Analisis Kesiapan Transformasi Digital UMKM dalam Penggunaan Aplikasi Pos Digital System dengan Metode I-Toe Framework
DOI:
https://doi.org/10.59725/ema.v30i1.195Keywords:
Applications, Digital Transformation, MSMEsAbstract
Information technology has an important role in the continuity of business activities for MSMEs. The application of technology to build a business is called effective and efficient digital transformation for MSMEs. One form of digital transformation is in the aspect of recording transactions and finances called Point of Sale (POS). POS is an application in the form of an online cashier with integrated electronic transaction service features which is aimed at increasing the sustainable development of digital entrepreneurs or Digipreneurs through digital transaction services to analyze administrative and financial matters which can help MSMEs. This research aims to prepare for the digital transformation of MSMEs in using digital POS system applications using the I-TOE framework. This research is qualitative in nature with data collection techniques by conducting interviews with 6 MSMEs in Salatiga, Central Java. From the interview results, it can be concluded that through the I-TOE framework, it is known that the readiness for digital MSME transformation is influenced by several aspects (1) Type of business, (2) Age of the manager. (3) Human resources and (4) Environmental demands.
References
Ansori, M. (2019). Perkembangan dan dampak financial technology (fintech) terhadap industri keuangan syariah di Jawa Tengah. Wahana Islam: Jurnal Studi Keislaman, 5. https://doi.org/10.1017/CBO9781107415324.004
Berutu, T. A., Sigalingging, D. L. R., Simanjuntak, G. K. V., & Siburian, F. (2024). Pengaruh teknologi digital terhadap perkembangan bisnis modern. Jurnal Ilmu Komputer dan Teknologi Informasi, 2(3), 358–370. https://doi.org/10.61132/neptunus.v2i3.258
Buteau, S. (2021). Roadmap for digital technology to foster India’s MSME ecosystem—opportunities and challenges. CSI Transactions on ICT, 9(4), 233–244. https://doi.org/10.1007/s40012-021-00345-4
Cueto, L. J., Frisnedi, A. F. D., Collera, R. B., Batac, K. I. T., & Agaton, C. B. (2022). Digital innovations in MSMEs during economic disruptions: Experiences and challenges of young entrepreneurs. Administrative Sciences, 12(1), 1–25. https://doi.org/10.3390/admsci12010008
Cunningham, J. A., Damij, N., Modic, D., & Olan, F. (2023). MSME technology adoption, entrepreneurial mindset and value creation: A configurational approach. Journal of Technology Transfer, 48(5), 1574–1598. https://doi.org/10.1007/s10961-023-10022-0
Effendi, M. I., Sugandini, D., & Istanto, Y. (2020). Social media adoption in SMEs impacted by COVID-19: The TOE model. Journal of Asian Finance, Economics and Business, 7(11), 915–925. https://doi.org/10.13106/jafeb.2020.vol7.no11.915
Effendi, M. I., Sugandini, D., Istanto, Y., Adisti, T., & Arundati, R. (2020). HKI Buku: The Technology-Organization-Environment Framework: Adopsi teknologi pada UKM.
Endris, E., & Kassegn, A. (2022). The role of micro, small and medium enterprises (MSMEs) to the sustainable development of sub-Saharan Africa and its challenges: A systematic review of evidence from Ethiopia. Journal of Innovation and Entrepreneurship, 11(20), 1–18. https://doi.org/10.1186/s13731-022-00221-8
Gao, J., Siddik, A. B., Khawar Abbas, S., Hamayun, M., Masukujjaman, M., & Alam, S. S. (2023). Impact of e-commerce and digital marketing adoption on the financial and sustainability performance of MSMEs during the COVID-19 pandemic: An empirical study. Sustainability (Switzerland), 15(2), 1–21. https://doi.org/10.3390/su15021594
Kurniasari, F., Lestari, E. D., & Tannady, H. (2023). Pursuing long-term business performance: Investigating the effects of financial and technological factors on digital adoption to leverage SME performance and business sustainability—Evidence from Indonesian SMEs in the traditional market. Sustainability (Switzerland), 15(16), 1–20. https://doi.org/10.3390/su151612668
Lin, J. Y., Yang, Z., Li, Y., & Zhang, Y. (2022). Development strategy and the MSMEs finance gap. Journal of Government and Economics, 5, 100034. https://doi.org/10.1016/j.jge.2022.100034
Maulida, A., Farida, I., & Karunia, A. (2021). Efektivitas dan efisiensi penggunaan aplikasi akuntansi UMKM terhadap penyusunan laporan keuangan UMKM. Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis, 9(2), 194–199.
