Financial technology dalam koperasi : Dimensi sosio ekonomi dan dimensi kinerja yang diharapkan (performance expectancy) nasabah
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Abstract
This research aims to analyze the socio-economic dimensions and performance
expectations that affect customers using cooperative fintech. This research was carried
out at Credit Union Mekar Kasih, which already uses fintech and serves a wide area in
South and West Sulawesi. The sample amounted to 200 respondents with a simple random
sampling technique. Data collection did by survey method. Data were analyzed using PLSStructural Equation Modeling (SEM). The results show that the socio-economic
dimensions that affect customers using fintech in cooperatives are revenue, occupation,
space or distance of the customer's domicile with financial institutions, and education. The
socio-economic dimension can be shortened to ROSE. The dimensions of performance
expectancy that affect the use of fintech include cost efficiency (cost efficiency), residual
income (residual income), ability to disburse loans/liquidity (ability to disburse loans),
time efficiency, and environmentally friendly/paperless). The performance dimension of
customer expectations is abbreviated to CRATE. The use of fintech is seen based on
transaction traffic, the number of users, and changes in the structure of outstanding loans
and bad loans.
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