Aryaningsih, Ni Komang (2020) PENGARUH PERSEPSI KEBERMANFAATAN, KEMUDAHAN PENGGUNAAN, RISIKO DAN PENGETAHUAN NASABAH TERHADAP PENGGUNAAN E-BANKING PADA UMKM DI KABUPATEN BULELENG. Undergraduate thesis, Universitas Pendidikan Ganesha.
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Abstract
E-banking merupakan contoh teknologi informasi perbankkan yang dapat memberikan berbagai manfaat untuk para pelaku UMKM. Tetapi kenyataannya penggunaan E-banking oleh pelaku UMKMmasih tergolong rendah. Penelitian.ini bertujuanaauntuk mengetahuiaapengaruh persepsi kebermanfaatan, persepsi kemudahan penggunaan, persepsi risiko dan pengetahuan nasabah terhadapaapenggunaan E-bankingaapada UMKM di Kabupaten Buleleng. Penelitianaaini menggunakanaametode kuantitatif denganaamenggunakan jenis dataaaprimer. Metode pengumpulan sampel yangaadigunakan yaituaametode probabilityasampling, yang dilakukan dengan teknik stratified randomasampling. Jumlahaasampel yang diperoleh menggunakan rumus solvin yaitu sebanyak 100 orang. Analisis dataaayang digunakanaadalam penelitianaaini yaitu:aanalisis statistikaadeskriptif, uji instrumenapenelitian, uji asumsiaklasik, dan ujiahipotesis. Hasil penelitian ini menunjukkanabahwa: 1) persepsiaakebermanfaatan berpengaruhaapositif signifikan terhadapaapenggunaan E-banking, 2) persepsi kemudahanaapenggunaan berpengaruhaapositif signifikanaaterhadap penggunaan E-banking, 3) persepsi risikoaaberpengaruh negatif signifikan terhadap penggunaanaaE-banking, dan 4) pengetahuan nasabah berpengaruhaapositif signifikan terhadapaapenggunaan E-banking. E-banking is an example of banking information technology that can provide various benefits for UMKMs players. But in fact the use of E-banking by UMKMs players is still low. Thisaastudy aimsato determine theaeffect of perceivedausefulness, perceived easeaaof use, risk perception and customer knowledge on the use of E-banking at UMKMs in Buleleng Regency. This researchaauses quantitativeaamethods usingaaprimary dataaatypes. The sample collection method used is probability sampling method, which is done by using stratified random sampling technique. The number of samples obtained using the Solvin formula is 100 people. Analysis of the data used inaathis study, namely: descriptiveastatistical analysis, research instrumentaatest, classicalaaassumption test, and hypothesisaatesting. The results ofathis studyaindicate that: 1) perceived usefulness hasaa significantapositive effectaon the use of E-banking, 2) perceived easeaof use has a significant positive effect on the use of E-banking, 3) perceived risk has a significant negative effect on the use of E-banking, and 4) knowledge customers haveaa significantapositive effect onathe use ofaE-banking.
| Item Type: | Thesis (Undergraduate) |
|---|---|
| Uncontrolled Keywords: | E-banking, Kebermanfaatan, Kemudahan, Pengetahuan dan Risiko |
| Subjects: | H Social Sciences > HA Statistics H Social Sciences > HE Transportation and Communications |
| Divisions: | Fakultas Ekonomi > Jurusan Ekonomi dan Akutansi > Program Studi Akuntansi (S1) |
| Depositing User: | Ni Komang Aryaningsih |
| Date Deposited: | 27 Oct 2020 07:11 |
| Last Modified: | 27 Oct 2020 07:11 |
| URI: | http://repo.undiksha.ac.id/id/eprint/4585 |
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