Research Article
The Power of Adopting SMEs to Financial Services without Outlets (Laku Pandai) in the Era of the Digital Revolution in Salatiga City
@INPROCEEDINGS{10.4108/eai.21-10-2019.2294365, author={Edi Wijayanto and Sri Widiyati and Prihatiningsih Prihatiningsih}, title={The Power of Adopting SMEs to Financial Services without Outlets (Laku Pandai) in the Era of the Digital Revolution in Salatiga City}, proceedings={Proceedings of the 4th International Conference on Indonesian Social and Political Enquiries, ICISPE 2019, 21-22 October 2019, Semarang, Central Java, Indonesia}, publisher={EAI}, proceedings_a={ICISPE}, year={2020}, month={4}, keywords={smes laku pandai adoption strategy}, doi={10.4108/eai.21-10-2019.2294365} }- Edi Wijayanto
Sri Widiyati
Prihatiningsih Prihatiningsih
Year: 2020
The Power of Adopting SMEs to Financial Services without Outlets (Laku Pandai) in the Era of the Digital Revolution in Salatiga City
ICISPE
EAI
DOI: 10.4108/eai.21-10-2019.2294365
Abstract
This study aims to determine the adoption of SMEs to Financial Services without Outlets (Laku Pandai) and design strategies to increase the adoption power of business actors towards Laku Pandai. The research was conducted at SMEs in the Salatiga area. Number of respondents Number of samples taken in the study amounted to 100 customers and 10 smart behavior agents. Sampling is done in stages using the snow ball method. This sampling method obtained a sample through a rolling process from one respondent to another respondent. The steps in taking a sample are looking for a Laku Pandai agent, through the first Laku Pandai agent then to the next Laku Pandai agent according to information provided by the first agent, looking for a Laku Pandai sample (customer). The results show that trust does not make SMEs actors use Laku Pandai, but perceived of easy use, perceived use, consumer awareness, perceived risk, and social influence that affect the adoption of Laku Pandai. This has an impact on policies to formulate a strategy that is carried out by Laku Pandai in improving its performance, namely financing small and micro businesses, creating product innovations through mobile transactions, conducting training for agents and socializing to the public, protecting customers (regulations), cooperation with other broader institutions such as post offices or rural banks.