PENGARUH PERSEPSI KEMUDAHAN DAN PERSEPSI MANFAAT PENGGUNAAN E-MONEY TERHADAP TINGKAT PENJUALAN UMKM (Studi Pada UMKM Sektor Fashion di Kota Malang)

This study aims to analyze the effect of perceived convenience and perceived benefits of using e-money on the level of sales of MSMEs. The sampling method in this study used convenience sampling. This study uses respondent data as many as 88 respondents from SMEs in the fashion who use e-money. This study uses the associative method with a quantitative approach. The data analysis technique used SEM-PLS with SmartPLS 3.0 tool. The results obtained in this study indicate that the perceived ease of use of e-money has no effect on the level of sales, the perceived ease of use affects the perceived of Usefulness of using e-money, then the perceived of Usefulness of using e-money has a significant effect on the level of sales. Therefore, this research is very important for MSMEs as input in the context of applying technological advances