PELATIHAN PEMEDIASI PADA PENGARUH PERSEPSI KEMUDAHAN DAN MANFAAT TRANSAKSI E-WALLET TERHADAP PENDAPATAN UMKM KOTA MALANG
Abstract
Tujuan dari penelitian ini adalah 1) untuk mengetahui pengaruh Persepsi Kemudahan terhadap Pendapatan UMKM di Kota Malang, 2) Untuk mengetahui pengaruh Persepsi Manfaat terhadap Pendapatan UMKM di Kota Malang, 3) Untuk mengetahui apakah Pelatihan dapat memediasi pada pengaruh Persepsi Kemudahan dan Manfaat terhadap Pendapatan UMKM di Kota Malang. Populasi penelitian ini terdiri dari pelaku UMKM dan Konsumen Kota Malang dengan jumlah 200 responden. Sampel pada penelitian ini adalah 200 sedangkan kuesioner yang kembali berjumlah 108 responden. Jenis penelitian ini adalah kuantitatif dengan teknik penentuan sampel menggunakan teknik probability sampling. Sumber data pada penelitian ini adalah data primer, sedangkan Metode pengumpulan data dilakukan dengan kuesioner Google Dokument. Data dianalisis dengan menggunakan Partial Least Square (PLS). Variabel dependen dari penelitian ini adalah Pendapatan UMKM dan Pelatihan. sedangkan variabel independen meliputi Persepsi Kemudahan dan Persepsi Manfaat. Berdasarkan dari rumusan masalah, tujuan penelitian, serta analisis data yang dilakukan, maka Hasil penelitian ini adalah; 1) Persepsi Kemudahan tidak memberikan pengaruh terhadap Pendapatan UMKM Kota Malang; 2) Persepsi Manfaat memberikan pengaruh terhadap Pendapatan UMKM Kota Malang; 3) Pelatihan pemediasi pada pengaruh Persepsi Kemudahan dan Manfaat memberikan pengaruh terhadap Pendapatan UMKM Kota Malang.
Keywords
References
A, Ibrahim P, And Nasir Zameer. 2018. “Effect Of Cashless Economy On Micro, Small And Medium Enterprises (Msmes): A Study From Indian Perspective.” Journal Of Entrepreneurship And Management 7 (1): 1–7.
Altara, Kezia Putri, And Eko Triyanto. 2023. “Analisis Faktor-Faktor Yang Mempengaruhi Minat Penggunaan E-Wallet (Studi Kasus Pada Mahasiswa Akuntansi Stie Surakarta.” Jurnal Cakrawala Ilmiah 2 (8): 3205–20. Https://Doi.Org/10.53625/Jcijurnalcakrawalailmiah.V2i8.5514.
Anttiroiko, Ari-Veikko, Markus Laine, And Henrik Lönnqvist. 2020. “City As A Growth Platform: Responses Of The Cities Of Helsinki Metropolitan Area To Global Digital Economy.” Urban Science 4 (4): 1 21. Https://Doi.Org/10.3390/Urbansci4040067.
Apriani, Ari, And Nur Endah Retno Wuryandari. 2022. “Determinants Of Intention To Adopt E-Wallet: Considerations For Msmes Going Digital.” Journal Of Management And Business Innovations 4 (02): 7. Https://Doi.Org/10.30829/Jombi.V4i02.13448.
Fan, Mingyue, Sikandar Ali Qalati, Muhammad Aamir Shafique Khan, Syed Mir Muhammad Shah, Muhammad Ramzan, And Raza Saleem Khan. 2021. “Effects Of Entrepreneurial Orientation On Social Media Adoption And Sme Performance: The Moderating Role Of Innovation Capabilities.” Plos One 16 (4 April 2021): 1–24. Https://Doi.Org/10.1371/Journal.Pone.0247320.
Hasanah, Ismiatul. 2024. “Manfaat Dan Bahaya Mobile Payment Bagi Umkm Bakso Aci.” Researchgate, No. April: 1–9. Https://Doi.Org/10.13140/Rg.2.2.28419.72481.
Hung, Ngo Thai. 2021. “Green Investment, Financial Development, Digitalization And Economic Sustainability In Vietnam: Evidence From A Quantile-On-Quantile Regression And Wavelet Coherence.” Technological Forecasting & Social Change, No. Xxxx: 1 16.
Istanti, Enny, R M Bramastyo Kn, And Achmad Daeng Gs. 2021. “Efforts To Empower Msmes In Panci Village In Increasing Family Income ( Study On Msmes In Panci Village In Porong District , Sidoarja Regency ).” International Journal Of Economics, Bussiness And Accounting Research (Ijebar) 2021 (2): 497–504.
Karim, Md Wasiul, Ahasanul Haque, Mohammad Arije Ulfy, Md Alamgir Hossain, And Md Zohurul Anis. 2020. “Factors Influencing The Use Of E-Wallet As A Payment Method Among Malaysian Young Adults.” Journal Of International Business And Management 3 (2): 1–11.
