Proceedings of the 5th International Conference on Innovation in Education, Science, and Culture, ICIESC 2023, 24 October 2023, Medan, Indonesia

Research Article

The Effect of Financial Inclusion, Financial Literacy On Sharia Fintech Acceptance in SMEs Using the Technology Acceptance Model (TAM) in Medan City

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  • @INPROCEEDINGS{10.4108/eai.24-10-2023.2342369,
        author={Khairunnisa  Harahap and Akmal Huda  Nasution and Jumiadi  AW},
        title={The Effect of Financial Inclusion, Financial Literacy On Sharia Fintech Acceptance in SMEs Using the Technology Acceptance Model (TAM) in Medan City},
        proceedings={Proceedings of the 5th International Conference on Innovation in Education, Science, and Culture, ICIESC 2023, 24 October 2023, Medan, Indonesia},
        publisher={EAI},
        proceedings_a={ICIESC},
        year={2024},
        month={1},
        keywords={shariah fintech financial inclusion financial literacy and smes},
        doi={10.4108/eai.24-10-2023.2342369}
    }
    
  • Khairunnisa Harahap
    Akmal Huda Nasution
    Jumiadi AW
    Year: 2024
    The Effect of Financial Inclusion, Financial Literacy On Sharia Fintech Acceptance in SMEs Using the Technology Acceptance Model (TAM) in Medan City
    ICIESC
    EAI
    DOI: 10.4108/eai.24-10-2023.2342369
Khairunnisa Harahap1,*, Akmal Huda Nasution1, Jumiadi AW1
  • 1: Universitas Negeri Medan
*Contact email: Khairunnisa.Harahap@unimed.ac.id

Abstract

This paper aims to describe the effect of financial literacy and financial inclusion on Financial Technology (FinTech) sharia for SMEs in Indonesia with technology acceptance model (TAM). This study uses quantitative methods with analysis tools SEM PLS. The population in this study were SMEs in Medan City with data collection technique by conducting surveys by distributing questionnaires, literature studies, and FGD with Medan City SMEs observers. The results of the study show that there is a positive influence between Islamic financial literacy and financial inclusion on financial technology for SMEs in Medan City. Findings of the study reveal that Islamic FinTech's acceptance is determined by perceived ease of use and perceived usefulness as proxy. Financial Literacy influences the use of Sharia Fintech among MSMEs in Medan City and Financial Inclusion influences the use of Sharia Fintech among SMEs in Medan City. For further researchers, it is hoped that they can add variables or factors that affect financial literacy and Islamic financial inclusion, as well as what financial products they have owned and used.