ANALYSIS OF USER ACCEPTANCE OF THE MULTIPURPOSE FINANCING ANALYSIS APPLICATION AT BANK SYARIAH X WITH THE UTAUT MODEL
DOI:
https://doi.org/10.61796/ijmi.v2i4.329Keywords:
Computerized technology, Sharia multipurpose, UTAUTAbstract
Objective: This research aims to determine the level of user acceptance of the Excel application for multi-purpose financing analysis at Bank Syariah X. The use of the application in the financing business process is expected to facilitate the work of AO financing analysts, supported by good technological facilities. Method: The method used by the author is qualitative, delving into the acceptance of computer technology at Bank Syariah X as a tool for analyzing multipurpose financing, and conducting interviews and direct observations to achieve optimal results. Results: The results obtained from this study indicate that the level of acceptance among employees of Bank Syariah X towards the Excel application for multi-purpose financing analysis is considered quite good, with 75% of respondents stating that the use of the application is easy. However, other sources also believe that the use of this Excel application is quite complicated and still requires better improvements. Novelty: This study provides insights into the real-world acceptance of a spreadsheet-based tool (Excel) in the context of Islamic banking's financing processes, highlighting user experience variation and areas for potential system enhancement.
References
A. Waluyo, H. Nasrullah, and S. P. Ediwidjojo, “Pelatihan Penggunaan Apkikasi Microsoft Office (Word, Excel, Power Point) 2010 untuk Peningkatan Kemampuan SDM PEMDES Desa Kebakalan, Karanggayam, Kebumen,” JURPIKAT, vol. 1, no. 1, pp. 21–28, 2020, doi: https://doi.org/10.37339/jurpikat.v1i1.273.
M. H. Muzakki, H. Suilo, and S. R. Yuniarto, “Pengaruh Penggunaan Teknologi Informasi Terhadap Kinerja Karyawan (Studi Pada Karyawan PT. Telkom Pusat Divisi Regional V Surabaya),” J. Adm. Bisnis, vol. 39, no. 2, pp. 169–175, 2019, [Online]. Available: https://shorturl.at/Af3Hl.
B. Cahyono, “Penggunaan Software Matrix Laboratory (Matlab) Dalam Pembelajaran Aljabar Linier,” J. Pendidik. MIPA, vol. 3, no. 1, pp. 45–62, 2016, doi: https://doi.org/10.21580/phen.2013.3.1.174.
R. D. Pratiwi, “Menyusun Laporan Keuangan Sederhana Dengan Microsoft Excel,” Media Ekon. Teknol. Inf., vol. 19, no. 1, pp. 64–70, 2012.
S. Muffrikha, F. N. Latifa, and Masruchin, “Implementasi Manajemen Resiko Pembiyaan Pada BSI KCP Mojokerto Bangsal,” Jurnal, Ilmiah, Ekon. Islam, vol. 7, no. 03, pp. 1457–1463, 2021, doi: https://doi.org/10.29040/jiei.v7i3.3425.
D. Krisnaningsih, I. Fauji, Masruchin, D. Maulidiyah, and T. P. Saadah, “Analisis Pembiayaan Murabahah Bank X Cabang Syariah Surabaya,” J. lmiah Ekon. Islam, vol. 8, no. 3, p. 3032, 2022, doi: https://doi.org/10.29040/jiei.v8i3.5494.
D. Krisnaningsih, D. K. Sari, and U. Indahyanti, “Pendampingan Program Aplikasi Analisis Pembiayaan Murabahah Pada Unit Usaha Ijab Qabul Di SMK Antartika 1 Sidoarjo,” J. Pengabdi. Masy. Ipteks, vol. 2, no. 3, p. 85, 2021, doi: https://doi.org/10.32493/jlkklkk.v2i3.p85-93.14335.
