Perception on Usability and Risk of E-Business Platform for Women Managed Small and Medium Weaving Enterprises

I Gusti Ayu Purnamawati; I Gusti Bagus Baskara Nugraha

doi:10.23887/ijssb.v5i4.39512

Authors

I Gusti Ayu Purnamawati Universitas Pendidikan Ganesha
I Gusti Bagus Baskara Nugraha School of Electrical and Informatics Engineering, Institut Teknologi Bandung

DOI:

https://doi.org/10.23887/ijssb.v5i4.39512

Keywords:

e-business, risk, SMEs, weaving

Abstract

Rapid technological advances in information and communication technology have resulted in distance no longer a major problem in conducting business activities. Every individual and business actor is also carried away by the flow of having tools that can support their daily activities have been parts of the existence of technology. This study analyzes the effect of usability and risk perception in small and medium weaving enterprises (SMWE), which women manage, in using e-business, e.g., online shops, e-commerce, and marketplaces. We surveyed 43 SMWEs using questionnaires and interviews and selected the samples using the saturated sampling technique. Quantitative data was collected through a Likert scale and then analyzed using multiple linear regression. The study results show that usability positively affects the interest in using e-business in SMWEs. Meanwhile, the risk perception variable has a negative and significant direction. Usability makes it easier for individuals to understand and easy to get information in using e-business. The use of information systems can speed up work and provide flexibility in convenience. The risks faced by e-business users are transaction security and the uncertainty of the goods ordered. Perceived risk will hurt the individual’s intention to use the online store. This prediction arises based on logic if the higher risk on online transactions lacks necessary trust.

Author Biography

I Gusti Ayu Purnamawati, Universitas Pendidikan Ganesha

economic and accounting department

References

Adryanto, R. (2016). Pengaruh Kepercayaan, Persepsi Manfaat dan Persepsi Kemudahan Pengguna Terhadap Minat Beli di Toko Online. Universitas Yogyakarta, 19–26.

Ahmadi, C., & Hermawan, D. (2013). E-Business & E-Commerce. Andipublisher.

Alam, S. S., Ali, M. Y., & Jani, M. F. M. (2011). An Empirical Study Of Factors Affecting Electronic Commerce Adoption Among Smes In Malaysia / Veiksnių, Turinčių Įtakos Elektorinei Prekybai, Studija: Malaizijos Pavyzdys. Journal of Business Economics and Management, 12(2), 375–399. https://doi.org/10.3846/16111699.2011.576749.

Ali, R. M., Afzal, M. I., & Mahomed, A. S. B. (2020). The Role of Technology Acceptance Model on WhatsApp’s Official Usage in Malaysian HEIs. International Journal of Precision Technology, 8(5), 270–273. https://doi.org/10.35940/ijrte.D9725.018520.

Anisah, L. (2019). Analisis Faktor-Faktor Yang Memperngaruhi Penggunaan Website dan Aplikasi Shopee untuk Berbelanja Online Pada Mahasiswa Universitas Sanata Dharma. 9–40.

Aribowo, D. P., & Nugroho, M. A. (2013). Pengaruh Trust dan Perceived of Risk Terhadap Niat Untuk Bertransaksi Menggunakan E-Commerce. Nominal Barometer Riset Akuntansi Dan Manajemen, 2(1).

Biucky, S. T., Abdolvand, N., & Harandi, S. R. (2017). The Effects Of Perceived Risk On Social Commerce Adoption Based On The Tam Model. International Journal of Electronic Commerce Studies, 8(2), 173–196. https://doi.org/10.7903/ijecs.1538.

Budiastuti, A. D., & Muid, D. (2020). Analisis Faktor-faktor Pengaruh Minat Penggunaan Sistem Informasi Akuntansi Berbasis E-Commerce Pada Aplikasi Shopee Dengan Menggunakan Technology Acceptance Model (TAM). Diponegoro Journal Of Accounting, 9(4), 1–10.

Caldwell, N., Harland, C., Powell, P., & Zheng, J. (2013). Impact of e-business on perceived supply chain risks. Journal of Small Business and Enterprise Development, 20(4), 688–715. https://doi.org/10.1108/jsbed-12-2011-0036.

