Pengaruh Literasi Keuangan, Persepsi Kemudahan dan Persepsi Kegunaan Terhadap Minat Penggunaan Fintech Lending Syariah (Studi pada UMKM di Kota Malang)

Achmad Yoga Rifandi Andriansyah, Afifudin Afifudin, Abdullah Syakur Novianto

Abstract


The advancement of information and communication technology has brought significant changes to many sectors, including the financial sector. Among the rapidly developing innovations is financial technology (fintech), which provides easy access to financial services, especially for MSMEs. This study aims to analyze the influence of financial literacy, perception of ease, and perception of usefulness on the interest of MSMEs in Malang City in using sharia-based fintech. Sharia fintech provides a financial alternative based on sharia principles, while encouraging national financial inclusion. This study uses a quantitative model of the survey method on MSME actors in Malang City. The data collected was analyzed using multiple linear regression to test the influence of independent variables on the interest in using sharia fintech. The study findings show that financial literacy has a significant positive effect on the interest of MSMEs in using sharia fintech. Perception of ease and perception of usefulness have also been shown to significantly influence the interest of MSMEs, where users feel that sharia fintech makes it easier to access financing and increases their operational efficiency. This study concludes that financial literacy, perception of ease, and perception of usefulness are the main factors that support the interest of MSMEs in utilizing sharia fintech services. Thus, efforts to increase financial literacy and develop a sharia fintech platform that is easily accessible and provides real benefits are very important to support the growth of MSMEs in Malang City.

Keywords: Financial literacy, perceived convenience, perceived usefulness, sharia fintech, interest, MSMEs, Malang City.


Full Text:

PDF

References


Alfarizi, M., & Ngatindriatun. (2022). Indonesian Halal Msme Open Innovation With Islamic Fintech Adoption. Jurnal Akuntansi Dan Keuangan Indonesia, 19(2), 221–243. https://doi.org/10.21002/jaki.2022.11

Asri, H. R., Setyarini, E., & Gisijanto, H. A. (2022). Pengaruh Persepsi Kemudahan, Persepsi Risiko, Dan Kepercayaan Terhadap Minat Penggunaan Peer To Lending. Jurnal Ilmiah Multidisiplin, 1(03), 01–09. https://doi.org/10.56127/jukim.v1i03.99

CNBC Indonesia. (2020). Strategi Digitalisasi Sektor UMKM Ala Kota Ml

Granita, I. (2020). Financial Technology di Indonesia. Jurnal Teknologi Informasi, 2(1), 2.

Lusardi, A., Mitchell, O. S., & Curto, V. (2011). Financial Literacy Among the Young: Evidence and Implications for Consumer Policy. SSRN Electronic Journal, August. https://doi.org/10.2139/ssrn.1459141

Muthi’ah, F., & Indrarini, R. (2023). Pengaruh Literasi, Kegunaan, dan Kemudahan Terhadap Minat Masyarakat Menggunakan Dompet Digital Syariah. Jurnal Ekonomi Dan Bisnis Islam, 7(1), 179–173. https://doi.org/10.30868/ad.v7i01.4050

Nopy, E., & Noersanti. (2022). Pengaruh Kepercayaan, Persepsi Kemudahan Penggunaan, Dan Kualitas Pelayanan Elektronik Terhadap Niat Beli Ulang. Jurnal Impresi Indonesia, 1(6), 694–700. https://doi.org/10.58344/jii.v1i6.90

Rumbinianingrum, W., & Wijayangka, C. (2018). PENGARUH LITERASI KEUANGAN TERHADAP PENGELOLAAN KEUANGAN UMKM. Jurnal Manajemen Dan Bisnis (ALMANA), 2(3), 155–163.

Rusydiana, A. S. (2019). Bagaimana Mengembangkan Industri Fintech Syariah di Indonesia? Pendekatan Interpretive Structural Model (ISM). Al-Muzara’ah, 6(2), 117–128. https://doi.org/10.29244/jam.6.2.117-128

Winanda, Z. K. M. M. (2024). PENGARUH PERSEPSI KEGUNAAN, PERSEPSI KEMUDAHAN, DAN KEPERCAYAAN TERHADAP MINAT MENGGUNAKAN FINTECH PEER TO PEER LENDING SYARIAH (STUDI KASUS PADA UMKM KOTA BANDA ACEH). Αγαη, 15(1), 37–48


Refbacks

  • There are currently no refbacks.