PENGARUH FINANCIAL LITERACY,TRUST DAN UTAUT FRAMEWORK TERHADAP ADOPSI FINANCIAL TECHNOLGY UMKM DI KECAMATAN PEDAMARAN

P, PAJAR (2026) PENGARUH FINANCIAL LITERACY,TRUST DAN UTAUT FRAMEWORK TERHADAP ADOPSI FINANCIAL TECHNOLGY UMKM DI KECAMATAN PEDAMARAN. S-1 thesis, 021008 Universitas Tridinanti.

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Abstract

ABSTRAK PAJAR.Pengaruh Financial Literacy, Trust dan UTAUT Framework Terhadap Adopsi Financial Technology UMKM di Kecamatan Pedamaran. Penelitian ini bertujuan untuk menganalisis pengaruh Performance Expectancy, Effort Expectancy, Social Influence, Financial Literacy, dan Trust terhadap Behavioral Intention, serta pengaruh Facilitating Conditions dan Behavioral Intention terhadap Technology Use pada adopsi financial Mtechnology oleh UMKM di Kecamatan Pedamaran. Penelitian menggunakan pendekatan kuantitatif. Populasi penelitian adalah 1.635 UMKM di Kecamatan Pedamaran, dengan sampel sebanyak 150 responden yang dipilih menggunakan teknik non-probability sampling dengan metode purposive sampling. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan SmartPLS 4 melalui pengujian model pengukuran dan model struktural. Hasil pengujian menunjukkan bahwa Performance Expectancy, Effort Expectancy, Social Influence, Financial Literacy, dan Trust berpengaruh positif dan signifikan terhadap Behavioral Intention. Behavioral Intention juga berpengaruh positif dan signifikan terhadap Technology Use. Sebaliknya, Facilitating Conditions tidak berpengaruh signifikan terhadap Technology Use. Hasil ini menunjukkan bahwa niat penggunaan merupakan faktor penting dalam mendorong penggunaan fintech secara nyata oleh UMKM di Kecamatan Pedamaran. Kata kunci: Financial Literacy, Trust, UTAUT, Financial Technology, UMKM. ABSTRACT PAJAR. The Influence of Financial Literacy, Trust, and the UTAUT Framework on the Adoption of Financial Technology by SMEs in Pedamaran District. This study aims to analyze the influence of Performance Expectancy, Effort Expectancy, Social Influence, Financial Literacy, and Trust on Behavioral Intention, as well as the influence of Facilitating Conditions and Behavioral Intention on Technology Use, within the context of financial technology (fintech) adoption by MSMEs in Pedamaran District. A quantitative research approach was employed. The study population consists of 1,635 MSMEs in Pedamaran District, with a sample of 150 respondents selected via non-probability sampling—specifically, purposive sampling. Data were collected through questionnaires and analyzed using SmartPLS 4, involving both measurement model and structural model assessments. The results indicate that Performance Expectancy, Effort Expectancy, Social Influence, Financial Literacy, and Trust have a positive and significant effect on Behavioral Intention. Furthermore, Behavioral Intention has a positive and significant effect on Technology Use. Conversely, Facilitating Conditions do not have a significant effect on Technology Use. These findings suggest that the intention to use is a crucial factor in driving the actual adoption of fintech by MSMEs in Pedamaran District. Keywords: Financial Literacy, Trust, UTAUT, Financial Technology, MSMEs

Item Type:	Thesis (S-1)
Subjects:	H Social Sciences > HC Economic History and Conditions
Divisions:	Fakultas Ekonomi > S1 Akuntansi
Depositing User:	Tn P PAJAR
Date Deposited:	28 Oct 2026 03:04
Last Modified:	28 Oct 2026 03:04
URI:	http://repository.univ-tridinanti.ac.id/id/eprint/11659

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