PENGARUH RELIGIUSITAS TERHADAP INTENSI UMKM MENGGUNAKAN FINTECH SYARIAH DI KOTA PONTIANAK: INTEGRASI TAM–TPB
Abstract
Pertumbuhan fintech syariah membuka alternatif pembiayaan dan layanan pembayaran bagi UMKM, namun adopsinya tidak hanya ditentukan oleh manfaat teknologi, melainkan juga oleh faktor sosial dan religius. Tujuan penelitian ini menganalisis faktor-faktor yang mempengaruhi intensi UMKM menggunakan fintech syariah di Kota Pontianak dengan mengintegrasikan Technology Acceptance Model (TAM) dan Theory of Planned Behavior (TPB), serta menambahkan religiusitas. Adapun metode pendekatan yang di lakukan ialah kuantitatif melalui survei kuesioner pada 78 pelaku UMKM, data dianalisis menggunakan regresi linear berganda dengan pengujian validitas dan reliabilitas instrumen. Hasil Subjektif norm, perceived usefulness, perceived behavioral control, dan attitude toward behavior berpengaruh positif signifikan terhadap intensi; perceived ease of use tidak berpengaruh signifikan. Religiusitas berpengaruh negatif signifikan terhadap intensi menggunakan fintech syariah. Implikasi dari temuan ini mengindikasikan perlunya strategi literasi dan komunikasi kepatuhan syariah yang lebih meyakinkan bagi UMKM, serta penguatan desain layanan yang relevan dengan kebutuhan usaha.
Keywords:
Fintech Syariah, Agama, TAM, TPB, SPSS
References
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Rehman, A., & M.S, S. (2010). The Relationship Between Religiosity And New Product Adoption. Journal of Islamic Marketing, 1(1), 63–69.
Rifaldi, M. (2021). The Role of Religiosity in Explaining the Intention to use Islamic FinTech Amongst MSME Actors. International Journal of Islamic Economics and Finance (IJIEF), 4(2), 207–232.
Riza, A. F. (2019). Customer acceptance of digital banking in Islamic bank: Study on millennial generation. Proceeding of Conference on Islamic Management, 66–74. https://journal.uii.ac.id
Safitri, T. A. (2020). The Development of Fintech in Indonesia. 666–670. https://doi.org/10.2991/assehr.k.200529.139
Santosa, R., & Sinasri, A. (2015). Analisis Religiusitas, Pemahaman Produk dan Sistem Pembiayaan Syariah dengan Sikap Pengusaha.
Sulaeman. (2021). Factors determining behavioral intentions to use Islamic crowdfunding platform in times of Covid-19 in Indonesia: Evidence from TAM approach. Jurnal Ekonomi & Keuangan Islam, 7(1), 31–44.
Taylor, S., & Todd, P. A. (1995). Understanding information technology usage: A test of competing models author. Information Systems Research, 6(2), 144–176.
Undang-Undang No.20, 2008. (t.t.). Tentang Usaha Mikro, Kecil dan Menengah (UMKM) (hlm. 2008) [LN.2008/No.93, TLN No.4866, LL SETNEG: 20 HLM].
Venkatesh, Viswanath, & Bala, H. (2008). Technology acceptance model 3 and a research agenda on interventions. Decision Sciences, 39(2), 273–315. https://doi.org/10.1111/j.1540-%25205915.2008.00192.x
Wang, Z. et al. (2019). What determines customers’ continuance intention of Fintech? Evidence from YuEbao. Ind Manag Data System, 119(8), 1625–1637. https://doi.org/10.1108/IMDS-%2001-%202019-%200011
Wang, J., C., & Chang, C., H. (2013). How online social ties and product-related risks influence purchase intentions: A Facebook experiment. Electronic Commerce Research and Applications, 12(5), 337–346. https://doi.org/10.1016/j.elerap.2013.03.003
Wibowo, P. (2017). Digital revolution: What it means for Indonesian business. McKinsey &Company. https://www.mckinsey.com/featuredinsights/asia- pacific/digital-revolution- what-itmeans-for-indonesian-business#
Ajzen, I. (2005). Attitudes, personality and behavior. Open University Press.
Ajzen, I., & Fishbein, M. (1980). Understanding attitudes and predicting social behaviour. Englewood Cliffs, NJ.: PrenticeHall.
Al-Okaily, M., Luti, A., Alsaad, A., Taamaneh, A., & Alsyouf, A. (2020). The determinants of digital payment systems’ acceptance under cultural orientation diferences: The case of uncertainty avoidance. Technol Soc 63:101367.
