Table 1
MSME Criteria by Capital and Sales
Table 2
Likert Measurement Scale
Tabel 3
Respondents Characteristics
Table 5
Multivariate Normality
Table 6
Construct Validity Test
Table 7
The Construct Reliability
Table 8
Goodness of Fit Test
Table 9
Hypothesis Results
No
Question
Answer
Description
1
Are you a Micro, Small and Medium Enterprises (MSMEs)?
Yes / No
If “ Yes ”, Continue If “No”, Finish
2
Do you ever use fintech lending application for business/productive financing?
Yes / No
If “ Yes ”, Continue If “No”, Finish
3
Fintech lending application that you use:
Amartha
Investree
4
How long have you been using the fintech lending application?
Less than 1 year
1-3 years
More than 3 years
5
How do you access credit/financing from fintech lending company?
Through Mobile Apps
Through the website on the computer
Offline _
6
Where did you get the information about the fintech lending application?
Electronic/print media advertising
Internet
Telemarketing
Socialization
Family/friends
Others ….
No
Question
Answer
Description
7
Sex
Male
Female
8
Year of Birth
Before 1944 (Traditionalist)
1944-1964 (Baby Boomer)
1965-1980 (Gen X)
1981-1995 (Gen Y)
1996 -2010 (Gen Z)
9
Education
Not attending education
Primary School
Junior high school
Senior high school
Diploma/ Bachelor
Postgraduate
No
Question
Answer
Description
10
Business Sector
Service
Trading
Agriculture
Manufacture
Others
11
Business location according to region (if the business has any branch in different region, choose the main office location)
Sumatra
Java
Borneo
Sulawesi
Bali - Nusa Tenggara
Maluku - Papua
Regional
12
How many Sales Value per year?
Up to IDR 2 billion
IDR 2 - 15 billion
IDR 15 - 50 billion
more than IDR 50 billion
To measure MSME scale
13
What kind of marketing tools that used in the business?
Shop/tangible shop
E-commerce (such as Tokopedia, Bukalapak, Shopee, etc.)
Social media (WhatsApp, Instagram, Facebook, etc.)
Company/aggregator/ importer (B2B)
Choose the most suitable
14
What kind of Financial Product that used besides fintech lending?
Savings
Current Account
Deposit
E-Money/Digital savings (such as Gopay, OVO, Dana, Shopeepay, LinkAja, etc.)
Insurance (includes Unitlink, BPJS)
Investments: stocks, mutual funds, bonds
Bank/BPR/Leasing/Cooperative /LKM Credit (not include online loans)
Credit Card
Choose the most suitable
No
Perceived Ease of Use (PEU) Perception of the Fintech Lending Application convenience
SD
D
N
A
SA
PEU1
The structure and content of the fintech lending application is easy to use and understand.
PEU2
I feel easy to become proficient in using the fintech lending application.
PEU3
The fintech lending application is easy to use.
PEU4
The whole instructions on the application are easy to follow.
No
Perceived Usefulness (PU) Perception Usefulness of the Fintech Lending Application
SD
D
N
A
SA
PU1
The performance of my business is increase after using the fintech lending application.
PU2
The productivity of my business is increase after using the fintech lending application.
PU3
The management of my business is getting more effective after using the fintech lending application.
PU4
The application is very useful for my business.
PU5
In general, the fintech lending application makes me easy to get business financing.
No
Attitude Toward Using (A) Attitude in Using the fintech lending application
SD
D
N
A
SA
A1
I really want to use fintech lending application.
A2
Using a fintech lending application is a satisfying experience for me.
A3
Using a fintech lending application is a good idea or the right decision.
No
Behavioral Intention to Use (BI) Interest to Use fintech lending application
SD
D
N
A
SA
BI1
I want to use fintech lending application to obtain business financing
BI2
If possible, I will use a fintech lending application for my business
BI3
I will suggest others to use a fintech lending application
Question
Answer
Description
Is the fintech lending application you use fulfilled your expectation?
Yes, as expected
Not really as expected
Not as expected
What feature do you want to add to the application to fulfill your expectation/needs?
…
Open answer
After using the application, is it affect the cost/load in your business?
The cost became higher
Not affected
The cost became lower (more efficient)
Just if you consent, please input your contact.
Based on consent