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All Journal JURNAL AGRICA Jurnal Bisnis dan Pembangunan
Sarah anistia
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Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Environmental Science Social Sciences

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Analysis of Access to Formal Credit Financial Technology for Chili Farmers in Sukabumi District Hasvi, Ismail; Sarah anistia
JURNAL AGRICA Vol. 18 No. 2 (2025): JURNAL AGRICA
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31289/agrica.v18i2.16338

Abstract

Banking is a financial institution that drives the economy of society, including agricultural producers. The financial literacy index in 2014 showed a very low value of 65.43%. Limited financial literacy hinders farmers' ability to access formal credit institutions such as banks. Financial technology has emerged as an alternative to make it easier for farmers to access sources of financial financing. This study aims to examine the impact of farmer characteristics, financial literacy, and financing service quality on access to formal credit, along with the determinants that influence access to formal credit in financial technology. This study was conducted in Kabandungan District, Sukabumi Regency. The research methodology used was a mixed method, with a total of 100 farmer participants from Kabandungan District. The analysis methods used are descriptive and qualitative analysis, utilizing Microsoft Excel, SPSS, and Smart PLS software. The t-statistic value shows that farmer characteristics with a t-statistic value of 4.48 and financial literacy with a t-statistic value of 11.25 have a significant effect on access to formal credit and financing quality in Financial Technology financing.
Adaptasi Model UTAUT2 pada Penggunaan Teknologi QRIS di Samarinda Rezki Aguswidya Utami; Sarah Anistia
JURNAL BISNIS DAN PEMBANGUNAN Vol. 13 No. 3 (2024): Jurnal Bisnis dan Pembangunan
Publisher : Program Magister Ilmu Administrasi Bisnis FISIP Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/jbp.1313i3.57

Abstract

Abstract: This research aims to analyze the factors influencing the intention and behavior of adopting Quick Response Indonesian Standard (QRIS) technology among consumers of Donutmoo.id in Samarinda. The Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) adaptation model serves as the theoretical framework for this study. Using a quantitative approach, this research focuses on Donutmoo.id customers who utilize QRIS technology for their transactions. Data collection was carried out by distributing online questionnaires. Non-probability sampling with the quota sampling method is used to take the required number of respondents. This study included 153 participants. Partial Least Square (PLS) with SmartPLS 3.0 software was used for data analysis. The result of this research shows that positive influence of performance expectancy, effort expectancy, social influence, hedonic motivation, price value, behavioral intention towards use behavior. One variable does not show significant value, namely social influence
Co-Authors Hasvi, Ismail Rezki Aguswidya Utami