Technology Acceptance Model and Risk Benefit Perception on Food Online Purchase in SMEs
DOI:
https://doi.org/10.24256/kharaj.v7i2.7432Keywords:
SMEs, Online Purchase, Technology Acceptance Model, Risk-Benefit PerceptionAbstract
The disruption of information technology has increasingly influenced how consumers transact. This research aims to examine the impact of technology acceptance levels and perceived risk-benefit on food product purchases in SMEs through online transactions. The survey was conducted with respondents by distributing questionnaires in the Jabodetabek area, with 200 questionnaires collected for further processing. The analysis method used is SEM-PLS. The results indicate indirect effect of technology acceptance and perceived benefits on food product purchases in SMEs through the adoption of online transactions. The direct effect of perceived benefits of digital technology on food product purchases in SMEs shows that the adoption of online transactions has a partially complementary mediating effect. Consumers are partially adopting alternatives such as social media applications for actual purchases, in line with the fact that most SMEs have yet to go digital. This research recommends that the government and relevant institutions enhance the acceleration of digitalization in SMEs through training and mentoring programs. SME players need to focus on efficient business strategies by shifting resources to more essential types of businesses and improving digital literacy while adopting online transactions for business expansion.
References
Abramova, S., & Böhme, R. (2016). Perceived Benefit and Risk as Multidimensional Determinants of Bitcoin Use: A Quantitative Exploratory Study. Proceedings of the Thirty
AIPEG, & KPPU. (2017). The Digital Economy in Indonesia. KPPU Komisi Pengawas Persaingan Usaha.
Arno, A., & Mujahidin, M. (2024). Enhancing Zakat Management: The Role of Monitoring and Evaluation in the Amil Zakat Agency. Jurnal Economia, 20(3), 397-418. doi:https://doi.org/10.21831/economia.v20i3.53521
ASBA. (2018). An Overview on Fintechs: Their Benefits and Risks. Diunduh 16 May 2019. Association of Supervisors of Banks of the Americas: http://www.asbasupervision.com/en/bibl/publications-of-asba/otherreports/1604-orep24-1-1
Aslaksen, E. W. (2020). Technology. In Lecture Notes in Networks and Systems. https://doi.org/10.1007/978-3-030-40226-6_5
Bank Indonesia (BI), Lembaga Pengembangan Perbankan Indonesia (LPPI). (2016). Profil Bisnis Usaha Mikro, Kecil Dan Menengah (UMKM). Bank Indonesia dan LPPI.
Banna, H. (2019). Muslim Customer Behavior in Halal Food Online Purchasing. Journal of Islamic Monetary and Finance, Vol. 5 No. 3 pp. 517-540
Basry, A., & Sari, E. M. (2018). Penggunaan Teknologi Informasi dan Komunikasi (TIK) Pada Usah Mikro, Kecil dan Menengeh (UMKM). IKRA-ITH INFORMATIKA : Jurnal Komputer Dan Informatika.
Benlian, A., & Hess, T. (2011). Opportunities and risks of software-as-aservice: Findings from a survey of IT executives. Decision Support Systems. https://doi.org/10.1016/j.dss.2011.07.007
BPS.(2019) https://www.bps.go.id/pressrelease/2019/02/06/1619/ekonomi-indonesia-2018-tumbuh-5-17-persen.html
Bruner, G. C., & Kumar, A. (2005). Explaining consumer acceptance of handheld Internet devices. Journal of Business Research. https://doi.org/10.1016/j.jbusres.2003.08.002
Butt, I., Tabassam, S., Chaudhry, N. G., & Nusair, K. (2016). Using technology acceptance model to study adoption of online shopping in an emerging economy. Journal of Internet Banking and Commerce, 21(2), [202].
