PERUBAHAN PERILAKU PENGGUNA APLIKASI TABUNGAN IBU: METODE TAM

Retno Fuji Oktaviani

doi:10.35906/equili.v12i2.1537

PERUBAHAN PERILAKU PENGGUNA APLIKASI TABUNGAN IBU: METODE TAM

Retno Fuji Oktaviani

Abstract

Abstrak

Permaslahan dalam mengelola keuangan keluarga sering terjadi dalam kehidupan rumah tangga. Sehingga, tidak mudah bagi seseorang untuk mengatur keuangan rumah tangga. Agar kebutuhan keluarga terpenuhi, pengelola keuangan keluarga perlu merancang anggaran secara tepat dan tepat. Tujuan penelitian adalah untuk mengetahui adanya perubahan perilaku pengguna terhadap penggunaan aplikasi Tabungan Ibu. Aplikasi Tabungan Ibu merupakan ekosistem layanan terpadu pengelolaan keuangan keluarga dengan membantu mencatat transaksi harian, melihat histori keuangan, serta laporan keuangan baik harian, bulanan maupun tahunan. Aplikasi Tabungan Ibu dikembangkan oleh Pengusul Bersama mahasiswa pada tahun 2018, dan sampai dengan saat ini masih terus eksis di Google Play. Pengembangan aplikasi Tabungan Ibu diharapkan mampu menyelesaikan persoalan yang ada di masyarakat khususnya bagi Ibu dalam mengelola keuangan keluarga. Populasi dalam penelitian ini adalah Ibu-Ibu PKK di Kecamatan Pondok Kacang Timur Kota Tangerang Selatan yang sudah mendapatkan pelatihan pencatatan keuangan keluarga dan program pendampingan penggunaan Aplikasi Keuangan Ibu oleh tim dosen Universitas Budi Luhur. Total sampel penelitian sebanyak 75 responden. Hasil penelitian membuktikan bahwa Perceived usefulness dan Perceived Ease of Use memiliki pengaruh terhadap actual technology use dan Attitude towards using technology dapat memoderasi pengaruh perceived usefulness terhadap actual system use aplikasi Tabungan Ibu.

Kata Kunci: TAM; Moderating; Behavoiur change

Abstract

Problems in managing family finances often occur in household life. Thus, it is not easy for someone to manage household finances. In order for the family's needs to be met, the family financial manager needs to design the budget properly and precisely. The research objective was to determine whether there was a change in user behavior towards the use of the Tabungan Ibu application. The Ibu Savings application is an integrated service ecosystem for family financial management by helping to record daily transactions, view financial history, as well as daily, monthly and yearly financial reports. The Ibu Savings application was developed by the Proposer with students in 2018, and until now it still exists on Google Play. The development of the Ibu Savings application is expected to be able to solve problems that exist in society, especially for mothers in managing family finances. The population in this study were TP PKK in Pondok Kacang Timur District, South Tangerang City, who had received training on family financial recording and assistance programs on the use of the Tabungan Ibu Application by the team of Budi Luhur University. The total sample of this research is 75 respondents. The results of the research show Perceived usefulness and Perceived Ease of Use affects actual technology use and Attitude towards using technology can moderate the effect of perceived usefulness on actual system use of the Tabungan Ibu application.

Kata Kunci: TAM Models; Moderating; Behavoiur change

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