IMPACT ANALYSIS OF UTILIZING DIGITAL PAYMENT METHODS ON THE DEVELOPMENT OF IKAT WEAVING BUSINESSES IN KUPANG CITY
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Klaasvakumok J. Kamuri(1*)
Department of Business Administration, Kupang State Polytechnic, Kupang
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Irience R. A. Manongga(2)
Department of Business Administration, Kupang State Polytechnic, Kupang
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Andrias U. T. Anabuni(3)
Department of Business Administration, Kupang State Polytechnic, Kupang
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Yanti S. Giri(4)
Department of Business Administration, Kupang State Polytechnic, Kupang
(*) Corresponding Author
Keywords:
Digital Payment, Ikat Weaving, Busniness Development
Abstract
This study aims to examine the influence of digital marketing and influencer endorsements on consumer purchase intentions, with trust as a moderating variable. Using a quantitative approach with a sample of 96 Kedaita consumers, data were collected through structured questionnaires and analyzed using multiple regression and moderation analysis. The findings indicate that both digital marketing and influencer endorsement have a positive impact on purchase intention. Moreover, trust strengthens the relationship between the independent variables and purchase intention, indicating its essential role in enhancing the effectiveness of promotional strategies. The results provide us a deeper understanding of how trust functions within digital marketing dynamics, particularly for small businesses. However, the confinement of this study to a specific regional context and consumer segment may limit the generalizability of the results. Future research is suggested to explore other moderating variables and apply broader population samples to validate and expand the insights.
Keywords: Digital Payment; Ikat Weaving; Busniness Development
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References
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https://doi.org/https://doi.org/10.33369/insight.16.1
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Luu, L., Petratos, P. N., Nguyen, T., & Le, V. (2021). Financial technology (fintech). In A Practical Guide to Financial Services (pp. 143–171). Routledge. https://doi.org/10.4324/9781003227663-7
Mackenzie, A. (2015). The Fintech Refolution. London Business School Review, 26(3), 50–53. https://doi.org/10.1111/2057-1615.12059
Maharsi, H. C. (2024). The Growth of Digital Payments in Indonesia: Harnessing Its Influence for SMEs and Indonesia’s Competitiveness. Global South Review, 6(2), 54. https://doi.org/10.22146/globalsouth.95934
Mamulak, N. M. R. (2020). Kesiapan UMKM Tenun Ikat dalam Pemanfaatan Inovasi Teknologi E-Commerce di Kota Kupang. Jurnal Inovasi Kebijakan, 5(1), 1–11. https://doi.org/10.37182/jik.v5i1.53
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Ndoen, W. M. (2024). Analysis of Working Capital in Relation With income of The Small Weaving Industry in Kupang City. Journal of Multidisciplinary Academic Business Studies, 1(4), 667–675. https://doi.org/10.35912/jomabs.v1i4.2274
Nurohman, Y. A., Qurniawati, R. S., & Azhar, F. A. (2022). Pembayaran Digital Sebagai Solusi Transaksi Di Masa Pandemi Covid 19 (Studi Masyrakat Muslim Solo Raya). Among Makarti, 15(2). https://doi.org/10.52353/ama.v15i2.333
Pachouri, Dr. A. K. (2025). The impact of digital payment systems on consumer purchasing behavior. Shodh Sahitya, 3(4), 22–25.
https://doi.org/10.64249/2584-2447.vol.3.issue4.5
Primadineska, R. W. (2021). Pengaruh Penggunaan Sistem Pembayaran Digital terhadap Perilaku Beralih di Era Pandemi COVID-19. Telaah Bisnis, 21(2), 89. https://doi.org/10.35917/tb.v21i2.215
Sari, D. E., Selviana, E. A., Brilliani, Asila, N. F., & Jannah, M. (2022). The Effect of Financial Literature and Financial Technology on Financial Inclusion Among Accounting Student. International Journal of Social Science and Business, 6(3), 310–315. https://doi.org/10.23887/ijssb.v6i3.40508
Sinulingga, N. A. B., Ginting, P., Sembiring, B. K. F., & Silalahi, A. S. (2024). A Study Intention, Implementation and Adoption of E-Wallet in Indonesia. Journal of Infrastructure, Policy and Development, 8(11), 8857.