Kartawinata, Budi Rustandi, Candra Wijayangka, Hanansa R Dabinda, And Salma Aprilia. 2020. “Analisis Perkembangan Usaha Mikro, Kecil Dan Menengah (Umkm) Sebelum Dan Sesudah Memperoleh Pembiayaan Dari Lembaga Keuangan Syariah.” Eco-Buss 2 (2): 22–29. Https://Doi.Org/10.32877/Eb.V2i2.108.
Kumar Meher, Bharat, And Abhishek Kumar Gupta. 2020. “Substantial Effect Of Digital Banking In The Growth Of Msmes In India (A Case Study Of Katihar District In Bihar).” Studies In Indian Place Names (Ugc Care Journal 40 (56): 941.
Lijoka, Oluwaseun. 2022. “Epartment Of Information Technology.” Apsley Business School London. Https://Doi.Org/10.13140/Rg.2.2.16235.21286.
Limanseto, Haryo. 2023. “Dorong Umkm Naik Kelas Dan Go Export, Pemerintah Siapkan Ekosistem Pembiayaan Yang Terintegrasi.” Kementerian Koordinator Bidang Perekonomian Republik Indonesia. 2023. Https://Www.Ekon.Go.Id/Publikasi/Detail/5318/Dorong-Umkm-Naik-Kelas-Dan-Go-Export-Pemerintah-Siapkan-Ekosistem-Pembiayaan-Yang-Terintegrasi.
Mahdy, Emiral. 2012. “Analisis Pengaruh Locus Of Control Dan Kompleksitas Tugas Audit ( Studi Pada Auditor Internal Pemerintah Yang Bekerja Pada Inspektorat Provinsi Jawa Tengah).” Universitas Diponegoro.
Marti, Luisa, And Rosa Puertas. 2023. “Analysis Of European Competitiveness Based On Its Innovative Capacity And Digitalization Level.” Technology In Society 72 (January): 102206. Https://Doi.Org/10.1016/J.Techsoc.2023.102206.
Maulida, Sri, And Agatha Almadina. 2023. “Do E-Commerce And E-Wallets Matter Forincreasing Marginalized Entrepreneurs’ Income?” Internastional Journal Of Zakat 8 (2): 83–96.
Miethlich, Boris, Denis Belotserkovich, Samira Abasova, Elena Zatsarinnaya, And Oleg Vselitsky. 2020. “Digital Economy And Its Influence On Competitiveness Of Countries And Regions.” Revista Espasidos 41 (12): 20.
Mutrofin, Khuriyatul, Adam Nur Muhammad, And Mahmud Mahmud. 2021. “Peran Umkm Dalam Mempertahankan Ekonomi Jawa Timur Selama Pandemic Covid – 19.” Jurnal Manajemen 1 (2): 1–10.
Naomi, Fiona Pappano, And I Made Dedy Priyanto. 2020. “Perlindungan Hukum Pengguna E-Wallet Dana Ditinjau Dari Undang-Undang Perlindungan Konsumen.” Kertha Semaya : Journal Ilmu Hukum 9 (1): 24. Https://Doi.Org/10.24843/Ks.2020.V09.I01.P03.
Naufalin, Lina Rifda, Aldila Krisnaresanti, Jaryono, Tohir, Adi Indrayanto, And Dadang Iskandar. 2022. “Digital Financial Literacy On The Batik Smes In Banyumas.” International Journal Of Economics, Business And Management Research 06 (07): 223–38. Https://Doi.Org/10.51505/Ijebmr.2022.6716.
Nazri, Muhamad Azrin, Nur Shuhada Kamarudin, Agus Salim, And Asriati Asriati. 2023. “Scan-Barcode Transaction Growth Of Fnb Msmes In Indonesia And Malaysia (Growth Of Msme Fnb Scan-Barcode Transactions In Indonesia And Malaysia).” I-Iecons E-Proceedings, 426–30. Https://Doi.Org/10.33102/Iiecons.V10i1.122.
Osakwe, Christian Nedu, And Titus Chukwuemezie Okeke. 2016. “Facilitating Mcommerce Growth In Nigeria Through Mmoney Usage: A Preliminary Analysis.” Interdisciplinary Journal Of Information, Knowledge, And Management 11 (2016): 115–39. Https://Doi.Org/10.28945/3456.
Pardiman, Pardiman, Jeni Susyanti, Dwi Fita Heriyawati, Zuhkhriyan Zakaria, And Masyhuri Masyhuri. 2022. “Impact Of Financial Capital, Social Capital, And Business Digitalization On Business Sustainability Of Smes In Indonesia.” Jurnal Manajemen Dan Pemasaran Jasa 15 (1): 69–82. Https://Doi.Org/10.25105/Jmpj.V15i1.13114.
