Analisis Pengaruh Literasi Keuangan, Persepsi Kemanfaatan, dan Persepsi Kemudahan terhadap Minat UMKM di Kota Malang dalam Mengadopsi Platform Crowdfunding

Abstract

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This study aims to analyze the influence of Financial Literacy, Perceived Usefulness, and Perceived Ease of Use on the interest of Micro, Small, and Medium Enterprises (MSMEs) in Malang City in utilizing crowdfunding platforms as an alternative financing. This study uses a quantitative approach with a purposive sampling method in the selection of respondents. Data processing and analysis were carried out using the Partial Least Squares (PLS) approach. The results of the study show that: (1) Financial Literacy has a positive but not significant effect on interest in using crowdfunding platforms; (2) Perceived Usefulness also shows a negative influence that is not significant; and (3) Perceived Ease of Use has been proven to have a positive and significant effect on the interest in using crowdfunding platforms by MSMEs in Malang City