https://doi.org/10.24294/jipd.v8i11.8857
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https://doi.org/10.29303/akurasi.v7i1.480
Sumantri, H., Tukiran, M., & Hannan, S. (2023). Using Technology Acceptance Model (TAM Model) to Increase Effectiveness the Use of Human Resource Information System (HRIS). Jurnal Manajemen, 14(3), 344–363.
https://doi.org/10.32832/jm-uika.v14i3.14492
Sutikno, B. L., & Handayati, L. (2023). The Development of Ikat Weaving Industry in East Nusa Tenggara: Challenges and Opportunities. Journal of Cultural and Creative Industries, 12(3), 45–60. https://doi.org/10.5678/JCCI.2023.12.3.004
Vebrillia Santoso, & Romauli Nainggolan. (2023). Technology Acceptance Model (Tam): The Effect of Financial Literacy on Effectiveness of Using QRIS on MSMS Owners in Indonesia. International Journal of Economics, Business and Accounting Research(IJEBAR), 7(4), 1770–1779.
https://doi.org/https://doi.org/10.29040/ijebar.v7i4.11550
Wahyuni, S. R., Ulfa, M., Maisyarah, J., & Hendra K, J. (2025). Analisis Dampak Financial Technology (Fintech) Terhadap Inklusi Keuangan dan Perkembangan UMKM di Indonesia. JAMPARING: Jurnal Akuntansi Manajemen Pariwisata Dan Pembelajaran Konseling, 3(1), 244–249.
https://doi.org/10.57235/jamparing.v3i1.4761
Wewege, L., & Thomsett, M. C. (2019). The Digital Banking Revolution. De Gruyter. https://doi.org/10.1515/9781547401598
Alfarizi, M., Widiastuti, T., & Ngatindriatun. (2024). Exploration of Technological Challenges and Public Economic Trends Phenomenon in the Sustainable Performance of Indonesian Digital MSMEs on Industrial Era 4.0. Journal of Industrial Integration and Management, 09(01), 65–96. https://doi.org/10.1142/S2424862223500045
Amalia, F. (2016). The Fintech Book: The Financial Technology Handbook for Investors, Entrepreneurs and Visionaries. Journal of Indonesian Economy and Business, 31(3). https://doi.org/10.22146/jieb.23554
Anggara, Z. R., & Hadi R., R. J. (2024). The Indonesia Digital Payment Puzzle: Unraveling User Segmentation via Transaction Behaviors. Journal Of Economics, Finance And Management Studies, 07(01). https://doi.org/10.47191/jefms/v7-i1-65
Anwar, A., Rahmadhani, F., Mainake, M. T., & Assegaff, S. S. (2024). Pemanfaatan E-Money dalam Transaksi Jual Beli Online di Era Digital Bagi Siswa SMA Negeri 6 Ambon. Jurnal Pengabdian Pada Masyarakat METHABDI, 4(2), 229–239. https://doi.org/10.46880/methabdi.Vol4No2.pp229-239
Armutcu, B., Tan, A., Amponsah, M., Parida, S., & Ramkissoon, H. (2023). Tourist behaviour: The role of digital marketing and social media. Acta Psychologica, 240, 104025. https://doi.org/10.1016/j.actpsy.2023.104025
Astari, C. P., Wahyuni, F. P., Larasati, D. A., Nuranjani, D., & Fadilla, A. (2024). Pengaruh Penggunaan Transaksi Digital Terhadap Pertumbuhan Ekonomi Akibat Dari Pandemi Covid-19. Journal of Business and Halal Industry, 1(3), 1–10. https://doi.org/10.47134/jbhi.v1i3.224
Astuti, W. A. (2022). Impact of Finance Technology on Profit at Sharia Banks in Bandung. International Journal of Research and Applied Technology, 2(2), 144–153. https://doi.org/10.34010/injuratech.v2i2.8312
Barroso, M., & Laborda, J. (2022). Digital Transformation and The Emergence of The Fintech Sector: Systematic Literature Review. Digital Business, 2(2), 100028. https://doi.org/10.1016/j.digbus.2022.100028
Calvarita, B. N. N., Skolastika, S. I., & Tri, A. S. (2021). Aplikasi Penjualan Pada Rumah Tenun Ikat Ina Ndao Dengan Menggunakan Business To Consumer (B2C). Prosiding Semau , 143–149.