Moleong, L. J. (2017). Metode penelitian kualitatif. PT Remaja Rosdakarya.
Paramastri, A., & Yuhertiana, I. (2023). Penerimaan teknologi tentang sistem informasi akuntansi point of sales (POS): Sebuah analisis bibliometrik. eCo-Buss, 6(1), 2622-4291.
Pranoto, F. W., Agustin, F., Nanda, M. Y., & Dwi, S. E. (2024). Pengaruh kecanggihan teknologi informasi dan kemampuan teknik personal terhadap efektivitas penggunaan sistem informasi akuntansi pada PT Bank Rakyat Indonesia. Jurnal Ilmiah Ekonomi Global Masa Kini, 15(1), 2089-6018.
Prasetyo, H., & Sutopo, W. (2018). Industri 4.0: Telaah klasifikasi aspek dan arah perkembangan riset. Jurnal Teknik Industri, 13(1), 17. https://doi.org/10.14710/jati.13.1.17-26
Rachmadi, T. (2020). Pengantar teknologi informasi. Tiga Ebook.
Rakshit, S., Islam, N., Mondal, S., & Paul, T. (2021). Mobile apps for SME business sustainability during COVID-19 and onwards. Journal of Business Research, 135, 28–39. https://doi.org/10.1016/j.jbusres.2021.06.005
Setiobudi, A., & Wiradinata, T. (2018). Intensi UKM dalam adopsi financial technology di Jawa Timur. National Conference on Creative Industry. https://doi.org/10.30813/ncci.v0i0.1233
Sipayung, E. M., Fiarni, C., & Wawan. (2020). Evaluasi penggunaan aplikasi point of sale menggunakan Technology Acceptance Model pada UMKM. Jurnal Nasional Teknik Elektro dan Teknologi Informasi, 9(1), 18–24.
Suaryansyah, B. (2022). Peran fintech (Aplikasi Stroberi Kasir) dalam meningkatkan pengelolaan keuangan UMKM di Kabupaten Belitung. Jurnal Ilmu Sosial, Manajemen, Akuntansi dan Bisnis, 3(2), 2745–7273.
Sugiyono. (2011). Metode penelitian pendidikan. Alfabeta.
Supri, Z., Dewintari, P., Nadia, & Risdayanti. (2024). Analisis kesiapan penggunaan digital finance pada UMKM di Kota Palopo: Perspektif I-TOE Model. Riset & Jurnal Akuntansi, 8(1), 2548–9224. https://doi.org/10.33395/owner.v8i1.1912
Varma. (2019). Fintech adoption choices of small businesses: A Technology Organization Environment (TOE) Framework study. Accounting and Finance Research, 8(2), 86. https://doi.org/10.5430/afr.v8n2p86
Vu, N. H., & Nguyen, N. M. (2022). Development of small-and medium-sized enterprises through information technology adoption persistence in Vietnam. Information Technology for Development, 28(3), 585–616. https://doi.org/10.1080/02681102.2021.1935201
Wulandari, W., Utami, M. C., & Fetrina, E. (2022). Perancangan model dan kuisioner pengukuran kinerja UMKM melalui Technology-Organization-Environment. IKRA-ITH Teknologi: Jurnal Sains dan Teknologi, 6(1), 11–19.
Yanti, L. D., & Oktari, Y. (2018). Konversi faktor penerimaan audit teknologi oleh kantor akuntan publik di Indonesia menggunakan kerangka kerja I-TOE. eCo-Buss, 1(1), 1–6.
Yuspita, R., Pebruary, S., & Kamala, A. Z. H. (2019). The society’s perceptions on the use of fintech services in sharia financial institutions. Jurnal Ekonomi & Keuangan Islam, 5(2), 87–92. https://doi.org/10.20885/jeki.vol5.iss2.art6
