对UMK数字金融包容的新行为印象与意图

Jurnal Pengembangan Wiraswasta Pub Date : 2021-12-31 DOI:10.33370/jpw.v23i3.643

Emmelia Tan, Dadang Heri Kusumah, Acin Damanik

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引用次数: 0

摘要

在微观和小企业中使用新产品e-payment和新行为意向是如何定义的?本研究旨在测试一种研究模型，该模型解释了对UMK数字金融包容的新行为印象和意图。研究样本是Cikarang的微观尝试，81名受访者拥有UMK。研究数据使用sem - please与wrap求求7.0应用程序进行分析。研究表明，印象e-payment对行为意图和财务包容有积极的影响。新的行为意图对UMK的财务纳入有积极的影响。新行为意图部分制订了与UMK数字金融内含关系的e-payment关系。金融UMK的数字交易中使用e-payment的新行为意图所带来的影响超过了UMK数字交易中使用e-payment的印象。使用e-payments和new behavior的含义是如何暗示在新的微- ro和小型业务中使用e-payments ?这个研究aims to examine a research that explains模型e-payments印象》和新行为意图toward数字utilization of financial inclusion MSEs。《研究样本是微型和小型businesses in Cikarang里,用81 respondents世卫组织自己的MSEs。研究数据进行了处理和分析，使用了sem - please 7.0的应用程序。《印象results那里那个e-payment有一个浓厚的积极效应在行为意图和financial inclusion。《新行为的意图用e-payments有百万浓厚,积极效应在MSEs financial inclusion”。新行为意图部分mediate MSEs之数字e-payment on financial inclusion的印象。在MSE数字金融交易中使用e-payments的印象更大。

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Impresi e-Payment dan Niat Berperilaku Baru Bagi Pemanfaatan Inklusi Keuangan Digital UMK

Bagaimana impresi penggunaan e-payment dan niat berperilaku baru menggunakan e-payment di masa new normal pada usaha mikro dan kecil?. Penelitian ini bertujuan menguji model penelitian yang menjelaskan impresi e-payment dan niat berperilaku baru terhadap pemanfaatan inklusi keuangan digital UMK. Sampel penelitian adalah usaha mikro dan kecil di Cikarang, sebanyak 81 responden pemilik UMK. Data penelitian diolah dan dianalisa menggunakan SEM-PLS dengan aplikasi WrapPLS 7.0. Hasil penelitian mengemukakan bahwa impresi e-payment berpengaruh positif signifikan terhadap niat berperilaku dan inklusi keuangan. Niat berperilaku baru penggunaan e-payment berpengaruh signifikan positif pada inklusi keuangan UMK. Niat berperilaku baru memediasi parsial hubungan impresi e-payment terhadap inklusi keuangan digital UMK. Niat perperilaku baru penggunaan Fintech berkontribusi lebih besar dibandingkan impresi penggunaan e-payment pada transaksi keuangan digital UMK.How are the impressions of using e-payments and new behavior intentions using e-payments in the new normal for micro and small businesses? This study aims to examine a research model that explains the impression of e-payments and new behavioral intentions toward utilization of digital financial inclusion MSEs. The research sample is micro and small businesses in Cikarang, with 81 respondents who own MSEs. The research data was processed and analyzed using SEM-PLS with the WrapPLS 7.0 application. The results showed that the impression of e-payment had a significant positive effect on behavioral intentions and financial inclusion. The new behavioral intention to use e-payments has a significant positive effect on MSEs' financial inclusion. New behavioral intentions partially mediate the impression of e-payment on digital financial inclusion of MSEs. The new behavioral intention to use Fintech contributes more than the impression of using e-payments in MSE digital financial transactions.

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Jurnal Pengembangan Wiraswasta

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