Faktor Penentu Sikap Penggunaan Platform Pembayaran Digital bagi Pelaku Usaha Mikro Kecil Kreatif
DOI:
https://doi.org/10.32493/skt.v6i1.22420Keywords:
Creative Micro Small Business, Digital Payment Platform, AttitudeAbstract
Penelitian ini dilakukan untuk mengisi kekosongan dari penelitian sebelumnya mengenai digitalisasi Usaha Mikro Kecil dan Menengah (UMKM). Digitalisasi UMKM pada penelitian sebelumnya kebanyakan berbicara dari perspektif pemangku kebijakan. Penelitian ini hadir untuk menggali faktor penggunaan Platform pembayaran digital dari sisi pelaku Usaha Mikro Kecil (UMK) kreatif itu sendiri. Metode yang digunakan adalah purposive sampling dengan memperhatikan sample jenuh. Hasil penelitian didapatkan tiga hal yang menjadi faktor rendahnya penggunaan platform pembayaran digital bagi UMK kreatif. Ketiga faktor tersebut adalah literasi keuangan, infrastruktur, dan literasi digital. Temuan penting selanjutnya adalah hal penting pemicu ketiga faktor yang disebutkan adalah tingkat pendidikan rendah dari pelaku UMK Kreatif
This research was conducted for research from previous research regarding the digitization of Micro, Small and Medium Enterprises (MSMEs). The digitization of MSMEs in previous studies mostly spoke from the perspective of policy makers. This research is here to find factors in the use of digital payment platforms from the side of creative Micro Small Business (UMK) actors themselves. The method used is purposive sampling by paying attention to saturated samples. The results of the study found three factors that contributed to the low use of digital payment platforms for creative MSEs. The third factor is financial literacy, infrastructure, and digital literacy. The next important finding is the important thing that triggers the three factors mentioned is the low level of education of Creative UMK actors.
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