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All Journal Jurnal Abdimas Madani dan Lestari (JAMALI) Jurnal Manajemen Jurnal Manajemen dan Bisnis Madani
Sunarmo
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The Role of External Factors on Actual Technology Use of Omni Channel Applications Samiono, Bambang Eko; Pratiwi, Anggun; Sunarmo; Alam, Rahmat
Jurnal Manajemen Vol. 29 No. 3 (2025): October 2025
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jm.v29i3.2745

Abstract

This study aims to analyse the role of external factors (Job Relevance and Computer Self-Efficacy) on Actual Technology Use of Omni Channel Applications (What'sApps Business) in MSMEs in Sukabumi based on the concept of Technology Acceptance Model (TAM). Quantitative research methods are carried out using the basic Technology Acceptance Model (TAM) variables. The analysis was conducted using SEM-PLS.  The sample set was 200 MSMEs in Sukabumi. Non-probability sampling techniques with purposive sampling were used for sampling.  The findings in this study are the existence of the Omni Channel application (What'sApps Business) has been accepted by MSME in Sukabumi. This is evident from the direct and indirect effects of all variables involved in Actual Technology Use.  The role of Job Relevance and Computer Self Efficacy variables also have a positive and significant influence on Perceived Ease of Use and Perceived Usefulness of respondents.
Technology Perceptions in MSMEs Islamic P2P Lending Intentions: The Moderating Role of Religiosity Khoiriana, Febri; Sunarmo
Jurnal Manajemen dan Bisnis Madani Vol. 8 No. 1 (2026): Jurnal Manajemen dan Bisnis Madani
Publisher : Fakultas Ekonomi & Bisnis Universitas Paramadina

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51353/vmnvyv04

Abstract

This study examines how technology perceptions influence MSMEs’ intention to use Islamic peer-to-peer (P2P) lending by analyzing the roles of Islamic financial literacy, perceived ease of use, perceived usefulness, and perceived risk, with religiosity as a moderating variable. Using a quantitative approach, data were collected from 100 MSME owners in DKI Jakarta and analyzed through Partial Least Squares Structural Equation Modeling (PLS-SEM) with WarpPLS 7.0. The results indicate that Islamic financial literacy, perceived ease of use, and perceived usefulness have positive and significant effects on MSMEs’ intention to use Islamic P2P lending, while perceived risk has a significant negative effect. Furthermore, religiosity is found to moderate the relationships between Islamic financial literacy and perceived usefulness with intention to use Islamic P2P lending. However, religiosity does not moderate the effects of perceived ease of use and perceived risk on intention to use. These findings contribute to the literature on Islamic fintech adoption by highlighting the joint role of technological perceptions and individual religiosity in shaping MSMEs’ intentions to use Islamic P2P lending. The study also offers practical implications for policymakers and regulators in strengthening Islamic financial literacy and developing supportive regulatory frameworks for Islamic fintech. In addition, Islamic P2P lending providers are encouraged to enhance platform usability, service benefits, and security to increase MSME adoption.
Digital Sociopreneur untuk Pemberdayaan Masyarakat melalui Inovasi Komunikasi Pemasaran Digital di Kampung Cibayawak, Desa Pagelaran, Banten: Indonesia Arianti, Gusmia; Zarkasi, Irwa Rochimah; Kulau, Febriansyah; Sunarmo; Haroni, Nanang; Hanafi, Des
Jurnal Abdimas Madani dan Lestari (JAMALI) Volume 08, Issue 1, Maret 2026
Publisher : UII

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jamali.vol8.iss1.art14

Abstract

Digital transformation has opened up new opportunities for Micro, Small, and Medium Enterprises (MSMEs) to expand their markets; however, limited digital literacy remains a major obstacle in many communities, including Cibayawak Hamlet, Pagelaran Village, Banten. This community service program is designed with the spirit of digital sociopreneurship by optimizing digital technology to create social value while empowering the local economy. Through the active involvement of young people, students, and lecturers, this program not only transfers technical skills but also fosters social awareness to help MSMEs advance in digital marketing. The focus of the activity is training in producing creative short video content for TikTok and improving product packaging design. Content quality evaluation was carried out using a 12-indicator validation sheet (scale 1–5) on seven videos created by participants. The results showed that ethical and legal compliance and audio/image quality were key strengths, while titles and captions, editing and transitions, and message sharpening still needed to be strengthened. This program emphasizes the role of young people as agents of digital change capable of bridging the technology gap at the community level. Practical recommendations such as storyboarding, keyword-based caption writing, and lightweight editing templates are offered as step-by-step solutions to help MSMEs produce content relevant to social media trends. With a digital sociopreneurial approach, this program not only enhances marketing skills but also builds a collaborative ecosystem between academics, young people, and local businesses for digital-based economic independence.
Co-Authors Alam, Rahmat Anggun Pratiwi Febriansyah Kulau Gusmia Arianti Hanafi, Des Haroni, Nanang Khoiriana, Febri Samiono, Bambang Eko Zarkasi, Irwa Rochimah