FAKTOR-FAKTOR PENERIMAAN LITERASI DIGITAL DAN KEUANGAN SYARIAH PADA ANGGOTA KOPERASI AL BAROKAH DESA BRABASAN: STUDI KUALITATIF BERDASARKAN TEORI TECHNOLOGY ACCEPTANCE MODEL (TAM)

Frasha, Aurora Yatin (2026) FAKTOR-FAKTOR PENERIMAAN LITERASI DIGITAL DAN KEUANGAN SYARIAH PADA ANGGOTA KOPERASI AL BAROKAH DESA BRABASAN: STUDI KUALITATIF BERDASARKAN TEORI TECHNOLOGY ACCEPTANCE MODEL (TAM). Diploma thesis, UIN Raden Intan Lampung.

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Abstract

ABSTRAK Literasi digital dan keuangan syariah menjadi aspek penting bagi anggota koperasi di era digital, namun kesenjangan digital, minimnya pemahaman prinsip syariah, dan hambatan adopsi teknologi masih menghambat penerimaan di Koperasi Al Barokah Desa Brabasan. Variasi penerimaan anggota dipengaruhi oleh faktor internal (pendidikan, motivasi) dan eksternal (akses teknologi, dukungan pengurus), yang berpotensi menurunkan kepercayaan dan partisipasi dalam layanan digital syariah. Penelitian ini bertujuan mengidentifikasi dan menganalisis faktorfaktor penerimaan literasi digital dan keuangan syariah melalui kerangka Technology Acceptance Model (TAM). Pendekatan kualitatif deskriptif dan eksploratif digunakan di Koperasi Al Barokah, Kabupaten Mesuji, dengan data yang dikumpulkan melalui wawancara mendalam, observasi, dan dokumentasi terhadap 10 informan terpilih. Analisis data dilakukan menggunakan model interaktif Miles dan Huberman dengan triangulasi dan member check. Hasil penelitian menunjukkan penerimaan dipengaruhi oleh perceived usefulness (manfaat efisiensi dan transparansi), perceived ease of use (kemudahan penggunaan), attitude toward use (sikap positif dari pengalaman), behavioral intention (minat penggunaan dengan dukungan), serta faktor eksternal seperti pengetahuan syariah, akses teknologi, dukungan pengurus, lingkungan sosial, dan religiusitas. Penerimaan literasi digital dan keuangan syariah merupakan proses multidimensional yang membutuhkan dukungan institusional, sementara TAM terbukti relevan untuk memahami adaptasi teknologi di koperasi pedesaan. Kata kunci: Literasi Digital, Literasi Keuangan Syariah, Technology Acceptance Model (TAM), Penerimaan Teknologi, Koperasi Pedesaan. ABSTRACT Digital literacy and Islamic financial literacy are essential for cooperative members in the digital era; however, digital gaps, limited understanding of Sharia principles, and technology adoption barriers still hinder acceptance at Al Barokah Cooperative in Brabasan Village. Variations in members‟ acceptance are influenced by internal factors (education, motivation) and external factors (technology access, managerial support), which may reduce trust and participation in digital Sharia-based services. This study aims to identify and analyze the factors influencing the acceptance of digital literacy and Islamic financial literacy using the Technology Acceptance Model (TAM). A descriptive and explorative qualitative approach was employed at Al Barokah Cooperative, Mesuji Regency, with data collected through in-depth interviews, observations, and documentation from 10 purposively selected informants. Data analysis used Miles and Huberman‟s interactive model with triangulation and member checking for validation. The findings indicate that acceptance is shaped by perceived usefulness (efficiency and transparency benefits), perceived ease of use (interface simplicity), attitude toward use (positive experiences), behavioral intention (strong intention supported by guidance), and external factors such as Sharia knowledge, technology access, managerial support, social environment, and religiosity. The acceptance of digital and Islamic financial literacy is a multidimensional process that requires institutional support, and TAM proves to be a relevant framework for understanding technology adaptation in rural cooperative settings. Keywords: Digital Literacy, Islamic Financial Literacy, Technology Acceptance Model (TAM), Technology Acceptance, Rural Cooperatives.

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