Abstract
This study aims to analyze the readiness of MSMEs in using digital payments to support business sustainability in terms of the level of risks and benefits of using digital payments, the facilities they have, the ability to use digital payments and the needs of MSMEs for digital payments along with the development of current technology. The data analysis technique used was descriptive qualitative data analysis technique with the stages of data analysis, namely the data documentation stage, data reduction, data display and drawing conclusions. The results of this study indicate that in general the respondents, namely MSME business actors, strongly agree to use e-money in carrying out company operations. The use of e-m money is considered effective to support the company's operational activities. Apart from that, the use of e-money provides overall usefulness. The use of e-money is likely to pose risks to its users, both time and cost risks. In addition to the risks to be faced, respondents have the assumption that the use of e-money will also face losses. The losses are not proportional to the benefits to be received in the future. This is reinforced by previous research which stated that several factors that influence someone to adopt technology in the form of using electronic money are security and confidentiality, usability benefits, user convenience, fun, trust and risk. Meanwhile, the use of digital payments is considered capable of supporting business sustainability.
Highlights
Pandemi COVID-19 memiliki dampak pada segala aspek termasuk dalam aspek ekonomi
−This study aims to analyze the readiness of MSMEs in using digital payments to support business sustainability in terms of the level of risks and benefits of using digital payments, the facilities they have, the ability to use digital payments and the needs of MSMEs for digital payments along with the development of current technology
The results of this study indicate that in general the respondents, namely MSME business actors, strongly agree to use e-money in carrying out company operations
Summary
Pandemi COVID-19 memiliki dampak pada segala aspek termasuk dalam aspek ekonomi. Dampak ini dapat menimbulkan terjadinya krisis ekonomi terutama di Indonesia. Tidak hanya itu dengan adanya pandemi ini semua pelaku UMKM juga dituntut untuk dapat memanfaatkan teknologi dalam hal financial technology untuk meningkatkan pendapatan yang dihasilkan. Hal ini sesuai dengan hasil penelitian yang dilakukan oleh Trimulato, 2020 yang menyatakan bahwa fintech syariah dapat menambahkan perananya bagi UMKM tidak hanya sekedar memberikan penyaluran pembiayan akan tetapi juga ikut mendorong perkembangan khususnya dalam hal pemasaran produk- produk yang dihasilkan UMKM. Adapun jika dibandingkan dengan hasil penelitian yang terdahulu sebagai suatu bahan perbandingan dan sebagai acuan, maka hasil penelitian yang dilakukan oleh Restriana Hadi Oktalasa (2019) Dengan judul, “Kesiapan Penggunaan Mobile Payment Gopay Pada Usaha Kecil Menengah (UKM) Menggunakan Technology-Organization-Environment (TEO) Framework, yang mana hasil dari penilitian ini yaitu, terkait dengan hasil evaluasi kesiapan pelaku UMKM dalam menggunakan digital payment Gopay dapat dikatakan cukup siap. Tujuan penelitian ini adalah untuk menganalisis kesiapan UMKM dalam menggunakan digital payment untuk menunjang keberlanjutan usaha jika dilihat tingkat risiko dan manfaat menggunakan digital payment, fasilitas yang dimiliki, kemampuan menggunakan dan kebutuhan UMKM terhadap digital payment bersamaan dengan berkembangnya teknologi saat ini
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