ANALYSIS OF THE SOCIO-ECONOMIC EFFECT AND PERFORMANCE EXPECTANCY ON THE USE OF FINANCIAL TECHNOLOGY APPLICATIONS

Kussujaniatun, Sri and Sujatmika, Sujatmika and Laksana, Dwi Hari and Hartati, Anis Siti (2022) ANALYSIS OF THE SOCIO-ECONOMIC EFFECT AND PERFORMANCE EXPECTANCY ON THE USE OF FINANCIAL TECHNOLOGY APPLICATIONS. Russian Journal of Agricultural and Socio-Economic Sciences, 132 (12). pp. 68-72. ISSN 2226-1184

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Official URL: https://rjoas.com/issue-2022-12/

Abstract

This study aims to analyze the socio-economic dimensions and performance expected by
customers in using Kredit Adil Cooperative application fintech, Sakti.link. This research was
carried out at the Kredit Adil Cooperative in Dlingo, Bantul, the only cooperative that has
used fintech and serves areas spread across Bantul. Data was collected by survey method
on 200 respondents with purposive sampling technique. The data analysis technique used
Structural Equation Modeling (SEM) PLS. The results show that the socio-economic effect
that affect customers using fintech in cooperatives are income, occupation, the distance
(space) of the customer's domicile with financial institutions, and education (education). The
variable of performance expectancy that affect the use of fintech include cost efficiency,
residual income, ability to disburse loans/liquidity (ability to disburse loans), time efficiency
(time efficiency), and environmentally friendly (paperless). The use of fintech is seen based
on transaction traffic, the number of users, and changes in the structure of outstanding loans
and bad loans.
KEY WORDS
Socio-economics, performance expectations, financial technology

Item Type:	Article
Uncontrolled Keywords:	Socio-economics, performance expectations, financial technology
Subjects:	H Social Sciences > H Social Sciences (General)
Depositing User:	DRA,M.Si SRI KUSSUJANIATUN
Date Deposited:	04 May 2023 02:14
Last Modified:	04 May 2023 02:15
URI:	http://eprints.upnyk.ac.id/id/eprint/34872

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