Cheung, R., & Vogel, D. (2013). Predicting user acceptance of collaborative technologies: An extension of the technology acceptance model for elearning. Computers and Education. https://doi.org/10.1016/j.compedu.2012.12.003
Chin, L. P., & Ahmad, Z. A. (2015). Perceived Enjoyment and Malaysian Consumers’ Intention to Use a Single Platform E-Payment. SHS Web of Conferences. https://doi.org/10.1051/shsconf/20151801009
Chin, W.W., & Newsted, P. R. (1999). Structural Equation Modeling Analysis with Small Samples Using Partial Least Square. SAGE Publication
Cobb, S. (1976). Social support as a moderator of life stress. Psychosomatic Medicine. https://doi.org/10.1097/00006842-197609000-00003
Cocosila, M. (2013). Role of user a priori attitude in the acceptance of mobile health: An empirical investigation. Electronic Markets. https://doi.org/10.1007/s12525-012-0111-5
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly. https://doi.org/10.2307/249008
Eltayeb, M., & Dawson, M. (2016). Understanding user’s acceptance of personal cloud computing: Using the technology acceptance model. In Advances in Intelligent Systems and Computing. https://doi.org/10.1007/978-3-319-32467-8_1
Featherman, M. S., & Pavlou, P. A. (2003). Predicting e-services adoption: A perceived risk facets perspective. International Journal of Human Computer Studies. https://doi.org/10.1016/S1071-5819(03)00111-3
Featherman, M. S., Miyazaki, A. D., & Sprott, D. E. (2010). Reducing online privacy risk to facilitate e-service adoption: The influence of perceived ease of use and corporate credibility. Journal of Services Marketing. https://doi.org/10.1108/08876041011040622
Fiqran, M., Mujahidin, M., Bakri, A. N., & Abdulrahman, A. J. A. (2024). Motivation for Waqf in Millennials and Generation Z: Highlighting Religiosity, Literacy and Accessibility. IKONOMIKA, 9(2), 309-332.
GAPMMI. (2018). Gabungan Pengusaha Makanan dan Minuman Seluruh Indonesia, http://www.gapmmi.or.id/?pilih=arsip&topik=26
Gefen, & Straub. (2003). Managing User Trust in B2C e-Services. E-Service Journal. https://doi.org/10.2979/esj.2003.2.2.7
Ghazali, Imam (2021). Partial Least Square Konsep Teknik dan Aplikasi, Menggunakan Program SmartPLS 3.2.9 Untuk Penelitian Empiris Edisi 3, Badan Penerbit UNDIP, Semarang.
Gupta, A., Singh, S., Surana, V. (2019). Factors Affecting Adoption of Food Delivery Apps. International Journal of Advance Research 7 (10) 587- 599.
Hafni, R., & Rozali, A. (2017). Analisis Usaha Mikro, Kecil, dan Menengah (UMKM) terhadap Penyerapan Tenaga Kerja di Indonesia. Ilmu Ekonomi Dan Studi Pembangunan.
Hair, J., Risher, J., Sartedt, M. (2019). When to use and how to report the results of PLS-SEM. Eropean Business Review. DOI: 10.1108/EBR-11- 2018-0203
Hanim, A., & Sudaryanto, S. (2003). Evaluasi Kesiapan UKM Menyongsong Pasar Bebas Asean (Afta 2003): Suatu Analisis Perspektif dan Tinjauan Teoritis. Jurnal Ekonomi Akuntansi Dan Manajemen.
Hartari, A. (2017). Pola Konsumsi Masyarakat Perkotaan dan Pengaruhnya terhadap Kesehatan. Peran MST dalam Mendukung Urban Lifestyle yang Berkualitas.
Henseler, J., Fassot, G., Dijkstra, T.A., and Wilson, B. (2012). Analysing quadratic effect of formative construct by means of varianced-based structural equation modelling, European Journal of Information System, pp. 99-112.
Hernández, B., Jiménez, J., & Martín, M. J. (2010). Customer behavior in electronic commerce: The moderating effect of e-purchasing experience. Journal of Business Research. https://doi.org/10.1016/j.jbusres.2009.01.019
Hikhman, Dwi. R. (2017). 3 Peran Penting UMKM Penggerak Penting Ekonomi Indonesia.https://www.kompasiana.com/hikhman/599eabfae728e442d60622e2/3-peran-penting-umkm-penggerak-penting-ekonomi-indonesia. Diunduh 13 Sep 2019.
Hill, R. J., Fishbein, M., & Ajzen, I. (1977). Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research. Contemporary Sociology. https://doi.org/10.2307/2065853
Hu, L.T., Bentler, P.M. (1999). Fit indices in covariance structure modelling: Sensitivity to underparameterized model misspecification. Psycology Method, 3, pp. 424-453
Hubeis, M. (2009). Prospek Usah Kecil dalam wadah inkubator bisnis. Bogor (ID): Ghalia Indonesia
Igbaria, M., Guimaraes, T., & Davis, G. B. (1995). Testing the Determinants of Microcomputer Usage via a Structural Equation Model. Journal of Management Information Systems. https://doi.org/10.1080/07421222.1995.11518061
Ishak, I., Putri, Q. A. R., & Sarijuddin, P. (2024). Halal Product Assurance at Traditional Markets in Luwu Raya Based on Halal Supply Chain Traceability. Amwaluna: Jurnal Ekonomi dan Keuangan Syariah, 8(2), 224-240.
