Enhancing MSME Financial Access through System Usage: The Impact of User Decisions, Information Technology, and Information Quality
Enhancing MSME Financial Access through System Usage: The Impact of User Decisions, Information Technology, and Information Quality

Summary/Abstract: This study explores the impact of end-user decisions, information quality, and information technology on the system usage behavior (Use Behavior) of micro, small, and medium enterprises (MSMEs) in Indonesia and its subsequent effect on access to financing. Using a quantitative research approach, data were collected from 300 MSMEs in the Jakarta, Bogor, Depok, Tangerang, Bekasi (JABODETABEK) region. The research utilized partial least squares structural equation modeling (PLS-SEM) to analyze relationships among the variables. Results show that end-user decisions, information quality, and information technology significantly influence use behavior, which in turn positively affects MSMEs' access to financing, with a path coefficient of 0.682. This indicates that MSMEs that adopt and regularly use accounting systems generate transparent and accurate financial reports, improving the chances of obtaining credit from financial institutions. The study highlights the importance of technology adoption in enhancing financial management practices, which ultimately leads to better financial accessibility for MSMEs. It also emphasizes the need for future research to include additional variables, such as managerial support and regulatory frameworks, for a more comprehensive understanding of system usage and financial access.

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