Chan, F. T. S., Yee-Loong Chong, A., & Zhou, L. (2012). An empirical investigation of factors affecting e-collaboration diffusion in SMEs. International Journal of Production Economics, 138(2), 329–344. https://doi.org/10.1016/j.ijpe.2012.04.004.

Chin, L. P., & Ahmad, Z. A. Bin. (2015). Perceived Risk As An Extension To TAM Model: Consumers’ Intention To Use A Single Platform E-Payment. Australian Journal of Basic and Applied Sciences, 9(2), 323–330.

Cho, Y. C., & Sagyn, E. (2015). Exploring Factors That Affect Usefulness, Ease Of Use, Trust, And Purchase Intention In The Online Environment. International Journal of Management & Information Systems, 19(1), 21–36.

Dachyar, M., & Banjarnahor, L. (2017). Factors influencing purchase intention towards consumer-to-consumer e-commerce. Intangible Capital, 13(5), 946–966. https://doi.org/0.3926/ic.1119.

Darmayanti, N. P., Purnamwati, I. A., & Prayudi, M. A. (2017). Pengaruh Pendekatan TeChnology Acceptance Model dan Faktor Sosial Terhadap Penerapan Sistem Informasi Keuangan Daerah Pada SKPD di Kabupaten Gianyar. E-Journal S1 Ak Universitas Pendidikan Ganesha, 8(2), 1–12.

Davis, F. D. (1986). Perceived Usefulness, Perceived Ease of Use and User Acceptence of Information Technology. MIS Quarterly, 13(5), 319–339.

Farzianpour, F., Pishdar, M., Shakib, M. D., & Toloun, M. R. S. H. (2014). Consumers’ Perceived Risk And Its Effect On Adoption Of Online Banking Services. American Journal of Applied Sciences, 11(1), 47–56. https://doi.org/10.3844/ajassp.2014.47.56.

Ghobakhloo, M., & Tang, S. H. (2013). The role of owner/manager in adoption of electronic commerce in small businesses the case of developing countries. Journal of Small Business and Enterprise Development, 20(4), 754–787.

Ghozali, I. (2011). Aplikasi Analisis Multivariate dengan Program IBM SPSS 19 (B. P. U. Diponegoro (ed.)).

Ghozali, Imam. (2011). Aplikasi Analisis Multivariate Dengan Program IBM SPSS 19 (5th ed.). Badan Penerbitan Universitas Diponegoro.

Grant, K., Edgar, D., Sukumar, A., & Meyer, M. (2014). “Risky business”: Perceptions of e-business risk by UK small and medium sized enterprises (SMEs). International Journal of Information Management, 34(2), 99–122. https://doi.org/10.1016/j.ijinfomgt.2013.11.001.

Hamdani, A. (2020). Pengaruh Lingkungan Keluarga, Pengetahuan, Kewirausahaan, Ekspektasi Pendapatan dan E-Commerce Terhadap Minat Berwirausaha Mahasiswa Akuntansi.

Harlan, D. (2014). Pengaruh Kemudahan Pengguna, Kepercayaan dan Resiko Persepsian Terhadap Minat Bertransaksi Menggunakan E-banking pada UMKM di Kota Yogyakarta. 13-37.

Herlan, & Yono. (2016). Pengaruh Persepsi Kemudahan, Penggunaan, Persepsi Kegunaan dan Pengalaman Terhadap Minat Wajib Pajak Menggunakan Sistem E-Filling. Accounting Journal, 5(2).

Laudon, K., & Laudon, J. (2014). Management Information Systems (13 ed.). England: Pearson: amanaging the digital frms.

Malonda, R. C., Tulung, J. E., & Arie, F. F. (2020). The Effect Of Technology Acceptance Model, Perceived Trust, Security, And Attitude Toward Ovo Usage. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 8(1), 401–410.

Mandilas, A., Karasavvoglou, A., Nikolaidis, M., & Tsourgiannis, L. (2013). Predicting Consumer’s Perceptions in On-line Shopping. Procedia Technology, 8, 435–444.

Mauludiyahwati, S. (2017). Pengaruh Kepercayaan, Keamanan, Kualitas Pelayanan dan Persepsi Resiko Menggunakan E-commerce Terhadap Keputusan Pembelian Online.