Amalia, S. N. A. (2018). Faktor-Faktor Yang Mempengaruhi Minat Individu Terhadap Financial Technology (FinTech) Syariah (Paytren) Sebagai Salah Satu Alat Transaksi Pembayaran. Iqtishaduna, 9(1), 57–73.
Anshori, A., & Anwari, M. K. (2022). Model Penerimaan Teknologi (TAM) Terhadap Intensi Menggunakan Teknologi Keuangan (FINTECH) UMKM Kota Pontianak. Jurnal Produktivitas, 9, 236–241.
Aziza, M., O. (2019). The influence of perceived usefulness, ease of use, behavioral control, security and trust towards the behavioral intention to use Go-Pay (A case study on accounting students in Universitas Brawijaya. Jurnal Ilmiah Mahasiswa FEB Universitas Brawijaya, 8(2).
Briliana, V., & Mursito, N. (2017). Exploring antecedents and consequences of Indonesian Muslim Youths’ attitude towards halal cosmetic products: A case study in Jakarta. Asia Pacific Management Review, 22(4), 176–184. https://doi.org/10.1016/j.apmrv.2017.07.012
Chuang, L.-M., Liu, C.-C., & Kao, H. K. (2016). The adoption of Fintech Service: TAM Perspective. International Journal of Management and Administrative Sciences (IJMAS), 3(07), 1–15.
Darmansyah, Fianto, B.A, H., & A.Aziz, P. F. (2020). Factors determining behavioral intentions to use islamic financial technology: Three competing models. Journal of Islamic Marketing. https://doi.org/10.1108/JIMA-12-2019-0252
David, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly: Management Information Systems, 13(3), 319–340. https://doi.org/doi:10.2307/249008
Dorfleitner, G., Hornuf, L., Schmitt, M., & Weber, M. (2017). Definition of Fintech and Description of the Fintech Industry; Fintech in Germany. Springer, Cham.
Fadilah, N., S., Ririn, T., R., & Shafinar, I. (2020). The Effect of Religiosity and Trust on Intention to Pay In Ziswaf Collection Through Digital Payments. JEBIS: Jurnal Ekonomi dan Bisnis Islam., 6(1), 98–115.
Hidayat, W., K., & Dedi, W. (2019). The Impact Of Service Quality, Technology Acceptance and Religiosity on The Selection of Islamic Bank and FinTech-Investigating The Stagnation of Indonesian Islamic Banking. ICONISTECH. https://doi.org/10.4108/eai.11-7-%25202019.2297564
Hsueh, S. C., & Kuo, C. H. (2017). Effective Matching for P2P Lending by Mining Strong Association Rules. In Proceedings of the 3rd International Conference on Industrial and Business Engineering, 30–33.
Jerene, W., & Sharma, D. (2020). The adoption of financial technology in Ethiopia: A study of bank customers perspective. Journal of Banking and Financial Technology, 4(1), 53–63. https://doi.org/53-%252063.%2520Doi:10.1007/s42786-020-00015-0.
Jukri, B., et. al. (2023). Understanding The Drivers of Interest in Fintech Adoption: Examining The Moderating Influence of Religiosity. Jurnal Aplikasi Manajemen dan Bisnis, 9(3), 695–705. http://dx.doi.org/10.17358/jabm.9.3.695.
Khan, S. A., & Qianli, D. (t.t.). Does national scale economic and environmental indicators spur logistics performance? Evidence from UK. Environmental Science and Pollution Research, 2017. https://doi.org/10.1007/s11356-017-0222-9
Khibran, M. (2019). An investigation toward purchase intention of Halal beef from traditional market: A TPB perspective. Asian Journal of Islamic Management, 1(1), 1–12. http://dx.doi.org/10.20885/ajim.vol1.iss1.art1
Majid, R., & Herti, M. (2022). Fintech and MSMEs: The role of product knowledge. Asian Journal of Islamic Management (AJIM), 4(1), 15–24.
