PENERIMAAN ISLAMIC FINANCIAL TECHNOLOGY (IFINTECH) DENGAN PENDEKATAN PENGEMBANGAN TECHNOLOGY ACCEPTANCE MODEL (TAM) PADA PELAKU UMKM DI KOTA MEDAN

Authors

  • Khairunnisa Harahap Universitas Negeri Medan
  • Akmal Huda Nasution Universitas Negeri Medan
  • Jumiadi A.W. Universitas Negeri Medan
  • Andri Zainal Universitas Negeri Medan

DOI:

https://doi.org/10.24114/niaga.v13i2.53521

Keywords:

IFINTECH, TAM, UMKM

Abstract

Penelitian ini ingin melihat bagaimana penerimaan generasi milenial terhadap  penggunaan layanan perbakan Syariah dengan sampel para pemilik dan pegawai UMKM yang ada di kota Medan dengan Teknik Snowboll dengan menggunakan Ektensi Theory Exceptance Model, karena Kaum milenial merupakan orang yang tidak bisa lepas dari kecanggihan teknologi, terutama dalam hal bisnis. Semua urusan bisnis juga dilakukan dengan kecanggihan teknologi. Tren digital di bank syariah ini tentunya akan sangat menunjang berbagai keperluan, mulai dari penerimaan pembayaran, cek saldo sampai transaksi untuk investasi

Author Biography

Khairunnisa Harahap, Universitas Negeri Medan

Prodi Akuntansi Nondik

References

Ajzen, I. (1991). Reporting Behaviour of People with Disabilities in relation to the Lack of Accessibility on Government Websites: Analysis in the light of the Theory of Planned Behaviour. Disability, CBR and Inclusive Development, 50(2), 179“211. https://doi.org/10.47985/dcidj.475

Ansori, M. (2019). Perkembangan dan Dampak Financial Technology (Fintech) terhadap Industri Keuangan Syariah di Jawa tengah. Wahana Islamika Jurnal Studi Keislaman, 5(1), 31“45.

Bank Indonesia. (2021). Indonesia Raih Peringkat Pertama Islamic Finance Country Index (IFCI) Pada Global Islamic Finance Report 2021. https://www.bi.go.id/id/publikasi/ruang-media/newsrelease/Pages/sp_2328321.aspx

Breidbach, C. F., Keating, B. W., & Lim, C. (2020). Fintech: research directions to explore the digital transformation of financial service systems. Journal of Service Theory and Practice, 30(1), 79“102. https://doi.org/10.1108/JSTP-08- 2018-0185

Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly: Management 74 Information Systems, 13(3), 319“339. https://doi.org/10.2307/249008

https://www.cnbcindonesia.com/market/20230216162859-17-414430/pengguna-melesat-transaksi-bsi-mobile-diproyeksi-naik-23

https://www.liputan6.com/bisnis/read/5109284/bank-syariah-indonesia-catat-444-juta-pengguna-baru-mobile-banking

https://news.detik.com/kolom/d-6487853/cara-generasi-milenial-menikmati-tren-digital-di-bank-syariah-indonesia.

"Peran Mobile Banking Bank Syariah Indonesia di Era Milenial" selengkapnya https://news.detik.com/kolom/d-6473413/peran-mobile-banking-bank-syariah-indonesia-di-era-milenial

https://ekonomi.republika.co.id/berita/raqp6r383/pangsa-pasar-bank-syariah-tembus-665-persen-ojk-harus-rasional

"Pangsa Pasar Perbankan Syariah Masih Kecil, OJK Bangun Ekosistem dan Dorong Konsolidasi ",Klik untuk baca: https://money.kompas.com/read/2023/04/12/141000026/pangsa-pasar-perbankan-syariah-masih-kecil-ojk-bangun-ekosistem-dan-dorong?page=all.

https://open.ncl.ac.uk/theories/1/technology-acceptance-model/

Thompson, R. L., Higgins, C. A., & Howell, J. M. (1991). Personal computing: Toward a conceptual model of utilization. MIS Quarterly: Management Information Systems, 15(1), 125“142. https://doi.org/10.2307/249443

Downloads

Published

2024-07-01

Issue

Vol. 13 No. 2 (2024): NIAGAWAN VOL 13 NO 2 Juli 2024

Section

Articles

License

Authors who publish in this journal agree to the following terms:

  1. Authors retain copyright and grant the journal the right of first publication, with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share and adapt the work with an acknowledgment of the work's authorship and initial publication in this journal.
  2. Authors can enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work, with an acknowledgment of its initial publication in this journal.
  3. Authors are permitted and encouraged to post their work online before and during the submission process, as it can lead to productive exchanges and earlier and greater citation of published work. Where authors include such work in an institutional repository or on their website, we request that they include a statement acknowledging the Jurnal Perspektif Pembiayaan dan Pembangunan Daerah, including the name of the journal, the volume number, and a web link to the journal item.
  4. Authors should be aware that the Creative Commons Attribution 4.0 International License (CC BY 4.0) permits readers to share (copy and redistribute the work in any medium or format) and adapt (remix, transform, and build upon the work) for any purpose, even commercially, provided they also give appropriate credit to the work, provide a link to the license, and indicate if changes were made. They may do these things reasonably but not in any way that suggests the author or the publisher endorses their use.

NIAGAWAN by Program Studi Pendidikan Bisnis Fakultas Ekonomi Universitas Negeri Medan is licensed under CC BY-NC 4.0