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All Journal Jurnal AKAL: Abdimas dan Kearifan Lokal Neraca Manajemen, Akuntansi, dan Ekonomi
Sri Yani Kusumasturi
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Humanities Automotive Engineering Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Environmental Science Public Health Social Sciences Transportation

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LITERASI KEUANGAN SYARIAH BAGI UMKM DI MASA PANDEMI Lavlimatria Esya Ahadi; Sri Yani Kusumasturi; Khirstina Curry; Mia Amelia; Ika Kristina
Jurnal AKAL : Abdimas dan Kearifan Lokal Vol. 3 No. 2 (2022): Jurnal AKAL : Abdimas dan Kearifan Lokal
Publisher : Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (562.805 KB) | DOI: 10.25105/akal.v3i2.13893

Abstract

The Covid-19 pandemic has had a positive and negative impact on the growth of MSMEs, based on the Katadata Insight Center (KIC), 82.9% of MSMEs felt a negative impact while the positive impact was only a small part, namely 5.9%. MSMEs of Yayasan Insan Palma Sejahtera, located in Palmerah, one of which during the pandemic also felt the impact of this pandemic, including limited capital, access to capital, lack of knowledge of financial institutions, sources of funding, lack of innovation, and borders in marketing products and decreased sales. There are many problems for MSMEs, but the most important thing is the difficulty of obtaining additional capital from financial institutions, this is due to the lack of MSME knowledge of financial institutions or funding sources, as well as the many requirements that have not been met by MSMEs. Based on the problems faced by MSMEs, for this reason, it is necessary to conduct education to increase the knowledge of MSME actors, this can be done in the form of training activities so that they can provide insight to MSME actors regarding the understanding of MSME actors towards Islamic Financial Literacy and Funding Sources for MSMEs that can be used to develop MSME businesses. The results of the training showed that MSME participants who understand and know Islamic financial institutions are 36 percent, while in utilizing their funds, only 50 percent. Based on the results of the training benefit questionnaire for MSME participants related to the level of understanding of the trainees who really understand the material provided strongly agreed by 48 percent and agreed that the remaining 26 percent did not agree.
ANALISA FAKTOR YANG MEMPENGARUHI PENGGUNAAN LAYANAN MOBILE BANKING DENGAN MENGGUNAKAN MODEL UTAUT (UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY) Raisha Agustin; Sri Yani Kusumasturi
Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi Vol. 16 No. 11 (2025): Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8734/musytari.v16i11.12844

Abstract

By using the UTAUT (Unified Theory of Acceptance and Use of Technology) model, this study aims to investigate and analyze the factors that influence the utilization of mobile banking services. In this study, the question whether performance expectancy, effort expectancy, social influence, and facilitating conditions influence behavior intention and behavior intention on use behavior is the formulation of the problem. use). Positive performance expectation is significant to behavioral intention, positive effort expectation is not significant to behavioral intention, positive social influence is not significant to behavioral intention, facilitation condition is positively significant to behavioral intention, and behavioral intention has a significant positive influence to usage behavior, based on the analysis results SEM (Structural Equation Model). Tujuan dari penelitian ini adalah untuk mengetahui dan menganalisis faktor-faktor yang mempengaruhi pemanfaatan layanan mobile banking dengan menggunakan model UTAUT (Unified Theory of Acceptance and Use of Technology). Rumusan masalah dalam penelitian ini adalah apakah performance expectancy, effort expectancy, social influence, dan facilitating conditions mempengaruhi behavior intention dan mempengaruhi behavior intention pada use behavior. menggunakan). Menurut hasil analisis SEM (Structural Equation Model), niat perilaku memiliki pengaruh positif signifikan terhadap perilaku penggunaan, sedangkan harapan upaya positif tidak berhubungan signifikan dengan niat perilaku, pengaruh sosial positif tidak berhubungan signifikan dengan niat perilaku, dan kondisi fasilitasi adalah berhubungan positif dengan niat perilaku.
Co-Authors Ika Kristina Khirstina Curry Mia Amelia Raisha Agustin