TECHNOLOGY ACCEPTANCE MODEL (TAM) DAN NIAT GENERASI MUDA UNTUK BERINVESTASI DI UMKM MELALUI PLATFOM SECURITIES CROWDFUNDING

Mohammad Asrofi, S.Fil., NIM.: 16840042 (2023) TECHNOLOGY ACCEPTANCE MODEL (TAM) DAN NIAT GENERASI MUDA UNTUK BERINVESTASI DI UMKM MELALUI PLATFOM SECURITIES CROWDFUNDING. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

This study aims to empirically test whether young Indonesians intend to use and invest in MSMEs through securities crowdfunding platforms.. This research is a descriptive quantitative research using SEM-PLS approach to analyze variables multivariately. Using the technology acceptance model (TAM) framework and adding new variables in the form of risk perception. The purposive sampling technique was used for sampling with respondents of students of the Faculty of Economics and Islamic Business UIN Sunan Kalijaga Yogyakarta ranging from Class of 2015 to Class of 2022. The number of samples obtained and can be analyzed is 178 people. Data processing using SmartPLS 4.0. The results of this study indicate that 4 of the 5 hypotheses proposed are accepted and there is 1 that is rejected. (1) Perceived convenience has a positive and significant effect on perceived usefulness, (2) perceived usefulness has a positive and significant effect on user attitudes, (3) perceived convenience has a positive effect on user attitudes, (4) perceived risk has a positive and significant effect on user attitudes, (5) attitudes have a positive effect on usage behavior. The findings of this study reveal that risk perception has no negative effect on user attitudes. This shows that the risk aversion theory that researchers use is not supported and shows that the younger generation of Indonesia, especially students of the Faculty of Economics and Islamic Business at UIN Sunan Kalijaga Yogyakarta, dare to take the risk of investing in securities crowdfunding platforms even though they are still immature and in the development stage.

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