Analysis of Factors Affecting MSME in Using Fintech Lending as Alternative Financing: Technology Acceptance Model Approach
This study aims to determine factors impacting the intention of Micro, Small, and Medium Enterprises (MSMEs) in using fintech lending applications as an optional source of business financing using the technology acceptance model approach. The population in this study were MSMEs in Indonesia. Samples...
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| Format: | Article |
| Language: | English |
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FUCAPE Business School
2023-01-01
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| Series: | BBR: Brazilian Business Review |
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| Online Access: | http://www.redalyc.org/articulo.oa?id=123075340004 |
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| author | Arif Rahadian Hakiman Thamrin |
| author_facet | Arif Rahadian Hakiman Thamrin |
| author_sort | Arif Rahadian |
| collection | DOAJ |
| description | This study aims to determine factors impacting the intention of Micro, Small, and Medium Enterprises (MSMEs) in using fintech lending applications as an optional source of business financing using the technology acceptance model approach. The population in this study were MSMEs in Indonesia. Samples were taken by purposive sampling with the criteria of having used a licensed fintech lending application for business financing. The samples used were 171 samples. This study used structural equation model (SEM) as the analysis technique. The results of this study showed that Perceived Ease of Use had an impact on Perceived Usefulness but had no effect on Attitude Toward Using. The factor Perceived Usefulness had an effect on Attitude Toward Using, and Attitude Toward Using influences Behavioral Intention to Use. Fintech companies can play a role by providing education and empowerment to foster understanding of digital literacy for MSME stakeholders. The governments need to develop policy frameworks that can balance innovation and risk mitigation. |
| format | Article |
| id | doaj-art-f0e2715321db403fab78666ba007d8ec |
| institution | Kabale University |
| issn | 1807-734X |
| language | English |
| publishDate | 2023-01-01 |
| publisher | FUCAPE Business School |
| record_format | Article |
| series | BBR: Brazilian Business Review |
| spelling | doaj-art-f0e2715321db403fab78666ba007d8ec2025-02-06T23:39:34ZengFUCAPE Business SchoolBBR: Brazilian Business Review1807-734X2023-01-01203301322http://dx.doi.org/10.15728/bbr.2023.20.3.4.ptAnalysis of Factors Affecting MSME in Using Fintech Lending as Alternative Financing: Technology Acceptance Model ApproachArif RahadianHakiman ThamrinThis study aims to determine factors impacting the intention of Micro, Small, and Medium Enterprises (MSMEs) in using fintech lending applications as an optional source of business financing using the technology acceptance model approach. The population in this study were MSMEs in Indonesia. Samples were taken by purposive sampling with the criteria of having used a licensed fintech lending application for business financing. The samples used were 171 samples. This study used structural equation model (SEM) as the analysis technique. The results of this study showed that Perceived Ease of Use had an impact on Perceived Usefulness but had no effect on Attitude Toward Using. The factor Perceived Usefulness had an effect on Attitude Toward Using, and Attitude Toward Using influences Behavioral Intention to Use. Fintech companies can play a role by providing education and empowerment to foster understanding of digital literacy for MSME stakeholders. The governments need to develop policy frameworks that can balance innovation and risk mitigation.http://www.redalyc.org/articulo.oa?id=123075340004behavior financemsmesfintech lendingtechnology acceptance model |
| spellingShingle | Arif Rahadian Hakiman Thamrin Analysis of Factors Affecting MSME in Using Fintech Lending as Alternative Financing: Technology Acceptance Model Approach BBR: Brazilian Business Review behavior finance msmes fintech lending technology acceptance model |
| title | Analysis of Factors Affecting MSME in Using Fintech Lending as Alternative Financing: Technology Acceptance Model Approach |
| title_full | Analysis of Factors Affecting MSME in Using Fintech Lending as Alternative Financing: Technology Acceptance Model Approach |
| title_fullStr | Analysis of Factors Affecting MSME in Using Fintech Lending as Alternative Financing: Technology Acceptance Model Approach |
| title_full_unstemmed | Analysis of Factors Affecting MSME in Using Fintech Lending as Alternative Financing: Technology Acceptance Model Approach |
| title_short | Analysis of Factors Affecting MSME in Using Fintech Lending as Alternative Financing: Technology Acceptance Model Approach |
| title_sort | analysis of factors affecting msme in using fintech lending as alternative financing technology acceptance model approach |
| topic | behavior finance msmes fintech lending technology acceptance model |
| url | http://www.redalyc.org/articulo.oa?id=123075340004 |
| work_keys_str_mv | AT arifrahadian analysisoffactorsaffectingmsmeinusingfintechlendingasalternativefinancingtechnologyacceptancemodelapproach AT hakimanthamrin analysisoffactorsaffectingmsmeinusingfintechlendingasalternativefinancingtechnologyacceptancemodelapproach |