THE INFLUENCE OF CONVENIENCE, USEFULNESS, RISK AND SECURITY OF E-WALLET ON PAYMENT AIDS FOR MSMES IN KARANGANYAR REGENCY
Abstrak
The current development of digital payment systems has given rise to various alternatives in their use. The purpose of this study is to ascertain how e-wallets' security, convenience, and usefulness affect MSMEs in Karanganyar Regency's ability to make payments.. Primary data from distributing questionnaires to MSME businessmen in Karanganyar District and Karanganyar Regency was used in this study. The study’s conclusions demonstrate that, for MSMEs in Karanganyar District and Karanganyar Regency, payment aids are positively and significantly impacted by the convenience and usefulness criteria. Whereas, e-wallet risk and security activites do not significantly affect payment tools. Simultaneously, convenience and usefulness have a joint influence on payment aids for MSMEs in Karanganyar district Karanganyar Regency.
Referensi
Ariningsih, E.P., Wijayanti, & Prasaja, M.G. (2022). INTENTION TO USE E-WALLET SEEN FROM PRECEIVED USEFULNESS, PERCEIVED EASE OF USE, PERCEIVED SECURITY, AND TRUST. Journal of Management, Cooperatives and Entrepreneurship, Vol.11.
Aisyah. (2022). The Influence of Convenience, Usefulness, Risk and Security on Decisions to Use E-Wallets among the Millennial Generation in Wonogiri. Thesis. Surakarta: Faculty of Economics and Islamic Business, Universitas Islam Nageri Raden Mas Said, Surakarta.
Agustin Usfatul & Arief Mohammad. (2019). The Influence of Perceived Benefits and Perceived Convenience towards Attitude toward Using Internet Banking Services. Journal Faculty of Economics Universitas Negeri Malang.
Suhendry Wendy. (2021). Interest in Using E-Wallet Funds in Pontianak City. Journal of Management Economics. Vol. 7 No. 1.
Desvronita. (2021). Factors that Influence Interest in Using an E-Wallet Payment System Using the Technology Acceptance Model. Academic Journal Vol. 18.
Dien Ilham Gendy. (2018). The Influence of Convenience, Usefulness and Promotion of Electronic Money on Decisions to Use Electronic Money in Society. Thesis. Jakarta: Faculty of Economics and Business, Syarif Hidayatullah State Islamic University.
Heriyana. (2020). The Influence of Trust and Security on Students' Decisions in Online Shopping. Journal of Economics. Vol. 10.
Economic capacity building policy team of the TNP2K Secretariat, Demography Institute, Faculty of Economics and Business, University of Indonesia. First Edition, March 2021. NATIONAL TEAM FOR THE ACCELERATION OF POVERTY REDUCTION. MAPPING OF THE EMPOWERMENT PROGRAM FOR MICRO, SMALL AND MEDIUM ENTERPRISES (MSME’s). (www.tnp2k.go.id)
Ernawati Nopy, & Noersanti Lina(2020). THE INFLUENCE OF PERCEIVED BENEFITS, EASE OF USE AND BELIEVE IN INTEREST IN USING THE OVO APLICATION. Management Journal. Vol. 3 No. 2.
Pertiwi Maharani Uray. (2020) Application of Financial Technology and Increasing Financial Literacy for Strategies to Strengthen MSME Businesses in West Kalimantan. Journal of Accounting and Finance.
Saputri, C.N., & Rivai, A.R. (2022). The Influence of Ease of Use, Consumer Attitudes and Consumer Trust on Shopeepay E-Wallet Repurchase Intentions. Journal of Management & Business. Vol. 5.
Savitri, A., Purwanti, I., & Syamsuddin. (2022). The Influence of Trust, Benefits and Risks on Students' Decisions in Choosing E-Wallets (Case Study of FEBI IAIN Pekalongan Students). Sahmiyya Journal. Vol. 1
Saraswati, N. A. & Mardhiyah Ainun. (2022). The Impact of Comfort and Security Perceived on the Interest in Using Electronic Money Among Millennials. Journal of Business Administration (JBA). Entrepreneurship and Creative Industry. Vol. 1 No. 2.
https://www.bi.go.id/id/jasa/kas-bi/default.aspx, accessed on January 25 2024. 19.00 WIB
https://www.bi.go.id/id/rupiah/digital-rupiah/default.aspx , accessed on January 25 2024. 19.00 WIB
Karim, M. W., Ulfy, M. A., Haque, A., Hossain, M. A., & Anis, M. Z. (2020). Factors affecting the use of e-wallet as a payment method among Malaysian youth. Journal of International Business and Management. Vol. 3.
Khayyirah, S., Kurniawan, R. A., & Gemilang, S. G. (2022). Analysis of the use of non-cash payment instruments at the student level of Mataram State Islamic University in 2021/2022. Tadris Department of Social Sciences Journal. Vol. 13 No. 1.
Kencana Cahya, A. A. S. R & Kusuma Putu, S. A. J. (2023). The Influence of Price, Perception of Risk, and Promotion on Purchasing Decisions on Shopee E-Commerce. Scientific Journal of Management Accounting. Vol. 6 No. 1
Mahfuroh, R., & Wicaksono, A. P. (2020). Factors that Influence the Use of Linkaja Financial Technology as an Electronic Payment Tool. Scientific Journal of Management Accounting, Vol. 3 No. 2.