Muhammad, R., & Riza, F. (2022). The effect of sharia supervision effectiveness and financial performance on Islamic banking efficiency in Indonesia. Int. J. Trade Glob. Markets, 15(3), 377–390. Scopus. https://doi.org/10.1504/IJTGM.2022.124094
Mukhtar, A., & Mokhsin, B. M. (2012). Intention to choose Halal products: The role of religiosity. Journal of Islamic Marketing, 3(2), 108–120. https://doi.org/10.1108/17590831211232519
Muslichah, I., & Sanusi, S. (2019). The effect of religiosity and financial literacy on intention o use Islamic banking products. Asian Journal of Islamic Management (AJIM), 1(2), 85–92. https://doi.org/10.20885/ajim.vol1.iss2.art2
Niswah, Mutmainah, F., M, L., & Legowati, D., A. (2019). Muslim millenials’ intention of donating for charity using fintech platform. Journal of Islamic Monetary Economics and Finance, 5(3), 623–644. https://doi.org/10.21098/jimf.v5i3.1080
Nurdin, N., & Yusuf, K. (2020). Knowledge management lifecycle in islamic bank; the case of syariah banks in Indonesia. International Journal of Knowledge Management Studies, 11(1), 59–80. https://doi.org/10.1504/ijkms.2020.105073
Nurul, M., & Ningrat, R. G. (2019). Adopsi Teknologi Muslim, Sikap, Dan Intensi Pembelian Produk Investasi Islam Menggunakan Financial Technology. JEBA (Journal of Economics and Business Aseanomics), 3(2), 155–175. https://doi.org/10.33476/jeba.v3i2.958
P.Gomber, J.A, K., & M, S. (2017). Digital Finance and FinTech: Current research and future research conditions,. J. Buss. Econ, 87(5), 537–580. https://doi.org/doi%252010.1007/s11573-017-0852-x
Rehman, A., & M.S, S. (2010). The Relationship Between Religiosity And New Product Adoption. Journal of Islamic Marketing, 1(1), 63–69.
Rifaldi, M. (2021). The Role of Religiosity in Explaining the Intention to use Islamic FinTech Amongst MSME Actors. International Journal of Islamic Economics and Finance (IJIEF), 4(2), 207–232.
Riza, A. F. (2019). Customer acceptance of digital banking in Islamic bank: Study on millennial generation. Proceeding of Conference on Islamic Management, 66–74. https://journal.uii.ac.id
Safitri, T. A. (2020). The Development of Fintech in Indonesia. 666–670. https://doi.org/10.2991/assehr.k.200529.139
Santosa, R., & Sinasri, A. (2015). Analisis Religiusitas, Pemahaman Produk dan Sistem Pembiayaan Syariah dengan Sikap Pengusaha.
Sulaeman. (2021). Factors determining behavioral intentions to use Islamic crowdfunding platform in times of Covid-19 in Indonesia: Evidence from TAM approach. Jurnal Ekonomi & Keuangan Islam, 7(1), 31–44.
Taylor, S., & Todd, P. A. (1995). Understanding information technology usage: A test of competing models author. Information Systems Research, 6(2), 144–176.
Undang-Undang No.20, 2008. (t.t.). Tentang Usaha Mikro, Kecil dan Menengah (UMKM) (hlm. 2008) [LN.2008/No.93, TLN No.4866, LL SETNEG: 20 HLM].
Venkatesh, Viswanath, & Bala, H. (2008). Technology acceptance model 3 and a research agenda on interventions. Decision Sciences, 39(2), 273–315. https://doi.org/10.1111/j.1540-%25205915.2008.00192.x
Wang, Z. et al. (2019). What determines customers’ continuance intention of Fintech? Evidence from YuEbao. Ind Manag Data System, 119(8), 1625–1637. https://doi.org/10.1108/IMDS-%2001-%202019-%200011
Wang, J., C., & Chang, C., H. (2013). How online social ties and product-related risks influence purchase intentions: A Facebook experiment. Electronic Commerce Research and Applications, 12(5), 337–346. https://doi.org/10.1016/j.elerap.2013.03.003
Wibowo, P. (2017). Digital revolution: What it means for Indonesian business. McKinsey &Company. https://www.mckinsey.com/featuredinsights/asia- pacific/digital-revolution- what-itmeans-for-indonesian-business#
Published
2026-01-09
How to Cite
Anwari, M., & Primayudia, D. (2026). PENGARUH RELIGIUSITAS TERHADAP INTENSI UMKM MENGGUNAKAN FINTECH SYARIAH DI KOTA PONTIANAK: INTEGRASI TAM–TPB. Jesya (Jurnal Ekonomi Dan Ekonomi Syariah), 9(1), 57-68. https://doi.org/https://doi.org/10.36778/jesya.v9i1.2499
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Articles
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