Persepsi Kemudahan dan Kebermanfaatan dalam Penggunaan Aplikasi Simpan Pinjam Online di Koperasi Karunika: Studi Pendahuluan

Abstract

<p>Karunika is a cooperative at Universitas Terbuka (UT) which members consists of employees of UT. In February 2021, Karunika launched an online savings and loan application (aplikasi simpan pinjam online) to make it easier for members to make savings and loans. This preliminary study aims at collecting information about perceived ease of use and perceived usefulness in affecting attitudes and interest in using “simpan pinjam online” application at the Karunika Cooperative. This study is qualitative research which collect the data through documentation, observation, and interview. Documentation is carried out to collect information from secondary sources. Observation is made by accessing the application to gain experience. Interviews were conducted with 11 members of Karunika Cooperative to obtain information about the experience of application usage. Karunika members feel the ease and usefulness of using the application due to its accessibility and subjective norms. Karunika members are encouraged to have attitudes and intentions to use the application. Socialization of the application among members of Karunika is lack because the members are spread throughout Indonesia. This causes delays in finding information from experienced members. This research is expected to give contributions to the literature about the usage of information technology in cooperative. This research can be used as the basis for system improvement in Karunika Cooperative and inspire the use of “simpan pinjam online” applications in other cooperatives. For the future research development, the result of this study is also expected to be used to formulate a research instrument to capture the broader phenomenon of using information technology.</p>

The Roles of Subjective Norms and Accessibility in the Acceptance Model of Koperasi Karunika Online Application

“…In other words, even while employees find this application to be simple and helpful, their attitude about using it is unaffected because there may lack of beliefs among the members of Karunika in the successfulness of utilizing the application. This is in accordance with [43] study which interviews members of Karunika and found that almost all of senior members feel that they did not have a positive attitude toward the use of application, although they know that the use of the application is easy. Therefore, the fifth hypothesis is not supported.…”

“…There are many factors that can impact the attitude, makes the PEOU less important to form the positive attitude toward the application. Moreover, the older members of Karunika stated that they have a hesitation of whether they can be succeed in utilizing such application [43] In addition, the overall results of this study confirm TAM model proposed by [32]. However, this study has some limitations.…”

“…The sampling method used in this research was purposive random sampling with following criteria: 1) member of Koperasi Karunika; 2) have accessed and own the accessibility to the online saving and loan application. [43] revealed the factors that shape perceptions regarding accessibility, subjective norms, usability, and ease of using online saving and loan applications at the Koperasi Karunika. After the interviews were conducted [43], the writers determined the main ideas generated based on the interview transcripts to select the main ideas as the basis for compiling the questionnaire that would be used in this research.…”

“…[43] revealed the factors that shape perceptions regarding accessibility, subjective norms, usability, and ease of using online saving and loan applications at the Koperasi Karunika. After the interviews were conducted [43], the writers determined the main ideas generated based on the interview transcripts to select the main ideas as the basis for compiling the questionnaire that would be used in this research. The steps of activities carried out include: a) Questionnaires were distributed to members of the Koperasi Karunika via google form link; b) Respondents who filled out the questionnaire were given the reward; c) Data tested using SEM PLS.…”