Analysis of the Readiness of Home-Based Industries to Adopt E-Money in Aceh Province, Based on the Unified Theory of Technology Acceptance

M. Saleh; M. Shabri Abd. Majid; Suriani

doi:10.61860/jigp.v4i3.377

Authors

M. Saleh Program Studi Ekonomi Pembangunan, Universitas Almuslim
M. Shabri Abd. Majid Universitas Syiah Kuala, Banda Aceh
Suriani Universitas Syiah Kuala, Banda Aceh

DOI:

https://doi.org/10.61860/jigp.v4i3.377

Abstract

The Fourth Industrial Revolution has driven various advancements in technology, one of which is marked by the emergence of the digital revolution that has impacted payment systems, including the use of electronic money (E-money) in financial transactions. The home industry plays a strategic role in supporting national economic development, where innovations in technology-based transaction systems have a significant impact on the sustainability and efficiency of their business activities. One of the rapidly developing innovations today is the use of e-money. The research method employed is a quantitative approach based on the UTAUT model. Data were collected through interviews and the distribution of questionnaires designed using a Likert scale, with questionnaire items based on the variables in the UTAUT model. Data analysis was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM) via the SmartPLS software. The results indicate that the intention to use e-money drives actual usage behavior. Ease of use and social influence enhance this intention, while perceived benefits have not yet emerged as a determining factor. Furthermore, facility support plays a crucial role in driving e-money usage within the home industry in Aceh.

Downloads

Download data is not yet available.

References

Aji, P. T., Zakarijah, M., & Soenarto. (2020). Faktor-Faktor yang Mempengaruhi Penerimaan dan Penggunaan E-Learning. Jurnal Pendidikan, 5(2), 191–198.

Anggoro, D. D., & Shofwah, A. F. (2024). Analisis Behavioral Intention Pada Penerapan Tax Monitoring Menggunakan Model UTAUT 2. Journal of Tax Policy, Economics, and Accounting, 2(1), 13–28.

Arango, C., Huynh, K., & Sabetti, L. (2011). How Do You Pay? The Role of Incentives at the Point-of-Sale. Bank of Canada.

Baptista, G., & Oliveira, T. (2015). Understanding mobile banking: The unified theory of acceptance and use of technology combined with cultural moderators. Computers in Human Behavior, 50, 418–430.

Cevik, S. (2020). Dirty money: Does the risk of infectious disease lower demand for cash? In IMF Staff Papers. https://www.elibrary.imf.org/view/journals/001/2020/255/article-A001-en.xml

Hafifah, L. L., Widya, N., Agung, I. G., & Dwi, P. (2022). Intention Dan User Behavior Pada Fintech Shopeepay Menggunakan Model Unified Theory Of Acceptance And Use Of Technology ( UTAUT ). Jurnal Akuntansi Bisnis, 15(2), 102–117. https://doi.org/10.30813/jab.v15i2.3574

Hair, J. F., Black, W. C., & Babin, B. J. (2023). Multivariate Data Analysis (8 (ed.)). Prentice Hall.

Hair, J. F., Sarstedt, M., Ringle, C. M., & Mena, J. A. (2012). An Assessment of the Use of Partial Least Squares Structural Equation Modeling. Journal of the Academy of Marketing Science, 40(3), 414–433.

Hasyim, F. (2022). Modification of UTAUT2 in assessing the use of E-money in Surakarta. Islamic Economics and Finance Journal, 1(2), 114–134.

Hoque, M. E., Susanto, P., Shah, N. U., Khatimah, H., & Mamun, A. A. (2023). Does perceived behavioral control mediate customers’ innovativeness and continuance intention of e-money? International Journal of Emerging Markets.

Junaidi, M. (2024). UMKM Hebat, Perekonomian Nasional Meningkat. Direktorat Jenderal Pembendaharaan Kementerian Keuangan Republik Indonesia.

LPPI, & Indonesia, B. (2015). Profil Bisnis Usaha Mikro, Kecil dan Menengah (UMKM) (A. Andryansah (ed.)). Bank Indonesia.

