Ida Ayu, Putri S and Gusti, Ayu Arini and Kania, Cahya and Taufiq, Chaidir B11 - Determinants of the Use of Non-Cash Transactions by Micro, Small, and Medium Enterprises (MSMEs) in Mandalika SEZs, Central Lombok Regency, West Nusa Tenggara, Indonesia An Application of the UTAUT Model (Unified Theory of Acceptance and Use of Technology). IJISET - International Journal of Innovative Science, Engineering & Technology.
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(B-12 Turnitin) Determinants of the Use of Non-Cash Transactions by Micro, Small and Medium Enterprises (MSMEs) in Mandalika SEZs, Central Lombok Regency, West Nusa Tenggara, Indonesia An Application of The UTAUT Mod.pdf Download (3MB) | Preview |
Abstract
The role of Micro, Small, and Medium Enterprises (MSMEs) is very important for the Indonesian economy, this can be seen from its contribution to GDP of 61.97% of the total national GDP or equivalent to Rp. 8,500 trillion, absorbs a large number of workers, namely 97% of the absorption capacity of the business world, and can collect up to 60.4% of total investment in 2020 (Kementerian Koperasi dan UMKM, 2021). To be able to increase the role of MSMEs, of course, MSMEs must be more adaptive in anticipating economic digitalization, this is because digitalization will change traditional transactions to become modern and more efficient. Therefore, it is necessary to know the determination of the use of Non-Cash Transactions in Micro, Small and Medium Enterprises (MSMEs), related to this, this study aims to analyze and prove that the variable performance expectancy, social influence, effort expectancy, facilitating conditions and behavioral intention variables are the determinant variables that affect the use of non-cash transactions for MSME actors in the Mandalika SEZs area based on the UTAUT (Unified Theory of Acceptance and Use of Technology) model. The type of research used is explanatory research. This research was conducted on MSME actors who are in the Mandalika SEZs which includes 5 villages namely Sengkol, Kuta, Mertak, Sukadana, and Gerupuk Villages. The data collection method used is a survey sample. Data collection techniques through the stages of literature study, observation, and direct interviews with respondents guided by a list of questions or questionnaires prepared by researchers. Based on the results of this study it is known that the variables of business expectations and intention to use have a significant effect on the use of non-cash transactions on MSME actors in Mandalika SEZs, while performance expectations, social influence, business expectations, facility conditions, and intention to use, have no significant effect, so it is suggested there is a need for continuous dissemination by Bank Indonesia to be able to change the behavior of MSMEs related to the use of non-cash transactions so that MSMEs can more quickly adopt this new technology. Bank Indonesia together with the Ministry of informatics should be able to provide better infrastructure to facilitate the use of non-cash transactions.
| Item Type: | Article |
|---|---|
| Keywords (Kata Kunci): | MSMEs, Non Cash, UTAUT |
| Subjects: | H Social Sciences > HB Economic Theory |
| Divisions: | Fakultas Ekonomi |
| Depositing User: | Dra. Ida Ayu Putri Suprapti MA. |
| Date Deposited: | 16 May 2023 02:29 |
| Last Modified: | 22 Jun 2023 07:39 |
| URI: | http://eprints.unram.ac.id/id/eprint/37981 |
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