Pengaruh Literasi Keuangan, Persepsi Risiko, dan Persepsi Kemudahan terhadap Penggunaan E-wallet (Pada UMKM di Kota Malang)

Akhmad Akmal Nugroho, Nur Diana, Dewi Diah Fakhriyyah

Abstract


The purpose of this study was to determine and analyze the influence of financial literacy, risk perception, and perceived ease of use on e-wallet use among Micro, Small, and Medium Enterprises (MSMEs) in Malang City. This study employed a quantitative approach with a Likert scale as the variable measurement instrument. The sample consisted of 392 respondents, determined using a non-probability sampling technique with a purposive sampling approach, with the criteria being MSME owners or managers in Malang City who use digital wallet services. Primary data were collected through an online questionnaire. Data analysis was conducted through a series of tests, including validity, reliability, classical assumption tests, and multiple linear regression. Hypothesis testing was conducted using t-tests (partial), F-tests (simultaneous), and coefficient of determination tests using SPSS 26 software. The results showed that, partially, financial literacy, risk perception, and perceived ease of use significantly influence the decision to use e-wallets among MSMEs in Malang City.

Keywords: Financial literacy, risk perception, perceived ease of use


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References


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