Mohamad, W., & Afthanorhan, A. (2014). A Comparison of PLS-SEM and CB-SEM for Confirmatory Factor Analysis. In International Journal of Engineering Science and Innovative Technology (Vol. 2, Issue 5). https://www.ijesit.com/Volume 2/Issue 5/IJESIT201305_27.pdf

Onaolapo, S., & Oyewole, O. (2018). Performance expectancy, effort expectancy, and facilitating conditions as factors influencing smartphones use. Interdisciplinary Journal of E-Skills and Lifelong Learning, 14, 95–115.

Palupi, S. (2021). Analisis Perumusan Strategi Pengembangan Bisnis Pada UMKM Kuliner. Brawijaya Knowledge Garden, 4(1), 117–123.

Putri, F. A., Anshori, S. R., Ilmi, P., & Fitri, H. (2025). Analisis Faktor Penghambat Adopsi Teknologi Digital pada UMKM di Era Transformasi Digital : Studi Kasus pada Warung Nenek. Jurnal Ikraith-Ekonomika, 8(3), 1626–1638.

Qu, B., Wei, L., & Zhang, Y. (2022). Factors affecting consumer acceptance of electronic cash in China: An empirical study. Financial Innovation, 8(1).

Rahmiati, & Susanto, P. (2020). Use behavior of E-money: Empirical analysis using the UTAUT model BT - Proceedings of the Sixth Padang International Conference on Economics Education, Economics, Business and Management, Accounting and Entrepreneurship.

Saleh, M., Musrizal, Fajri, R., & Syah, M. E. (2024). Pelatihan Kewirausahaan Digital Berbasis Kemitraan dalam Meningkatkan Kemandirian UMKM. Aceh Journal of Community Engagement, 3(2), 19–24.

Saleh, M., Rasyidin, M., Hamdani, & Afkar. (2024). Peningkatan Kapasitas Produksi dan Penjualan Produk Kelapa Gongseng Aceh. AJAD, 4(2), 400–407.

Saleh, M., Rasyidin, M., & Muttaqim, H. (2022). Analisis Pendapatan dan Nilai Tambah Industri Rumah Tangga Kelapa Gongseng. Arbitrase: Journal of Economics and Accounting, 2(3).

Sasra, L. A. (2025). Urgensi Mendorong Kapasitas UMKM Aceh. In JDIH BPK Perwakilan Aceh.

Sekarini, D. (2021). Faktor Penerimaan Pengguna Pada E-Learning Dari Perspektif Siswa Sekolah Dasar Berbasis UTAUT Model. JATISI, 8(4), 1693–1709.

Stewart, L. (2013). Technology Acceptance in Organizations. Kansas State University, 4(2).

Syakinah, F., Gumilar, I. R., & Merliyana, R. D. (2025). Pengaruh Performance Expectancy, Effort Expectancy, Dan Social Influence Terhadap Adopsi E-Commerce Di Kalangan Generasi Milenial. Jurnal Akuntansi, Manajemen Dan Ekonomi Islam, 8(1).

Triana, B., Suherman, U., & Pranata, R. M. (2025). Pengaruh Social Influence dan Facilitating Conditions Terhadap Behavioral Intention Pengguna e-wallet Abstrak. Jurnal Ekonomi, Manajemen, Dan Akuntansi, 11(3), 1611–1621.

Wang, F., & Hannafin, M. (2005). Design-based research and technology-enhanced learning environments. Educational Technology Research and Development, 53, 5–23.

Willis, A. L., Jimenez, Kester, A., Ong, M., & Gumasing, J. (2024). Analysis of sustainable E-money usage in a developing country. Acta Psychologica.

Yana, A. A. G. A., Rusdhi, H. A., & Wibowo, M. A. (2015). Analysis of Factors Affecting Design Changes in Construction Project with Partial Least Square (PLS). Procedia Engineering, 125, 40–45.