslin Jessica Novia Jessica Valeria Jessica Valeria Jhonny Se Jimmy Tjong Joey Joey Jofen Cenedi Jongestu Johanes Prawira Johanes Prawira Johny Budiman Jollin Jollin Julia Rahayu Putri Junita Junita Justyanita Justyanita Juviyanty Juviyanty Kelvin Kelvin Kelvin Kelvin Kelvin Keven Keven Kho, Celine Kristina Kristina Kristina Laiden Ellebin Purba Laulita, Nasar Buntu Lee, Albert Leven Dickson Lim Winny Lim, Vera Edelia Lindawati Lindawati Lovis Vernando M.Aidil Basri Maidan Setiawati Mardiana, Asri Marheni, Dewi Khornida Melina, Bonita Mentari Indah Sari Michelle Angel Lim Michelle Angel Lim Miftachul Choiri Miftahul Jannah Muhammad Rivaldy Hisham Muhammad Rizky Wahyudi Muhammad Saprudin Nathania Jocelyn Ng Thian Way Ng Thian Way Nico Hadi Nopry Nopry Nopry Novia Junita Nurul Jofia Oktris Susanti Olivia Lysion Pralibdo, Dafi Pratama, Desi Purwanto Purwanto Rehman, Saeeda Ria Anzarika RICKO MARTHIN Ricky Ricky Rico Lim Gestu Rico Limgestu Robin Robin Robin Rosmawati Rosmawati Rusiana, Nia Sari Wahyuni, Lily Sudhartio, Sartika Eliya Selen Angelina Sentoso, Antony Sephia Septiana Septiany, Sheila Septriana Septriana Sherlyca Styvani Sherry Sherry Sherry Sherry, Sherry Shinta Dewi Shinta Dewi Shirlyn, Shirlyn Silvia Salim Silvia Salim Siti Rohani Sonata, Vina Stephanie Steven Steven Suhendri, Nindi Sunaidi, Nicholas Supriyadi Arifin Suyono Saputra Taqiyuddin Taqiyuddin, Taqiyuddin Tiffany Lim Ur Rahman, Haseeb VALENCIA VALENCIA Valentina, Cindy Venessa Venessa Veni Sisca Verandi, Rizal Verina Verina Vernando, Lovis Verren Calystania Vina Sonata Vincent Vincent Vincent Vincent, Vincent VINNA RUDIANTO Vira Vivi Sonata Viviani Viviani Vonnylia Wahyu Satriyo Wicaksono Wahyudi, Zulfikar Wen, Wel Winda Fionita Sitorus Windy Wihue Tarekar Winna Angelina Wisnu Yuwono Yessa Natasha Yessa Natasha Yovita Yolanda Budiman Yudhistira Yudhistira Yuliyanti Zai, Immanuel Zetty Aqmi, Alifia Lisda