Mawardani, F., & Dwijayanti. (2021Impact of ease of use and cashback promotion perceived on student interest in using Shopeepay digital wallets in the Shopee app. Journal of Commerce Education. Vol. 9
Violinda, Q., & Khoirunnisya, N. V. (2022). Interesting Millennial Generation in Using Linkaja E-Wallet: Perspective of Perception and Behavior Theory. Journal of Management and Business Applications. Vol. 8.
Wahyuni, A. D., & Dahmiri. (2021). Trust and Risk Perception of Consumer Security and the Implications for Consumer Purchase Interest in the Shopee Marketplace, Jambi City. Journal of Applied Management and Finance. Vol. 10.
Aisyah. (2022). The Influence of Convenience, Usefulness, Risk and Security on Decisions to Use E-Wallets among the Millennial Generation in Wonogiri. Thesis. Surakarta: Faculty of Economics and Islamic Business, Universitas Islam Nageri Raden Mas Said, Surakarta.
Agustin Usfatul & Arief Mohammad. (2019). The Influence of Perceived Benefits and Perceived Convenience towards Attitude toward Using Internet Banking Services. Journal Faculty of Economics Universitas Negeri Malang.
Suhendry Wendy. (2021). Interest in Using E-Wallet Funds in Pontianak City. Journal of Management Economics. Vol. 7 No. 1.
Desvronita. (2021). Factors that Influence Interest in Using an E-Wallet Payment System Using the Technology Acceptance Model. Academic Journal Vol. 18.
Dien Ilham Gendy. (2018). The Influence of Convenience, Usefulness and Promotion of Electronic Money on Decisions to Use Electronic Money in Society. Thesis. Jakarta: Faculty of Economics and Business, Syarif Hidayatullah State Islamic University.
Heriyana. (2020). The Influence of Trust and Security on Students' Decisions in Online Shopping. Journal of Economics. Vol. 10.
Economic capacity building policy team of the TNP2K Secretariat, Demography Institute, Faculty of Economics and Business, University of Indonesia. First Edition, March 2021. NATIONAL TEAM FOR THE ACCELERATION OF POVERTY REDUCTION. MAPPING OF THE EMPOWERMENT PROGRAM FOR MICRO, SMALL AND MEDIUM ENTERPRISES (MSME’s). (www.tnp2k.go.id)
Ernawati Nopy, & Noersanti Lina(2020). THE INFLUENCE OF PERCEIVED BENEFITS, EASE OF USE AND BELIEVE IN INTEREST IN USING THE OVO APLICATION. Management Journal. Vol. 3 No. 2.
Pertiwi Maharani Uray. (2020) Application of Financial Technology and Increasing Financial Literacy for Strategies to Strengthen MSME Businesses in West Kalimantan. Journal of Accounting and Finance.
Saputri, C.N., & Rivai, A.R. (2022). The Influence of Ease of Use, Consumer Attitudes and Consumer Trust on Shopeepay E-Wallet Repurchase Intentions. Journal of Management & Business. Vol. 5.
Savitri, A., Purwanti, I., & Syamsuddin. (2022). The Influence of Trust, Benefits and Risks on Students' Decisions in Choosing E-Wallets (Case Study of FEBI IAIN Pekalongan Students). Sahmiyya Journal. Vol. 1
Saraswati, N. A. & Mardhiyah Ainun. (2022). The Impact of Comfort and Security Perceived on the Interest in Using Electronic Money Among Millennials. Journal of Business Administration (JBA). Entrepreneurship and Creative Industry. Vol. 1 No. 2.
https://www.bi.go.id/id/jasa/kas-bi/default.aspx, accessed on January 25 2024. 19.00 WIB
https://www.bi.go.id/id/rupiah/digital-rupiah/default.aspx , accessed on January 25 2024. 19.00 WIB
Karim, M. W., Ulfy, M. A., Haque, A., Hossain, M. A., & Anis, M. Z. (2020). Factors affecting the use of e-wallet as a payment method among Malaysian youth. Journal of International Business and Management. Vol. 3.
Khayyirah, S., Kurniawan, R. A., & Gemilang, S. G. (2022). Analysis of the use of non-cash payment instruments at the student level of Mataram State Islamic University in 2021/2022. Tadris Department of Social Sciences Journal. Vol. 13 No. 1.
Kencana Cahya, A. A. S. R & Kusuma Putu, S. A. J. (2023). The Influence of Price, Perception of Risk, and Promotion on Purchasing Decisions on Shopee E-Commerce. Scientific Journal of Management Accounting. Vol. 6 No. 1
Mahfuroh, R., & Wicaksono, A. P. (2020). Factors that Influence the Use of Linkaja Financial Technology as an Electronic Payment Tool. Scientific Journal of Management Accounting, Vol. 3 No. 2.
Mawardani, F., & Dwijayanti. (2021Impact of ease of use and cashback promotion perceived on student interest in using Shopeepay digital wallets in the Shopee app. Journal of Commerce Education. Vol. 9
Violinda, Q., & Khoirunnisya, N. V. (2022). Interesting Millennial Generation in Using Linkaja E-Wallet: Perspective of Perception and Behavior Theory. Journal of Management and Business Applications. Vol. 8.
Wahyuni, A. D., & Dahmiri. (2021). Trust and Risk Perception of Consumer Security and the Implications for Consumer Purchase Interest in the Shopee Marketplace, Jambi City. Journal of Applied Management and Finance. Vol. 10.
Bagian
Articles
