Pengaruh Kemanfaatan, Efektivitas, Dan Risiko Terhadap Minat Penggunaan E-Money Ovo Dalam Perspektif Ekonomi Islam
Abstract
This study aims to examine the influence of Benefit, Effectiveness, and Risk factors on interest in using e-money. The presence of e-money application technology can facilitate the economy of life in society. This study aims to find out whether the benefits, effectiveness, and risks have a significant effect on the use of OVO e-money in Indonesia. The population used is people who use the OVO application. The sample in this research is people who use the OVO application and the type of sampling in this study is purposive sampling. The number of samples in this study were 96 respondents who were calculated using the ancient rao formula. The results of the study show that partially usefulness has no significant effect on interest in using OVO e-money. Effectiveness has partially and significantly influenced the interest in using OVO e-money. Risk partially and significantly influences the interest in using OVO e-money, while knowledge, security, and risks simultaneously have a significant effect on the intention to use OVO e-money
Keywords: Expediency, Effectiveness, Risk and Intention to use
Abstrak
Penelitian ini bertujuan untuk menguji pengaruh dari faktor Kemanfaatan, Efektivitas, dan Risiko terhadap minat penggunaan e-money. Hadirnya teknologi aplikasi e-money dapat mempermudah perekonomian kehidupan di masyarakat. Penelitian ini ditujukan untuk mengetahi bahwa apakah Kemanfaatan, Efektivitas, dan risiko berpengaruh signifikan terhadap penggunaan e-money OVO di indonesia. Populasi yang digunakan yaitu masyarakat yang menggunakan aplikasi OVO. Sampel dalam penelitian ini adalah masyarakat pengguna aplikasi OVO dan jenis pengambilan sampel dalam penelitian ini purposive sampling. Jumlah sampel penelitian ini sebanyak 96 responden yang dihitung menggunakan rumus rao purba. Hasil penelitian menunjukkan Kemanfaatan secara parsial tidak berpengaruh signifikan terhadap minat penggunaan e-money OVO. Efektifitas secara parsial berpengaruh dan signifikan terhadap minat penggunaan e-money OVO. Risiko secara parsial berpengaruh dan signifikan terhadap minat penggunaan e-money OVO, sedangkan pengetahuan, keamanan, dan risiko secara simultan berpengaruh signifikan terhadap minat penggunaan e-money OVO
Kata Kunci: Kemanfaatan, Efektivitas, Risiko, dan Minat Penggunaan
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