DETERMINASI MINAT MENGGUNAKAN FINTECH SYARIAH UMKM CIAMIS: INTEGRASI LITERASI DIGITAL DAN PERSEPSI KEMUDAHAN

Abstract

This study aims to analyze and empirically test the effect of Islamic financial digital literacy and perceived ease of technology use, both partially and simultaneously, on the interest in adopting Islamic fintech among Micro, Small, and Medium Enterprises (MSMEs) in Ciamis Regency. The research approach used is causal associative quantitative. The population in this study amounted to 42,000 MSME units with a sample of 100 respondents determined through the Slovin formula using purposive sampling technique. Data collection was conducted using a Likert scale questionnaire. Data analysis was performed through classical assumption tests, multiple linear regression analysis, and hypothesis testing using IBM SPSS software. The results showed that partially, Islamic financial digital literacy had a positive and significant effect on adoption interest (t = 2.879; sig = 0.005). Similarly, the perceived ease of technology use proved to have a partial positive and significant effect (t = 11.257; sig = 0.000). Simultaneously, both variables significantly influenced the interest in adopting Islamic fintech (F = 94.860; sig = 0.000). The R Square value of 0.662 indicates that the contribution of Islamic financial digital literacy and perceived ease of technology use in explaining variations in Islamic fintech adoption interest in Ciamis Regency is 66.2%, while the remaining 33.8% is explained by other variables outside this research model. The conclusion of this study confirms that the readiness of Islamic cognitive capacity and the practicality of the application are the main determinants driving digital financial inclusion in the local MSME ecosystem.