Jang, H. (2015). Analysis and Forecasting for ICT Convergence Industries. Journal Of Service Research and Studies. https://doi.org/10.18807/jsrs.2015.5.2.15
K, A. ., Astuti, A. R. T. ., & ., Mujahidin. (2024). The Impact of Word of Mouth and Customer Satisfaction on Purchase Decisions: The Role of Maslahah as an Intervening Variable in the Cosmetic Products Industry in Indonesia. Journal of Ecohumanism, 3(7), 1525–1540. https://doi.org/10.62754/joe.v3i7.4307
Kemenkop. (2019). Kementerian Koperasi dan Usaha Kecil dan Menengah, http://www.depkop.go.id/data-umkm
kontan.co.id. (2019). Produk frozen food Indonesia memiliki prospek bagus namun daya saingnya masih rendah. https://industri.kontan.co.id/news/produk-frozen-food-indonesia-memiliki-prospek-bagus-namun-daya-saingnya-masih-rendah.
Lai, P. C. (2018). Security as an Extension to TAM Model: Consumers’ Intention to Use a Single Platform E-Payment. Asia-Pacific Journal of Management Research and Innovation. https://doi.org/10.1177/2319510x18776405
Lee, S.-H., & Lee, D.-W. (2015). FinTech - Conversions of Finance Industry based on ICT. Journal of the Korea Convergence Society. https://doi.org/10.15207/jkcs.2015.6.3.097
Lei, X. (2016). Discussion of the Risks and Risk Control of P2P in China. Modern Economy. https://doi.org/10.4236/me.2016.74043
Li, Y., Wang, X., Lin, X., & Hajli, M. (2018). Seeking and sharing health information on social media: A net valence model and cross-cultural comparison. Technological Forecasting and Social Change. https://doi.org/10.1016/j.techfore.2016.07.021
Majid, N. H. A., Omar, A. M., & Busry, L. H., Mujahidin Reviving Waqf In Higher Education Institutions: A Comparative Review Of Selected Countries. European Proceedings of Social and Behavioural Sciences.
Meuter, M. L., Ostrom, A. L., Roundtree, R. I., & Bitner, M. J. (2003). Self-Service Technologies: Understanding Customer Satisfaction with Technology-Based Service Encounters. Journal of Marketing. https://doi.org/10.1509/jmkg.64.3.50.18024
Miller, M. (2017). Can “fintech” innovations impact financial inclusion in developing countries? Private Sector Development (World Bank).
Moon, J. W., & Kim, Y. G. (2001). Extending the TAM for a World-WideWeb context. Information and Management. https://doi.org/10.1016/S0378-7206(00)00061-6
Moore, G. C., & Benbasat, I. (1991). Development of an instrument to measure the perceptions of adopting an information technology innovation. Information Systems Research. https://doi.org/10.1287/isre.2.3.192
Morgan-Thomas, A., & Veloutsou, C. (2013). Beyond technology acceptance: Brand relationships and online brand experience. Journal of Business Research. https://doi.org/10.1016/j.jbusres.2011.07.019
Muheramtohadi, S. (2017). Peran Lembaga Keuangan Syariah dalam Pemberdayaan UMKM di Indonesia. MUQTASID Jurnal Ekonomi Dan Perbankan Syariah. https://doi.org/10.18326/muqtasid.v8i1.95-113
Mujahidin, M., Imran, M., Sapa, N. B., Fasiha, F., Aisya, S., & Trimulato, T. (2025). Challenge of Waqf to the Social and Economic Welfare of Muslim Communities: A Comparative Analysis Between Countries. Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan, 12(1), 168-184.
Mujahidin, Rahmadani, N., & Putri, Q. A. R. (2024). Analysis of the Influence of Religiosity Values In Reducing Consumptive Behavior in Indonesian Muslim Consumers. Amwaluna: Jurnal Ekonomi dan Keuangan Syariah, 8(2), 253-274.