Nizar, M. A. (2017). Teknologi keuangan: Konsep dan Implementasi di Indonesia. Warta Fiskal Edisi V, Kementrian Keuangan.

Rahayu, R. W. (2018). Pengaruh Persepsi Manfaat, Persepsi Kemudahan, Persepsi Risko, dan Inovasi Teknologi Terhadap Aplikasi Go Pay Dari PT. Gojek Indonesia.

Rahmadi, H., & Malik, D. (2016). Pengaruh Kepercayaan dan Persepsi Risiko Terhadap Keputusan Pembelian E-commerce pada Tokopedia.com di Jakarta Pusat. Reformasi Administrasi, 3(1), 126–145.

Rahman, A., & Dewantara, R. Y. (2017). Pengaruh kemudahan Pengguna dan Kemanfaatan Teknologi Informasi Terhadap Minat Menggunakan Situs Jual Beli Online. Jurnal Administrasi Bisnis, 5(1).

Rahmawati, Y. D., & Yuliana, R. (2020). Pengaruh Persepsi Manfaat, Persepsi Kemudahan, dan Persepsi Keamanan Terhadap Keputusan Pengguna E-Wallet pada Mahasiswa Stie Bank BPD Jateng. Journal of Economics and Banking, 159.

Rodrigues, L. F., Oliveira, A., & Costa, C. J. (2016). Playing seriously – How gamification and social cues influence bank customers to use gamified e-business applications. Computers in Human Behavior, 63, 392–407. https://doi.org/10.1016/j.chb.2016.05.063.

Roztocki, N., Soja, P., & Weistroffer, H. R. (2019). The role of information and communication technologies in socioeconomic development: towards a multi-dimensional framework. Information Technology for Development, 25(2), 171–183. https://doi.org/10.1080/02681102.2019.1596654.

Saputri, R. (2020). Pengaruh Kepercayaan, Risiko Belanja dan Kemudahan Bertransaksi Terhadap Bertransaksi Daring (Online) di Tokopedia.

Sarli Rahman, F., & Yusrizal., S. (2020). Perceptions Of E-Customers For E-Business: Effects Of Covid-19 On Online Food Customer Perception Who Buys Through The E-Transportation Application. Journal of Archaeology of Egypt/Egyptology, 17(7), 6836–6855.

Shomad, A. C., & Purnomosidhi, B. (2016). Pengaruh Kepercayaan, Persepsi Kegunaan, Persepsi Kemudahan dan Persepsi Risiko Terhadap Penggunaan E-Commerce. Jurnal Ilmiah Mahasiswa FEB Universitas Brawijaya, 1(2).

Sugiyono. (2014). Metode Penelitian Kuantitatif Kualitatif Dan R&D. Alfabeta.

Triandini, E., Djunaidy, A., & Siahaan, D. (2013). Factors Influencing E-Commerce Adoption by SMES Indonesia: A Conceptual Model. Lontar Komputer, 4(3), 301–311.

Umar, T. I., & Idris, M. (2018). Influence of Social Media on Psychosocial Behaviour and Academic Performance of Secondary School Students. Journal Of Education & Entrepreneurship, 5(2), 36–46. https://doi.org/10.26762/jee.2018.40000013.

Utami, A. D., & Suwarno, A. E. (2017). Pengaruh Kepercayaan, Kemudahan, Manfaat, dan Resiko terhadap Minat Pembeli Untuk Menggunakan Sistem E-Commerce.

Wijayanto, G., Suryana, Y., Oesman, Y. M., & Helmi, A. (2019). The Influence of Self-concept in Using Credit Card on its Decision to Use. Journal of Management Information and Decision Sciences, 22(1), 1–10.

Wikarsa, L., & Angdresey, A. (2021). Using Technology Acceptance Model to Evaluate the Utilization of Kolintang Instruments Application. Jurnal Pekommas, 6(1), 33–41. https://doi.org/10.30818/jpkm.2021.2060104.

Yolanda, A., & Widijoko, G. (2016). Pengaruh Persepsi Manfaat, Persepsi Kemudahan, Persepsi Kenyamanan dan Norma Subjektif Minat Menggunakan Electronic Commerce(E-commerce). Jurnal Ilmiah Mahasiswa FEB Universitas Brawijaya, 2(2), 1–20.