M. H. Rangkuti1, Imsar, and R. D. Harahap, “Analisis Penerapan Integrated Marketing Communication (IMC) Dalam Meningkatkan Jumlah Nasabah Pada Produk Pembiayaan Multiguna Hasanah Di Bank Syariah Indonesia KCP Binjai Sudirman,” J. , Pendidik. dan Konseling, vol. 5, no. 1, pp. 5924–5934, 2023, doi: https://doi.org/10.31004/jpdk.v5i1.12299.
R. Syauqoti, “Aplikasi Akad Murabahah Pada Lembaga Keuangan Syariah,” Jurnal, Masharf al-Syariah, vol. 3, no. 1, 2018, doi: https://doi.org/10.30651/jms.v3i1.1489.
A. M. Solihah, “Penerapan Akad Ijarah pada Pembiayaan Multijasa dalam Perspektif Hukum Islam,” Jurnal, Hukum, Bisnis, Islam., vol. 6, no. 1, 2014, doi: https://doi.org/10.14421/azzarqa.v6i1.1320.
A. Salsabilla and A. Sonjaya, “Implementasi Akad Ijarah Paralel Dalam Pembiayaan Multiguna Tanpa Agunan Di Perbankan Syariah,” J. Ilmu Huk. Dan Ekon. Syariah, no. 2, pp. 52–71, 2023, doi: https://doi.org/10.32505/muamalat.v9i2.6818.
J. A. Pane and R. Syahriza, “Analisa Kelayakan Nasabah Pembiayaan Konsumtif Melalui Sistem Skoring pada Bank Sumut Syariah Multatuli Medan,” Jurnal, Ilmiah, Ekon. Islam., vol. 9, no. 10, pp. 788–797, 2023, doi: https://doi.org/10.29040/jiei.v9i1.8310.
A. Rohman, “Implementasi Model Utaut Pada Industri Perbankan di Indonesia,” Kajian, Brand. Indones., vol. 4, no. 1, pp. 60–69, 2022, doi: 10.21632/kbi.4.1.60-69.
I. G. N. Sedana and W. Wijaya, “Penerapan Model Utaut Untuk Memahami Penerimaan Dan Penggunaan Learning Management System Studi Kasus: Experential E-Learning of Sanata Dharma University,” J. Sist. Inf., vol. 5, no. 2, p. 114, 2012, doi: 10.21609/jsi.v5i2.271.
R. A. Putri, “Peminat Aplikasi Blibli.Com Dengan Menggunakan Model Unified Theory of Acceptance and Use of Technology (Utaut),” J. Ris. Bisnis dan Manaj., vol. 12, no. 1, pp. 16–23, 2019, doi: https://doi.org/10.23969/jrbm.v12i1.762.
H. Hamrul, B. Soedijono, and A. Amborowati, “Mengukur Kesuksesan Penerapan Sistem Informasi Akademik ( Studi Kasus Penerapan Sistem Informasi Stmik Dipanegara Makassar ),” Semnasif, vol. 2013, no. semnasIF, pp. 140–146, 2013.
R. E. Rahmawati and M. R. Maika, “Penerapan Model UTAUT terkait akseptasi mahasiswa terhadap Cashless Payment di masa Pandemi COVID-19,” J. Ekon. Mod., vol. 17, no. 1, pp. 1–14, 2021, doi: 10.21067/jem.v17i1.5228.
E. A. Afriansyah, “Penggunaan Software ATLAS.ti sebagai Alat Bantu Proses Analisis Data Kualitatif,” J. Pendidik. Mat., vol. 5, no. 2, pp. 53–63, 2016, doi: 10.31980/mosharafa.v5i2.357.
Y. Prayogo, “Murabahah Produk Unggulan Bank Syariah (Konsep, Prosedur, Penetapan Margin Dan Penerapan Pada Perbankan Syariah),” J. Al-Risalah, vol. 14, no. 1, doi: https://doi.org/10.30631/alrisalah.v14i01.402.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Rizka Tri Cahyaning Ati, Diah Krisnaningsih
This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.
