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All Journal Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Akuisisi : Jurnal Akuntansi Jurnal Kajian Akuntansi JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen Jurnal Akademi Akuntansi (JAA) Studi Kasus Inovasi Ekonomi BERNAS: Jurnal Pengabdian Kepada Masyarakat Jurnal Pengabdian dan Peningkatan Mutu Masyarakat (JANAYU) Jurnal Pengabdian Kepada Masyarakat Radisi
Muhammad Wildan Affan
Universitas Muhammadiyah Malang
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Neuroscience Nursing Public Health Social Sciences Veterinary Other

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Journal : Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal

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Perilaku UMKM Dalam Menggunakan Fintech: Fokus Regulatory dan Mitigasi Risiko Muhammad Wildan Affan; Aviani Widyastuti
Jurnal Aplikasi Bisnis dan Manajemen (JABM) Vol. 8 No. 1 (2022): JABM Vol. 8 No. 1, Januari 2022
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.8.1.100

Abstract

The purpose of this research is to evaluate the use of fintech by conducting a study of the behavior of MSME actors, both that focus on promotion and focus on prevention of risk mitigation in the use of fintech. Data collected using a questionnaire with respondents who use MSME using fintech (payment). This study analyzes the data using the Structural Equation Model (SEM) by going through two stages of data analysis, namely evaluating the measurement model and testing the hypotheses that are built. The results showed that traits that focused on promotion would always try to choose risk while traits that focused on prevention would try to avoid risks. The risk mitigation of fintech carried out by users will increase according to the willingness of MSME actors to use fintech. So in other words, the higher the risk, the individual character that focuses on promotion and focuses on prevention will affect the intention to use fintech. Keywords: promotion focus, focus prevention, risk mitigation, fintech, MSME
Co-Authors Agnesia Ruli Ayu Rahmawati Agustin Dwi Hariyanti Aviani Widyastuti Dwi Irawan Lutfia Fitroh Insani Novitasari Agus Saputri Tasyahadul Fadlatil Laili