Efek Impresi Fintech Terhadap Perilaku Keuangan Usaha Kecil Menegah (UKM)

<p><em>The purpose of this study was to determine the Impression of finance technology (Fintech) in the form of benefits as well as theeasy to use that has an impact on SME intentions to use it, even though problems in its implementation are indicated. The sample used was 80 SMEs spread...

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Autores principales:	Gendro Wiyono, Kusuma Chandra Kirana
Formato:	article
Lenguaje:	ID
Publicado:	Universitas Muhammadiyah Sumatera Utara 2020
Materias:	fintech, usefulness, ease to use, behavioral intention, problem implementation Management. Industrial management HD28-70 Business HF5001-6182
Acceso en línea:	https://doaj.org/article/c30360528d764bad8e7f8bed91b025cf
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spelling	oai:doaj.org-article:c30360528d764bad8e7f8bed91b025cf2021-11-05T05:03:36ZEfek Impresi Fintech Terhadap Perilaku Keuangan Usaha Kecil Menegah (UKM)1693-76192580-417010.30596/jimb.v21i1.3889https://doaj.org/article/c30360528d764bad8e7f8bed91b025cf2020-11-01T00:00:00Zhttp://jurnal.umsu.ac.id/index.php/mbisnis/article/view/3889https://doaj.org/toc/1693-7619https://doaj.org/toc/2580-4170<p><em>The purpose of this study was to determine the Impression of finance technology (Fintech) in the form of benefits as well as theeasy to use that has an impact on SME intentions to use it, even though problems in its implementation are indicated. The sample used was 80 SMEs spread in the Special Region of Yogyakarta. Data collection using purposive sampling technique provided that the respondents chosen already use fintech. Data analysis using SmartPLS software. The results showed that the benefits of fintech had a positive and significant effect on the financial behavior of SMEs to intend to use it. The more the benefits increase, the behavior of using fintech is growing. It is human's rational nature that what is beneficial to him will encourage behavior. The impression of ease of use of fintech has no positive and significant effect. It is generally known that the attitude towards computer use is a significant determinant of the intention to use fintech. However, the impression of simplicity did not encourage the intention to utilize fintech. Although fintech is perceived as easy, if the benefits are low, UKM does not intend to use it. The implemantation problem has not been proven to have an effect on preventing SMEs from using fintech. Public awareness of the importance of security has not been considered, this is because the community has never felt the impression of the impact of cyber risk. That the problem of fintech implementation is realized is a risk that has a negative effect on the intention of adopting fintech. However, the problems that arise do not reduce the interest of SMEs to use fintech.</em></p>Gendro WiyonoKusuma Chandra KiranaUniversitas Muhammadiyah Sumatera Utaraarticlefintech, usefulness, ease to use, behavioral intention, problem implementationManagement. Industrial managementHD28-70BusinessHF5001-6182IDJurnal Ilmiah Manajemen dan Bisnis, Vol 21, Iss 1, Pp 69-81 (2020)
institution	DOAJ
collection	DOAJ
language	ID
topic	fintech, usefulness, ease to use, behavioral intention, problem implementation Management. Industrial management HD28-70 Business HF5001-6182
spellingShingle	fintech, usefulness, ease to use, behavioral intention, problem implementation Management. Industrial management HD28-70 Business HF5001-6182 Gendro Wiyono Kusuma Chandra Kirana Efek Impresi Fintech Terhadap Perilaku Keuangan Usaha Kecil Menegah (UKM)
description	<p><em>The purpose of this study was to determine the Impression of finance technology (Fintech) in the form of benefits as well as theeasy to use that has an impact on SME intentions to use it, even though problems in its implementation are indicated. The sample used was 80 SMEs spread in the Special Region of Yogyakarta. Data collection using purposive sampling technique provided that the respondents chosen already use fintech. Data analysis using SmartPLS software. The results showed that the benefits of fintech had a positive and significant effect on the financial behavior of SMEs to intend to use it. The more the benefits increase, the behavior of using fintech is growing. It is human's rational nature that what is beneficial to him will encourage behavior. The impression of ease of use of fintech has no positive and significant effect. It is generally known that the attitude towards computer use is a significant determinant of the intention to use fintech. However, the impression of simplicity did not encourage the intention to utilize fintech. Although fintech is perceived as easy, if the benefits are low, UKM does not intend to use it. The implemantation problem has not been proven to have an effect on preventing SMEs from using fintech. Public awareness of the importance of security has not been considered, this is because the community has never felt the impression of the impact of cyber risk. That the problem of fintech implementation is realized is a risk that has a negative effect on the intention of adopting fintech. However, the problems that arise do not reduce the interest of SMEs to use fintech.</em></p>
format	article
author	Gendro Wiyono Kusuma Chandra Kirana
author_facet	Gendro Wiyono Kusuma Chandra Kirana
author_sort	Gendro Wiyono
title	Efek Impresi Fintech Terhadap Perilaku Keuangan Usaha Kecil Menegah (UKM)
title_short	Efek Impresi Fintech Terhadap Perilaku Keuangan Usaha Kecil Menegah (UKM)
title_full	Efek Impresi Fintech Terhadap Perilaku Keuangan Usaha Kecil Menegah (UKM)
title_fullStr	Efek Impresi Fintech Terhadap Perilaku Keuangan Usaha Kecil Menegah (UKM)
title_full_unstemmed	Efek Impresi Fintech Terhadap Perilaku Keuangan Usaha Kecil Menegah (UKM)
title_sort	efek impresi fintech terhadap perilaku keuangan usaha kecil menegah (ukm)
publisher	Universitas Muhammadiyah Sumatera Utara
publishDate	2020
url	https://doaj.org/article/c30360528d764bad8e7f8bed91b025cf
work_keys_str_mv	AT gendrowiyono efekimpresifintechterhadapperilakukeuanganusahakecilmenegahukm AT kusumachandrakirana efekimpresifintechterhadapperilakukeuanganusahakecilmenegahukm
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Efek Impresi Fintech Terhadap Perilaku Keuangan Usaha Kecil Menegah (UKM)

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