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All Journal International Journal of Business, Humanities, Education and Social Sciences (IJBHES) Psycho Idea
Anisa Rachmawati
Universitas Teknologi Yogyakarta
Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Using the Technology Acceptance Model to Analyze Information System Performance Kristianto Purwoko Widodo; Anisa Rachmawati; Lilis Endang WIjayanti
Jurnal Internasional Bisnis, Humaniora, Pendidikan dan Ilmu Sosial Vol 4 No 2 (2022): International Journal of Business, Humanities, Education and Social Sciences
Publisher : Universitas Teknologi Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46923/ijbhes.v4i2.198

Abstract

This article analyzes user perceptions of information systems. The DIY provincial government agency conducted the research. The analysis is based on the Technology Acceptance Model (TAM). Information system performance is associated with perceived usefulness (POU) and perceived ease of use (PEU). Based on the technology acceptance model, the user will be able to accept the information system if the user's information system has a perception that the information system is helpful for the user and easy to use. This article analyzes whether user perceptions of the usefulness and ease of use of information systems affect user perceptions of information system performance. The study was conducted on SIPKD users in the DIY provincial government. The regional financial management information system is one of the systems used by the DIY provincial government. SIPKD is a system that all local government work units must use. SIPKD operators are appointed with a regional head decree. The research data was obtained by distributing questionnaires to 100 SIPKD operators. Data were analyzed by moderating regression analysis. Data processing results show that POU and PEU affect user perceptions of information system performance. The proven task complexity variable serves as a moderating variable between POU and PEU with information system performance.
Gaya Kognitif Konsumen pada Fintech Peer To Peer Lending Terhadap Literasi Keuangan Anisa Rachmawati; Dian Yudhawati
Psycho Idea Vol 20, No 2 (2022): Psycho Idea
Publisher : Lembaga Publikasi Ilmiah dan Penerbitan (LPIP)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (416.47 KB) | DOI: 10.30595/psychoidea.v20i2.13065

Abstract

Fenomena yang terjadi di masyarakat, yaitu hadirnya inovasi teknologi jasa keuangan khusus nya  Peer to peer lending. Tujuan penelitian ini untuk menganalisis bagaimana gaya kognitif konsumen dan kemampuan kognitif konsumen menyikapi Peer to peer lending  legal maupun ilegal dalam literasi keuangan. Penelitian ini menggunakan metodologi penelitian kualitatif dengan pendekatan fenomenologis. Subjek penelitian ini yaitu sebanyak 30 responden yang pernah melakukan pinjaman online melalui fintech peer to peer lending. Hasil penelitian menunjukkan bahwa masyarakat sebagai konsumen yang menikmati layanan jasa Peer to peer lending  cenderung memiliki tingkat literasi keuangan yaitu Sufficient literate. Gaya kognitif yang ada di dalam masyarakat saat ini memiliki pengetahuan dan keyakinan tentang Peer to peer lending  yang memberikan layanan jasa keuangan berupa pinjaman online, fitur yang tersedia, mekanisme , manfaat dan potensi risiko  di masa yang akan datang, serta hak dan kewajiban terkait layanan jasa keuangan. Namun tidak memiliki keterampilan menyelesaikan masalah saat menggunakan produk dan jasa keuangan. Tekanan psikis yang dialami konsumen pinjaman online merupakan dampak dari ketidakmampuan dalam menyelesaikan masalah pada saat penagihan.
Consumers’ Perspectives on Fintech Lending in Indonesia: Analysis of Herding Behavior and Physiological Needs Anisa Rachmawati; Selfi Artika; Oktavia Dewi Sari Mukti
Jurnal Internasional Bisnis, Humaniora, Pendidikan dan Ilmu Sosial Vol 5 No 1 (2023): International Journal of Business, Humanities, Education and Social Sciences
Publisher : Universitas Teknologi Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46923/ijbhes.v5i1.251

Abstract

Financial technology is a technological innovation in financial services that is currently developing sector in Indonesia. This study focuses on fintech, which provides online loan financial services called fintech lending. The research gap on peer-to-peer lending was found in the study investigating one of the peer-to-peer lending problems and the existence of information asymmetry. Based on the research gap, this study analyzes the herding behavior of consumers as borrowers. It analyzes consumers’ perspectives as borrowers on technological innovation in peer-to-peer lending in making decisions to fulfill basic physiological needs. The study relays to descriptive qualitative research. It analyzes the social situation that leads to phenomenology. Purposive sampling and snowball sampling were used in this study. There were 31 participants involved in this study that belonged to individuals who have made online loans with the peer-to-peer lending system. A qualitative open-ended question questionnaire was used to collect the data. The finding of this study shows that as many as 70.97% of the 31 respondents use fintech lending applications from recommendations of a friend or relative. In the current phenomenon, consumers imitate people who previously used fintech lending applications. Therefore, the result is in line with the concept of Herding Behavior that respondents select to use the fintech lending application because of an invitation and recommendation from a friend or relative. In addition, most respondents aged 20-30 years who are unmarried use fintech lending applications to fulfill lifestyle needs, while respondents aged 20-40 who are married use fintech lending applications to fulfill basic and business needs.
Co-Authors Dian Yudhawati Kristianto Purwoko Widodo Lilis Endang Wijayanti, Lilis Endang Oktavia Dewi Sari Mukti Selfi Artika