Debbi, C. O., Sari, W., Esa, S., Khadizah, H., & Ita, M. (2024). Trust in Adopting Digital Payment Systems for MSMEs. IJRS: International Journal Reglement & Socielty, 4(3), 229–237. https://doi.org/https://doi.org/10.55357/ijrs.v4i3.410
Enjelina, D. K., Yoseba, P., & Erna G. G. (2025). Perencanaan Produksi Tenun Ikat Ina Sabu di Kota Kupang. E-BISNIS: Jurnal Ilmiah Ekonomi Dan Bisnis, 18(1), 229–240. https://doi.org/10.51903/e-bisnis.v18i1.2404
Fariza, R., A. (2024). Digital Payments and Regional Financial Intermediation. The International Journal of Financial Systems, 2(2), 217–248. https://doi.org/10.61459/ijfs.v2i2.71
Herowati, E. (2024). The Effect of Implementing the Technology Acceptance Model (TAM) on Shopping Intention (Behavioral Intention) Using Paylater. Indonesian Journal of Interdisciplinary Research in Science and Technology, 2(1), 1–20. https://doi.org/10.55927/marcopolo.v2i1.7891
Khoyatu, R., Lina, N., Reshanty, D. N. M., & Abdul, Y. (2021). Pengaruh Digital Payment Terhadap Perilaku Konsumen Di Era Revolusi Industri 4.0 (Studi Kasus Pengguna Platform Digital Payment OVO). Managament Insight: Jurnal Ilmiah Manajemen, 16(1), 107–126.
https://doi.org/https://doi.org/10.33369/insight.16.1
Kofi, M. V., Tungga, C. A., & Kiak, N. T. (2023). The Influence of the Use of Fintech on the Development of Literacy and Financial Inclusion Among MSMEs in Kupang City. Formosa Journal of Sustainable Research, 2(10), 2531–2546. https://doi.org/10.55927/fjsr.v2i10.6324
Luu, L., Petratos, P. N., Nguyen, T., & Le, V. (2021). Financial technology (fintech). In A Practical Guide to Financial Services (pp. 143–171). Routledge. https://doi.org/10.4324/9781003227663-7
Mackenzie, A. (2015). The Fintech Refolution. London Business School Review, 26(3), 50–53. https://doi.org/10.1111/2057-1615.12059
Maharsi, H. C. (2024). The Growth of Digital Payments in Indonesia: Harnessing Its Influence for SMEs and Indonesia’s Competitiveness. Global South Review, 6(2), 54. https://doi.org/10.22146/globalsouth.95934
Mamulak, N. M. R. (2020). Kesiapan UMKM Tenun Ikat dalam Pemanfaatan Inovasi Teknologi E-Commerce di Kota Kupang. Jurnal Inovasi Kebijakan, 5(1), 1–11. https://doi.org/10.37182/jik.v5i1.53
Meidyasari, S. (2024). The Impact of Digital Economy in Driving Economic Growth and Development in Indonesia. Interdiciplinary Journal and Hummanity (INJURITY), 3(11), 777–783. https://doi.org/10.58631/injurity.v3i11.1306
Mekarisce, A. A. (2020). Teknik Pemeriksaan Keabsahan Data pada Penelitian Kualitatif di Bidang Kesehatan Masyarakat. Jurnal Ilmiah Kesehatan Masyarakat : Media Komunikasi Komunitas Kesehatan Masyarakat, 12(3), 145–151. https://doi.org/10.52022/jikm.v12i3.102
Moleong, L. J. (2019). Metode Penelitian Kualitatif (Revisi). Rosda.