Mumtahana, H. A., Nita, S., & Tito, A. W. (2017). Pemanfaatan Web E-Commerce untuk Meningkatkan Strategi Pemasaran. Khazanah Informatika: Jurnal Ilmu Komputer Dan Informatika. https://doi.org/10.23917/khif.v3i1.3309
Nam, K., Lee, Z., & Lee, B. G. (2016). How internet has reshaped the user experience of banking service? KSII Transactions on Internet and Information Systems. https://doi.org/10.3837/tiis.2016.02.014
OECD. (2017). Financial education for micro, small and medium-sized enterprise in Asia. Diunduh 15 Juni 2019, https://www.oecd.org/finance/Financial-education-for-MSMEs-in-Asia.pdf
OJK. (2018). Digital Financial Inclusion In Indonesia. https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/Documents/Pages/Materi-OJK-PROKSI-2016/7.Digital Financial Inclusion - OJK.pdf.
Omar, M.K., Kamariah, N.M.N., Imhemed, A.G. (2012). The Direct Effects of Halal Product Actual Purchase Antecedents among the International Muslim Consumers. American Journal of Economics 2(4) 87-92
Palvia, P. (2009). The role of trust in e-commerce relational exchange: A unified model. Information and Management. https://doi.org/10.1016/j.im.2009.02.003
presidenri.go.id. (2019). Potensi Besar UKM Industri Makanan-Minuman. http://presidenri.go.id/berita-aktual/potensi-besar-ukm-industri-makanan-minuman.html.
Pujiono, A., Setyawati, R., & Idris, I. (2018). Strategi Pengembangan UMKM Halal di Jawa Tengah Dalam Menghadapi Persaingan Global. Indonesia Journal of Halal. https://doi.org/10.14710/HALAL.V1I1.3109
Putri, Q. A. R., Fasiha, F., & Rasbi, M. (2024). Affiliate marketing and intention to adopt mudarabah: The mediating role of trust in Islamic financial decision-making. JEMA: Jurnal Ilmiah Bidang Akuntansi Dan Manajemen, 21(2), 337–362. https://doi.org/10.31106/jema.v21i2.23381
RachbiniW., SalimF., HaqueM. G., & RahmawatiE. (2019). Analisis Niat Pembelian Ulang E-Commerce Mobile Dengan Pendekatan Technology Acceptance Model (TAM). Jurnal Aplikasi Bisnis Dan Manajemen (JABM), 5(3), 530. https://doi.org/10.17358/jabm.5.3.530
Rahadiyan, I. (2019). Aspek Hukum dan Tantangan Pengaturan P2P Lending di Indonesia. Kerjasama OJK Dan FH UGM. Diunduh dari https://www.researchgate.net/publication/328717455
Ramdhani, (2011). Penyusunan Alat Pengukur Berbasis Theory of Planned Behavior. Buletin Psikologi. Volume 19, No. 2, 55-69
Rusdianasari, F. (2018). Peran Inklusi Keuangan melalui Integrasi Fintech dalam Stabilitas Sistem Keuangan Indonesia. Jurnal Ekonomi Kuantitatif Terapan
Ryu, H. S. (2018). What makes users willing or hesitant to use Fintech?: the moderating effect of user type. Industrial Management and Data Systems. https://doi.org/10.1108/IMDS-07-2017-0325
Said S. Al-Gahtani, Modeling the electronic transactions acceptance using an extended technology acceptance model, Applied Computing and Informatics, Volume 9, Issue 1, 2011, Pages 47-77, https://doi.org/10.1016/j.aci.2009.04.001.
Sapsuha, M. U., Alwi, Z., Sakka, A. R., & Al-Ayyubi, M. S. (2024). Review of Gold Trading Practices on Credit (non-Cash) Based on Hadith. Al-Kharaj: Journal of Islamic Economic and Business, 6(3).
