Open AccessMODELLING MICRO ENTERPRISES’ BEHAVIORAL INTENTION TO ADOPT INTEGRATED ISLAMIC CROWDFUNDING-MICRO ENTERPRISE (IICME) MODEL AS A SOURCE OF FINANCING IN EAST JAVA, INDONESIA
Author(s) -
Mohamed Asmy Mohd Thas Thaker,
Hassanudin Bin Mohd Thas Thaker
Publication year - 2019
Publication title -
east java economic journal/east java economic journal
Language(s) - English
Resource type - Journals
eISSN - 2830-2001
pISSN - 2597-8780
DOI - 10.53572/ejavec.v3i1.23
Subject(s) - java , business , technology acceptance model , micro enterprise , intervention (counseling) , islam , knowledge management , plan (archaeology) , marketing , field survey , usability , psychology , computer science , engineering , economics , economic growth , philosophy , theology , human–computer interaction , psychiatry , programming language , civil engineering , archaeology , history
The present study has proposed Integrated Islamic Crowdfunding-Micro Enterprise (IICME) model to assist micro enterprises in meeting their need to access external financial services in East Java, Indonesia. Upon the proposed model, this study examines the behavioural intention of micro enterprises to use IICME model. The primary data are collected from the survey administered to micro enterprises in the East Java (Pasuruan, Malang, Kediri, Ponorogo, and Gresik) and the analysis is conducted using Partial Least Squares (SmartPLS). Furthermore, the model has been validated its acceptance in the field by adopting the extended Technology Acceptance Model (TAM). This study has revealed that the perceived usefulness, perceived easy to use and perceived benefit are found to have a positive impact on the intention of micro enterprises to use IICME model, which later assist them to access to financial services in Indonesia. Furthermore, perceived easy to use has a positive relationship and direct effect with perceived usefulness of micro enterprises to use the IICME model. The findings of this study can be used to develop a specific framework in which to examine other components of using the IICME model’s behavior and to plan appropriate intervention strategies to increase financial accessibility by micro enterprises.
JEL: G23; M10