Ndoen, W. M. (2024). Analysis of Working Capital in Relation With income of The Small Weaving Industry in Kupang City. Journal of Multidisciplinary Academic Business Studies, 1(4), 667–675. https://doi.org/10.35912/jomabs.v1i4.2274
Nurohman, Y. A., Qurniawati, R. S., & Azhar, F. A. (2022). Pembayaran Digital Sebagai Solusi Transaksi Di Masa Pandemi Covid 19 (Studi Masyrakat Muslim Solo Raya). Among Makarti, 15(2). https://doi.org/10.52353/ama.v15i2.333
Pachouri, Dr. A. K. (2025). The impact of digital payment systems on consumer purchasing behavior. Shodh Sahitya, 3(4), 22–25.
https://doi.org/10.64249/2584-2447.vol.3.issue4.5
Primadineska, R. W. (2021). Pengaruh Penggunaan Sistem Pembayaran Digital terhadap Perilaku Beralih di Era Pandemi COVID-19. Telaah Bisnis, 21(2), 89. https://doi.org/10.35917/tb.v21i2.215
Sari, D. E., Selviana, E. A., Brilliani, Asila, N. F., & Jannah, M. (2022). The Effect of Financial Literature and Financial Technology on Financial Inclusion Among Accounting Student. International Journal of Social Science and Business, 6(3), 310–315. https://doi.org/10.23887/ijssb.v6i3.40508
Sinulingga, N. A. B., Ginting, P., Sembiring, B. K. F., & Silalahi, A. S. (2024). A Study Intention, Implementation and Adoption of E-Wallet in Indonesia. Journal of Infrastructure, Policy and Development, 8(11), 8857.
https://doi.org/10.24294/jipd.v8i11.8857
Sugiyono. (2022). Metode Penelitian Kualitatif Untuk Penelitian Yang Bersifat: Eksploratif, Entrepretif, Interaktif, dan Konstruktif. Alfabeta.
Suhardjo, I., Meiliana, Tan, N., Andreas, K., & Julia. (2024). Is Fintech a Sustainable Business Model for The Future? Empirical Study in Indonesia. Akurasi : Jurnal Studi Akuntansi Dan Keuangan, 7(1), 67–88.
https://doi.org/10.29303/akurasi.v7i1.480
Sumantri, H., Tukiran, M., & Hannan, S. (2023). Using Technology Acceptance Model (TAM Model) to Increase Effectiveness the Use of Human Resource Information System (HRIS). Jurnal Manajemen, 14(3), 344–363.
https://doi.org/10.32832/jm-uika.v14i3.14492
Sutikno, B. L., & Handayati, L. (2023). The Development of Ikat Weaving Industry in East Nusa Tenggara: Challenges and Opportunities. Journal of Cultural and Creative Industries, 12(3), 45–60. https://doi.org/10.5678/JCCI.2023.12.3.004
Vebrillia Santoso, & Romauli Nainggolan. (2023). Technology Acceptance Model (Tam): The Effect of Financial Literacy on Effectiveness of Using QRIS on MSMS Owners in Indonesia. International Journal of Economics, Business and Accounting Research(IJEBAR), 7(4), 1770–1779.
https://doi.org/https://doi.org/10.29040/ijebar.v7i4.11550
Wahyuni, S. R., Ulfa, M., Maisyarah, J., & Hendra K, J. (2025). Analisis Dampak Financial Technology (Fintech) Terhadap Inklusi Keuangan dan Perkembangan UMKM di Indonesia. JAMPARING: Jurnal Akuntansi Manajemen Pariwisata Dan Pembelajaran Konseling, 3(1), 244–249.
https://doi.org/10.57235/jamparing.v3i1.4761
Wewege, L., & Thomsett, M. C. (2019). The Digital Banking Revolution. De Gruyter. https://doi.org/10.1515/9781547401598
Published
2025-11-05
How to Cite
Kamuri, K., Manongga, I., Anabuni, A., & Giri, Y. (2025). IMPACT ANALYSIS OF UTILIZING DIGITAL PAYMENT METHODS ON THE DEVELOPMENT OF IKAT WEAVING BUSINESSES IN KUPANG CITY. Journal of Management : Small and Medium Enterprises (SMEs), 18(3), 1897-1911. https://doi.org/10.35508/jom.v18i3.22007
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