THE INTENTION ANALYSIS OF THE UTILIZATION AND USE OF CREDIT ANALYSIS SOFTWARE : UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY (UTAUT) APPROACH

This study aims to test the intention analysis of the utilization and use of credit analysis software : Unified Theory Of Acceptance And Use Of Technology (UTAUT) Approach. There are 80 samples used in this study. They are employees from analyst credit department. The independent variable of this study is performance expectation, effort expectation, and social factors, while the dependent variable is the interest of utilizing and using SI. This study uses multiple regression analysis with SPSS version 16.0. As the result, from the first hypothesis test, it shows that performance expectation provides a positive influence to the intention of credit analysis software utilization. Whilstthe second hypothesis test shows that effort expectation gives a good influence towards the intention of credit analysis software utilization as well. As the third hypothesis test shows that the social factors influence the utilization of credit analysis software in a positive way. In the fourth hypothesis test, it shows that the facilitating condition positively influences the intention of utilizing credit analysis software. Equally in the fifth hypothesis test whichthe intention of utilization gives a good impact to the intention of utilizing credit analysis software