THE INFLUENCE OF PERCEPTIONS OF EASE OF USE, EFFECTIVENESS, AND RISK ON INTEREST IN TRANSACTING

Sri Wahyuni Saputri, Qahfi Romula Siregar

Abstract


This research aims to examine the influence of perceived ease of use, effectiveness and risk on interest in making transactions using financial technology (fintech) among MSME actors with anchovy chili sauce chips in Pandan Village. This research used a sample of 43 MSME respondents for anchovy chili chili chips in Pandan Village. The data analysis method used is multiple linear regression analysis with the help of IBM SPSS version 24 software. The results of this study show that perceived ease of use has a significant positive effect on interest in transactions using financial technology (fintech), effectiveness has a significant positive effect on interest in transactions using financial technology. (fintech) , and risk has a significant positive effect on interest in transactions using financial technology (fintech). Because the results of simultaneous test calculations (F test) show that calculated F = 29.984 > F table = 2.85 and the sig value is 0.000 < 0.05 .

Full Text:

PDF

References


Abdullah, I., & Siregar, SK (2018). Analysis of the Effectiveness of Hotel Tax in Increasing Medan City's Original Regional Income (PAD). Scientific Journal , 1 (1), 1–13.

Arumi, A., & Yanto, H. (2019). Antecedents of the Use of Electronic Banking Services among Students (A Study of the Technology Acceptance Model). Economic Educational Analysis Journal , 8 (1), 130–147.

Bahri, S., & Listiorini, L. (2019). The Influence of Perceived Usefulness, Perceived Ease, Perceived Security and Confidentiality and Perceived Speed on Taxpayer Interest in Using E-Filing at KPP Pratama Binjai. Journal of Accounting and Business Research , 19 (2), 159–170. https://doi.org/10.30596/jrab.v19i2.4680

Basalamah, R., Nurdin, N., Haekal, A., Noval, N., & Jalil, A. (2022). The Influence of Perceptions of Convenience and Risk on Interest in Using Gopay Financial Technology (Fintech) among the Millennial Generation in Palu City. Journal of Islamic Economics and Business - JIEBI , 4 (1), 57–71.

Budiono, C. (2020). The Influence of Trust and Convenience on Interest in Using Mandiri E-money in Cibubur During the Pandemic .

Febriyani, DA (2018). The Influence of Perceived Ease of Use and Perceived Usefulness on Online Buying Interest in Ust Yogyakarta Students Using Zalora. Dewantara Ecobis Journal , 1 (11), 1019.

Gunawan, A., Jufrizen, J., & Rahmawany, D. (2023). Improving MSME Performance Through Financial Literacy, Financial Technology, And Financial Inclusion. International Journal of Applied Economics, Finance and Accounting , 15 (1), 39– 52. https://doi.org/10.33094/ijaefa.v15i1.761

Hanifah, TR, & Mukhlis, I. (2022). The Influence of Effectiveness, Hedonism,

Usefulness, and Trust on Malang State University Students' Interest in Using Shopeepay Services: Technology Acceptance Model Approach. Ecobisma (Journal of Economics, Business and Management) , 9 (2), 69–83. https://doi.org/10.36987/ecobi.v9i2.2711

Hu, Z., Ding, S., Li, S., Chen, L., & Yang, S. (2019). Adoption Intention Of Fintech Services For Bank Users: An Empirical Examination With An Extended Technology Acceptance Model. Symmetry , 11 (3), 1–16. https://doi.org/10.3390/sym11030340

Juliandi, A., Irfan, I., Manurung, S., & Satriawan, B. (2018). Processing Business Research Data with SPSS . AQLI Scientific Research and Writing Institute.

Khoirunnisa, K. (2023). Effectiveness of Direct Supervisor Supervision on Employee Work Effectiveness in the Medan City Transportation Service. Student Scientific Journal of Social and Political Sciences (JIMSIPOL) , 3 (1), 68–75.

Makmur, A. (2015). Effectiveness of Using the Base Method in Increasing Creativity and Motivation in Learning Mathematics for Students at SMP N 10 Padangsidempuan. EduTech JOURNAL , 1 (1), 1–15. http://dx.doi.org/10.30596%2Fedutech.v1i01.264

Marisa, O. (2020). Perceptions of Ease of Use, Effectiveness and Risk Influence Interest in Transactions Using Financial Technology. Journal of Office Administration , 8 (2), 139–152.

Martineli, I. (2021). Looking at Financial Technology in the Banking Sector. Journal of Social Humanities Communications , 2 (1), 32–43.