Pusporini, Bernadin, And Yudi Nur Supriadi. 2022. “The Use Of E-Wallets During The Covid-19 Pandemic On Msmes In Depok City.” Jurnal Ekonomi 11 (03): 2022. Http://Ejournal.Seaninstitute.Or.Id/Index.Php/Ekonomi.
Putri, Aulia Mutiara Hatia. 2023. “Jumlah Umkm Capai 8,71 Juta, Bisa Jadi ‘Tameng’ Resesi?” Research@Cnbcindonesia.Com. 2023. Https://Www.Cnbcindonesia.Com/Research/20230207115843-128-411724/Jumlah-Umkm-Capai-871-Juta-Bisa-Jadi-Tameng-Resesi.
Rachmawati, Tri Nadhila, And Tantina Hzryati. 2021. “Pengaruh Pemahaman Perpajakan, Tingkat Penghasilan, Kesadaran Wajib Pajak Terhadap Kepatuhan Wajib Pajak.” Jurnal Senapan 1 (1.1): 418–29.
Rosnidah, Ida, Arinal Muna, Ayatullah Michael Musyaffi, And Nelia Fariani Siregar. 2019. “Critical Factor Of Mobile Payment Acceptance In Millenial Generation: Study On The Utaut Model.” International Symposium On Social Sciences, Education, And Humanities 306: 123–27. Https://Doi.Org/10.2991/Isseh-18.2019.30.
Saputra, Cahya, And Sentot Imam Wahjono. 2024. “Manfaat Dan Bahaya Mobile Payment Bagi Umkm.” Researchgate, No. April: 1–15.
Sarkisian, Larysa. 2020. “Creating The Growth Potential Of Global Cities In The Context Of Digitalization.” Journal O F E U Ro P E A N E C Onomy 19 (June): 341–54.
Sholihin, Mahfud, And Dwi Ratmono. 2021. Analisis Sem-Pls Dengan Warppls 7.0 Untuk Hubungan Nonlinier Dalam Penelitian Sosial Dan Bisnis. Edisi 2. Yogyakarta: Penerbit Andi.
Soraya, Risnande Dwi, Mahmudah Hasanah, Ananda Setiawan, And Monry Fraick Nicky G.R. 2023. “Efektivitas Pelatihan Digital Marketing Terhadap Peningkatan Volume Penjualan Umkm Kuliner Di Kota Banjarmasin.” Economic And … 5: 424–44. Http://Ejurnal.Budiutomomalang.Ac.Id/Index.Php/Ecoducation/Article/View/3857%0ahttp://Ejurnal.Budiutomomalang.Ac.Id/Index.Php/Ecoducation/Article/Download/3857/2106.
Sugiyono. 2019. Metode Penelitian Kuantitatif Kualitatif Dan R&D. Edited By Sutopo. Kedua. Bandung: Anggota Ikatan Penerbit Indonesia (Ikapi).
Sumani, Sumani, And Ignatius Bryan Prasetya. 2022. “The Effect Of Financial Technology On The Performance Of Micro, Small, And Medium Businesses.” Review Of Management And Entrepreneurship 6 (1): 51–72. Https://Doi.Org/10.37715/Rme.V6i1.2442.
Supriyanto, Achamad Sani, And Vivin Maharani Ekowati. 2013. Metodologi Penelitian Manajemen Sumber Daya Manusia. Malang: Uin Maliki Press.
Sydorovych, Olena, Oksana Perchuk, Mariana Fedyk, Svitlana Klymenko, Igor Matviy, Liudmyla Chupryna, And Igor Yaremko. 2021. “Digitization Of The Financial System In The World Economy.” Ijcsns International Journal Of Computer Science And Network Security 21 (12): 611 619. Https://Doi.Org/10.22937/Ijcsns.2021.21.12.84.
Undang-Undang Republik Indonesia Nomor 20 Tahun. 2008. “Undang-Undang Republik Indonesia Nomor 20 Tahun 2008,” No. 1.
Usman, Usman. 2021. “Analisis Faktor-Faktor Yang Mempengaruhi Pendapatan Driver Go-Ride Pada Masa Pandemi Covid-19 Di Gorontalo.” Al-Buhuts 17 (1): 35–51. Https://Doi.Org/10.30603/Ab.V17i1.2234.
Vardomatskya, Ludmila, Valentina Kuznetsova, And Vladimir Plotnikov. 2021. “The Financial Technologies Transformation In The Digital Economy.” E3s Web Of Conferences 244: 1–8. Https://Doi.Org/10.1051/E3sconf/202124410046.
Zhao, Hongxia, Hongyang Chen, Huijuan Zhao, Ying Lu, And Jianhua Zhu. 2023. “What Business Environment Element Configuration Can Promote Urban Digitization Development?” Environment, Development And Sustainability, No. 0123456789: 1 22.
DOI: 10.34203/jimfe.v11i1.11422
Refbacks
- There are currently no refbacks.
Copyright (c) 2025 The Author(s)
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
Submission Guidelines
Author Guidelines
Email the author 
