Factors That Influence Community Interest In Using E-Money

Muhammad Ali Qodar (IAIN Kudus, Indonesia)
Isna Nor Rahmatiyah (IAIN Kudus, Indonesia)
Kharis Fadlullah Hana (IAIN Kudus, Indonesia)

Abstract


E-money in Indonesia can be said to be the slowest compared to other countries such as Hong Kong and Singapore. In Indonesia, E-Money itself was only known by the public in 2007, while in other countries such as Hogkong and Singapore, E-Money is already familiar with E-Money compared to Indonesia. The purpose of this study is to reveal what factors make people interested in using E-Money. This research uses a descriptive qualitative method. By using the interview method. Collecting data through interviews with the people of Kudus city who use E-Money. The results of this study reveal that people use E-Money seen from factors such as convenience, security, trust, and service features that have a very positive effect on the use of E-Money in the Kudus city community. The conclusions of this study indicate that interest in using E-Money is influenced by the factors of Ease, Trust, Security, and Service Features. The most influential of the four factors is the ease of using E-Money..

 

Keywords: Interests Using E-Money, E-Money, Ease Factor


Full Text:

PDF

References


Artina, Nyimas. 2021. “The Influence of Perceived Benefits, Perceptions of Ease, Trust and Service Features on the Level of Customer Satisfaction in Using E-Money in Palembang City.” Jurnal Ilmiah Ekonomi Dan Bisnis Universitas Multi Data Palembang 11 (1): 120–31.

Artini. 2019. “Faktor-Faktor Yang Mempengaruhi Minat Penggunaan Uang Elektronik Pada Aplikasi OVO (Studi Kasus Pada Mahasiswa Ekonomi Islam Ta 2016-2017 UIN SUMATERA UTARA).” UIN SUMATRA UTARA MEDAN.

bagus Mutiara Fajar, Lutfiyani, Titik Mirati. 2019. “Exploring the Factors Influencing Interest in Using Ovo in Grab Customers Other Students Surakarta Faculty of Economics and Islamic Business.” Academica (Journal of Multidisciplinary Studies) 3 (1).

Damayanti, Armia Rizky. 2021. “The Influence of Service Quality and Features on Interest in Continuous Use of Mobile Banking BRIS with Satisfaction as an Intervening Variable in FEBI IAIN Ponorogo Students.”

Daya, Pengaruh, Tarik Promosi, Kemudahan Penggunaan, Keamanan Terhadap, Minat Penggunaan, and Jati Handayani. 2021. “STATE POLYTECHNIC STUDENTS OF SEMARANG” 9 (2): 173–83.

Glady, Jovlin Evrodita, and Rinny Rantung. 2020. “Determinant Analysis Of Intention To Use E-Money Among Millennials Using UTAUT.” Klabat Journal of Management 1 (1): 90–104. https://doi.org/10.31154/kjm.v1i1.451.90-104.

Insana, Dwi Rorin Mauludin, and Ria Susanti Johan. 2021. “Analysis of the Influence of the Use of Electronic Money on Consumptive Behavior of Students.” Relasi : Jurnal Ekonomi 17 (2): 413–34. https://doi.org/10.31967/relasi.v17i2.494.

Islahudin, Ma’ruf. 2022. “Interview Respondent 4.”

Kadir, Abdul. 2008. Introduction to Information Systems First Edition. Yogyakarta: Andi Offset. https://doi.org/10.13140/2.1.2637.6328.

Khusna, aftina nurul. 2022. “Interview Respondent 3.”

Lailin Ni’mah. 2022. “Interview Respondent 1.”

Nisa, Nurul Izzatun, and Muhamad Mustaqim. 2021. “Decision to Use Electronic Money in the Era of the Covid-19 Pandemic in the Kudus Community.” BISNIS : Jurnal Bisnis Dan Manajemen Islam 9 (2): 335. https://doi.org/10.21043/bisnis.v9i2.13083.

Rahmatika, Ula, and Muhammad Andryzal Fajar. 2019. “Factors Affecting Interest in Using Electronic Money: Integration of the Tam – Tpb Model with Perceived Risk.” Nominal: Barometer Riset Akuntansi Dan Manajemen 8 (2): 274–84. https://doi.org/10.21831/nominal.v8i2.26557.

Rahmawati, Dyah Ika, and Martha Suhardiyah. 2020. “Analysis of Factors Affecting Students in E-Money Selection.” Majalah Ekonomi 2 (3): 1–11.

Ratu, Intan Kesuma, Muhammad Iqbal Fasa, and Suharto. 2022. “Increased Server-Based Electronic Money Payment Transactions During the Covid-19 Pandemic Based on Sharia Perspective.” An-Nisbah: Jurnal Perbankan Syariah 3 (1): 63–82. https://doi.org/10.51339/nisbah.v3i1.405.

Rosyada, Ashlihatur. 2022. “Interview Respondent 2.”

Sari, Dewi Permata. 2021. “Analysis of the Effect of Convenience, Trust and Risk Responses on Customer Satisfaction in Using E-Money at PT. Bank Sumut Kc Syariah Medan.” Jurnal Ilmiah Mahasiswa Pendidikan Agama Islam [JIMPAI] 1 (4): 1–15.

Sari, Ika. 2019. “Effect of Ease, Benefits, Use of Technology, Service Features and Security, on Interest in Using E-Money with Attitude of Use as an Intervening Variable (Study on BCA Flazz e-Money Users at Bank BCA Syariah Semarang).” IAIN Salatiga, 1–180.

Suwarni, Enung. 2021. “The Impact of Increasing the Number of Circulating Electronic Money (E-Money) on Indonesia’s Economic Growth During the Covid-19 Pandemic.” Prosiding Seminar Sosial Politik, Bisnis, Akuntansi Dan Teknis (Sobat), 195–212. https://doi.org/10.32897/sobat3.2021.18.

Wicaksono, Agus. 2022. “Interview Respondent 5.”




DOI: https://doi.org/10.24952/jiftech.v1i2.6672

Refbacks

  • There are currently no refbacks.


Copyright (c) 2022 Muhammad Ali Qodar, Isna Nor Rahmatiyah, Kharis Fadlullah Hana

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

                

  : jiftech@uinsyahada.ac.id     

Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan
Jalan T. Rizal Nurdin Km. 4,5 Sihitang Padangsidimpuan, Sumatera Utara,  Indonesia