Maulidya, N. (2022). The Influence of Perceptions of Ease, Risk and Effectiveness on Community Interest in Using QR Code-Based Crowdfunding Platforms. Journal of Comprehensive Islamic Studies , 1 (2), 325–354. https://doi.org/10.56436/jocis.v1i2.146

Mujiatun, S., Jasin, H., Fahmi, M., & Jufrizen, J. (2022). Sharia Financial Technology (Fintech) Model in North Sumatra. Owner , 6 (3), 2830–2839. https://doi.org/10.33395/owner.v6i3.893

Nadhilah, P., Jatikusumo, RI, & Permana, E. (2021). Effectiveness of Using E-Wallets Among Students in the Process of Determining Purchasing Decisions. JEMMA (Journal of Economics, Management and Accounting) , 4 (2), 128–138. https://doi.org/10.35914/jemma.v4i2.725

Nasir, F. (2021). The Influence of Perceived Ease of Use, Effectiveness and Risk on Interest in Transactions Using the OVO Application. Study of Undergraduate Students at Bachelorwiyata University, Tamansia. Journal of Investment , 7 (1), 36–43.

Noviyanti, A., & Erawati, T. (2021). The Influence of Perceived Ease, Trust and Effectiveness on Interest in Transactions Using Financial Technology (Fintech) (Case Study: MSMEs in Bantul Regency). Indonesian Accounting and Finance Scientific Journal , 4 (2), 65–74.

Nurdin, N., Azizah, WN, & Rusli, R. (2020). The Influence of Knowledge,

Convenience and Risk on Interest in Transactions Using Financial Technology (Fintech) among Students at the State Islamic Institute (IAIN) Palu. Journal of Islamic Banking and Finance , 2 (2), 199–222.

Pramella, JI, & Soleha, E. (2023). The Influence of Effectiveness, Trust and Risk on Interest in Transactions Using Fintech (Case Study of Pelita Bangsa University Students Using M-banking). SEIKO: Journal Of Management & Business , 6 (1), 799–811. https://doi.org/10.37531/sejaman.v6i1.4040

Putra, IPAPA, Sukaatmadja, IPG, & Giantari, IGAK (2016). The Influence of Perceived Ease of Use, Perceived Risk, on Trust and Intention to Purchase E-Ticket on the Traveloka Site. Udayana University Economics and Business E-Journal 5.9 , 9 (1), 3007–3030.

Putri, R., & Siregar, QR (2022). The Influence of Financial Knowledge, Financial Attitudes and Financial Literacy on Financial Management Behavior in Ayam Penyet MSMEs in Laut Dendang Village. AKMAMI JOURNAL: Journal of Accounting, Management, Economics , 3 (3), 580–592.

Rini, DP, & Sulistiyowati, LN (2022). Interest in Transactions as a Moderating Variable for Decisions to Use Financial Technology. Indonesian Journal of Management and Business , 08 (02), 214–227.

Saputro, EP, & Setyaningrum, DP (2019). Risk Dilemma in Fintech Adoption. Proceedings of the National Seminar and Call for Papers , 1 (1), 167–175. https://jurnal.untidar.ac.id/index.php/semnasfe/article/view/2081

Setiawan, A., Rofingatun, S., & Patma, K. (2020). The Influence of Perceived Ease of Use, Effectiveness, and Risk on Interest and Use of Financial Technology (Fintech) with Interest as a Mediating Variable. Journal of Regional Accounting and Finance

, 15 (2), 35–48. https://doi.org/10.52062/jakd.v15i2.1623

Sihombing, DA, & Juliasari, FA (2022). Analysis of Perceived Ease of Use and Perceived Benefits of Gofood Consumer Purchasing Interest Among IBM Asmi Students. NCBMA , 1 (1), 21–28.

Siswanti, T. (2022). Analysis of the Influence of Economic Benefits, Security and Risks on Interest in Using Financial Technology (Fintech) (Case Study in Communities in the East Bekasi District Area). Solar Business & Accounting Journal , 7 (2), 89– 105. https://doi.org/10.35968/jbau.v7i2.899

Sugiyono, PD (2019). Quantitative Qualitative Research Methods and R&D, Alfabeta.

Denzin, N.K., & Lincoln, S. Yvonna .

Susanto, H., Wathan, H., & Fadhillah, D. (2021). The Influence of Effectiveness and Risk on Interest in Transactions in Fintech. Journal of the National Conference and Engineering of Medan State Polyctechnic , 1 (1), 471–476.


Refbacks

  • There are currently no refbacks.