Schierz, P. G., Schilke, O., & Wirtz, B. W. (2010). Understanding consumer acceptance of mobile payment services: An empirical analysis. Electronic Commerce Research and Applications. https://doi.org/10.1016/j.elerap.2009.07.005
Setiawan, W. (2017). Era Digital dan Tantangannya. Seminar Nasional Pendidikan 2017
Sharma, S. K., Govindaluri, S. M., Muharrami, S. M., & Tarhini, A. (2017). A multi-analytical model for mobile banking adoption: a developing country perspective. Review of International Business and Strategy. https://doi.org/10.1108/RIBS-11-2016-0074
Sudaryanto, Ragimun, & Wijayanti, R. R. (2015). Strategi Pemberdayaan UMKM Menghadapi Pasar Bebas Asean. Web Kementerian Keuangan. htpp://www.kemenkeu.go.id
Supriyanto, -. (2019). Pemberdayaan Usaha Mikro, Kecil dan Menengah (UMKM) Sebagai Salah Satu Upaya Penanggulangan Kemiskinan. Jurnal Ekonomi Dan Pendidikan. https://doi.org/10.21831/jep.v3i1.627
Szajna, B. (1996). Empirical evaluation of the revised technology acceptance model. Management Science. https://doi.org/10.1287/mnsc.42.1.85
The Influence of Brand Equity and Service Quality on the Decision to Use Islamic Banking Services. (2024). International Journal of Religion, 5(11), 7402– 7409. https://doi.org/10.61707/gfqm3b30
Tim APJII. (2018). BULETINAPJIIEDISI22Maret2018.pdf. APJII.
Tingchi Liu, M., Brock, J. L., Cheng Shi, G., Chu, R., & Tseng, T. (2013). Perceived benefits, perceived risk, and trust. Asia Pacific Journal of Marketing and Logistics. https://doi.org/10.1108/13555851311314031
Venkatesh, V., & Davis, F. D. (2000). Theoretical extension of the Technology Acceptance Model: Four longitudinal field studies. Management Science. https://doi.org/10.1287/mnsc.46.2.186.11926
Venkatesh, V., Speier, C., & Morris, M. G. (2002). User acceptance enablers in individual decision making about technology: Towards an integrated model. Decision Sciences. https://doi.org/10.1111/j.1540- 5915.2002.tb01646.x
Warta Ekspor. (2015). Peluang Besar di Pasar Ekspor Daging Olahan. Warta Ekspor, Ditjen PEN.
Werthamer, N. R., & Raymond, S. U. (2003). Technology and finance: The electronic markets. Technological Forecasting and Social Change. https://doi.org/10.1016/s0040-1625(96)00144-8
Widyaningsih, N. (2018). Analisi Mitigasi Resiko Financial Technology Peer to Peer Lending Dalam Penyaluran Kredit Terhadap UMKM di Indonesia (Studi Kasus Pada PT. Amartha Mikro Fintek). Jurnal Ilmiah Mahasiswa FEB
Wulandari, S., Irfan, A., Zakaria, N. B., & Mujahidin. (2024). Survey Study on Fraud Prevention Disclosure Measurement at State Islamic Universities in Indonesia. IQTISHODUNA: Jurnal Ekonomi Islam, 13(1), 327–348. https://doi.org/10.54471/iqtishoduna.v13i1.2305
Yan, T. C., Schulte, P., & Lee Kuo Chuen, D. (2017). InsurTech and FinTech: Banking and Insurance Enablement. Handbook of Blockchain, Digital Finance, and Inclusion, Volume 1: Cryptocurrency, FinTech, InsurTech, and Regulation. https://doi.org/10.1016/B978-0-12-810441-5.00011-7
Yaskun, M., & Sugiarto, E. (2017). Potensi Hasil Perikanan Laut Terhadap Kesejahteraan Para Nelayan Dan Masyarakat. Studi Manajemen Dan Bisnis.
Yousafzai, S. Y., Foxall, G. R., & Pallister, J. G. (2010). Explaining internet banking behavior: Theory of reasoned action, theory of planned behavior, or technology acceptance model? Journal of Applied Social Psychology. https://doi.org/10.1111/j.1559-1816.2010.00615.x
Zavolokina, L., Dolata, M., & Schwabe, G. (2017). FinTech transformation: How IT-enabled innovations shape the financial sector. Lecture Notes in Business Information Processing. https://doi.org/10.1007/978-3-319- 52764-2_6 (21:1)
Downloads
Published
How to Cite
Issue
Section
Citation Check
License
Copyright (c) 2025 Kurnia Hardi, Burhan, Muhammad Ridhwan
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 International License. In line with the license, authors are allowed to share and adapt the material. In addition, the material must be given appropriate credit, provided with a link to the license, and indicated if changes were made. If authors remix, transform or build upon the material, authors must distribute their contributions under the same license as the original.
