Analisis keandalan, kepastian dan penerimaan teknologi terhadap penggunaan kartu kredit pemerintah
Article Sidebar
Main Article Content
Abstract
Electronic transactions in government operational activities are carried out strictly and comply with regulations on both sides, namely financial transaction regulations regulated by government authorities and state financial management regulations. Strict management of electronic transactions, especially government credit cards, is carried out to prevent fraud, create reliable financial reports and protect against the risk of loss to the apparatus and the state. This study aims to analyze the factors that influence the interest in using KKP by government officials. The method used in this research is quantitative method using online questionnaires to credit card users who work in government units/organizations in the territory of Indonesia. Researchers used the Partial Least Squares (PLS) approach with Smart PLS to test the above assumptions based on SEM. The results of this study indicate that the p value <0.05 with a positive beta value which indicates that the good reliability of government credit cards will affect the effectiveness of user satisfaction. So that the reliability and certainty of government credit cards affect user satisfaction. In addition, it is known that the satisfaction of government credit card users is able to strengthen the relationship between perceived convenience and perceived usefulness.
Article Details
References
AL-Qawasmi, K., AL-Mousa, M., & Yousef, M. (2020). Proposed e-payment process model to enhance quality of service through maintaining the trust of availability. International Journal of Emerging Trends in Engineering Research, 8(6), 2296–2300.
Asyrafil, S. A., Indriani, J. D., & Triana, M. (2022). Pengaruh sumber daya manusia, pemanfaatan teknologi informasi, dan pengendalian intern akuntansi terhadap keterandalan pelaporan keuangan pemerintah daerah pada SKPD Pemerintah Kota Bukittinggi. Jurnal Ekonomi, 24(2), 99–110. https://doi.org/10.47896/je.v24i2.487
Barua, Z., Aimin, W., & Hongyi, X. (2017). A perceived reliability-based customer satisfaction model in self-service technology. The Services Industries Journal, 38(7–8), 1–21. https://doi.org/10.1016/j.tourman.2019.03.007
Chaveesuk, S., Khalid, B., & Chaiyasoonthorn, W. (2021). Digital payment system innovations: A marketing perspective on intention and actual use in the retail sector. Innovative Marketing, 17(3), 109–123. https://doi.org/10.21511/im.17(3).2021.09
Hair, J. F., Risher, J. J., Sarstedt, M., & Ringle, C. M. (2018). The results of PLS-SEM article information. European Business Review, 31(1), 2–24.
Hair, J., Hollingsworth, C. L., Randolph, A. B., & Chong, A. Y. L. (2017). An updated and expanded assessment of PLS-SEM in information systems research. Industrial Management and Data Systems, 117(3), 442–458. https://doi.org/10.1108/IMDS-04-2016-0130
Harits, T. M. (2021). Konflik norma dalam pengaturan kartu kredit pemerintah. Jurist-Diction, 4(2), 759. https://doi.org/10.20473/jd.v4i2.25788
Harjono Padmono Putro. (2022). Harmonization of communication channels: The impact of IT governance on organizational interactions. Jurnal Ilmiah Multidisiplin Indonesia (JIM-ID), 1(02), 75–81. https://doi.org/10.58471/esaprom.v1i02.3539
Idehlu, H. A., Sadeghabad, A. J., & Pagheh, B. (2019). Increasing the efficiency and effectiveness of government organizations with the contracts of salary payment on the basis of consequence and outcome. International Journal of Innovative Technology and Exploring Engineering, 8(11), 2443–2445. https://doi.org/10.35940/ijitee.K1393.0981119
Maulid, L. C., & Sudibyo, Y. A. (2020). Kartu kredit pemerintah sebagai alat pembayaran belanja negara di Indonesia: permasalahan dan solusi. Akuntabel, 17(2), 301–313.
Peraturan Menteri Keuangan Republik Indonesia Nomor 196/PMK.05/2018 tentang Tata cara pembayaran dan penggunaan kartu kredit pemerintah, Pub. L. No. 198/PMK.05/2018 (2018).
Putro, H. P. (2022). Aligning IT governance with organizational communication strategies for enhanced connectivity. Jurnal Komputer Indonesia (Ju-Komi), 1(01), 28–35. https://jurnal.seaninstitute.or.id/index.php/jukomi/article/view/383
Putro, H. P., & Rusadi, U. (2022). Structure-agent relationship in social construction process an implementation of election information system in Indonesia. Unkris.
Rahi, S., Abd.Ghani, M., & Hafaz Ngah, A. (2019). Integration of unified theory of acceptance and use of technology in internet banking adoption setting: Evidence from Pakistan. Technology in Society, 58(February), 101120. https://doi.org/10.1016/j.techsoc.2019.03.003
Sengupta, D., & Shastri, N. (2019). Digital payments through PFMS - Facilitating digital inclusion and accelerating transformation to a “Digital Economy.” PervasiveHealth: Pervasive Computing Technologies for Healthcare, Part F1481, 196–201. https://doi.org/10.1145/3326365.3326391
Sriyani, S., Samudra, I. K. B., & Syahputra, B. D. A. (2022). Implementasi kartu kredit pemerintah pada kantor pelayanan perbendaharaan Negara Amlapura. Jurnal Manajemen Retail Indonesia, 3(1), 70–85. https://doi.org/10.33050/jmari.v3i1.2166
Sulaeman, A. S., & Dwinanda, R. R. (2021). Manajemen kas pemerintah: implementasi kartu kredit pemerintah dalam pembayaran belanja negara. Jurnal Riset Dan Aplikasi: Akuntansi Dan Manajemen, 5(2), 187–198. https://doi.org/10.33795/jraam.v5i2.005
Sumanjeet, S. (2009). Emergence of payment systems in the age of electronic commerce: the state of art. Asia Pacific Journal of Finance and Banking Research, 3(3), 18–40.
Susanto, E., Solikin, I., & Purnomo, B. S. (2022). A review of digital payment adoption in asia. Advanced International Journal of Business, Entrepreneurship and SMEs, 4(11), 01–15. https://doi.org/10.35631/aijbes.411001
Sutiono, A. S. (2021). Analisis persepsi bendahara pengeluaran atas aspek kepentingan dan kinerja pengguna dan mitra perbankan dalam penerapan kartu kredit pemerintah. Jurnal Manajemen Perbendaharaan, 2(1), 17–34. https://doi.org/doi.org/10.33105/jmp.v2i1.372
Wijayanti, F. (2020). Efektifitas dan efisiensi pengelolaan keuangan sekaligus meminimalisir moral hazard pengelola keuangan negara melalui implementasi kartu kredit pemerintah. Jurnal Otonomi, 20(2), 267–274.