FACTORS AFFECTING THE ACCEPTANCE OF SI APIK FROM BANK INDONESIA IN MSMES: THE CHALLENGES AND OPPORTUNITIES

Fitri Alfiana*, Maharani Husnunnida
University of Internasional Semen Indonesia
*E-mail: alfiana.fitri@uisi.ac.id

Abstract

Financial reporting always becomes a barrier for most MSMEs (Micro, Small & Medium Enterprises). The common reason is because most of MSMEs entrepreneur have no accounting background and their assumption that accounting is complicated. As the information technology start growing rapidly, Bank Indonesia brings a solution and make an accounting application for MSMEs named SI APIK. This study examines the effect of perceived ease of use, perceived usefulness and perceived credibility behavioral intention to behavioral intention of MSMEs entrepreneurs in Gresik, and then examines the prospect of implementation of this application. The data of this study is obtained from the questionnaires returned by 98 MSMEs entrepreneur in the Gresik area. The result of this study show that perceived ease of use, perceived usefulness and perceived credibility behavioral intention do affect the behavioral intention of MSMEs entrepreneurs, and SI APIK seems have a good prospect to be implemented, but the regulator have to improve the socialization of this application.

Keywords: Behavioral intention, SI APIK, MSMEs.

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