Persepsi Nasabah Tentang Program Layanan Mobile UGT pada BMT UGT Nusantara Capem Labang dalam Meningkatkan Literasi Keuangan Digital di Kalangan Masyarakat

Inayatur Rohimah; Anizah Anizah; Mashudi Mashudi

doi:10.61132/eksap.v3i1.1943

Authors

Inayatur Rohimah Sekolah Tinggi Agama Islam Darul Hikmah
Anizah Anizah Sekolah Tinggi Agama Islam Darul Hikmah
Mashudi Mashudi Sekolah Tinggi Agama Islam Darul Hikmah

DOI:

https://doi.org/10.61132/eksap.v3i1.1943

Keywords:

BMT, Customer Perception, Digital Financial Literacy, Islamic Finance, Mobile UGT

Abstract

The development of digital technology has driven the transformation of financial services, including in Islamic microfinance institutions. One form of innovation is the implementation of mobile banking services, which aims to improve transaction efficiency and digital financial literacy among the public. This study aims to analyze customer perceptions of the Mobile UGT service program at BMT UGT Nusantara Labang Branch and its role in improving digital financial literacy among the public. This study uses a qualitative approach with a descriptive method. Data was collected through in-depth interviews, observations, and documentation of five active customers who have used the Mobile UGT service. The results show that customers generally have a positive perception of the Mobile UGT service. The application is considered easy to use, practical, and able to facilitate various financial transactions such as checking balances, transferring funds, and making payments, without having to come directly to the BMT office. In addition to increasing transaction efficiency, the use of Mobile UGT also contributes to improving customers' digital financial literacy, as reflected in their increased understanding of income and expenditure management, budget planning, utilization of digital transaction features, and awareness of data and account security. However, this study also found several obstacles, mainly related to technical disruptions to the application and internet network limitations. Overall, the Mobile UGT service plays an important role in supporting customers' financial independence and digital financial inclusion. This study recommends strengthening technological infrastructure and continuing education programs to optimize the benefits of digital financial services in the BMT environment.

Downloads

Download data is not yet available.

References

Alamir, I. (2024). Extended Technology Acceptance Model (TAM) for evaluating digital banking adoption in Saudi Arabia. Al-Migalat Al-Ilmayat Li-Gamiat Al-Malik Faisal, 63–70. https://doi.org/10.37575/h/mng/240043

Amelia, S. R., Anah, L., & Ulya, W. (2025). Ketika inflasi dan ketidakpastian menekan: Refleksi doom spending dan pentingnya literasi ekonomi. Perwira Journal of Economics and Business, 5(2), 228–240. https://doi.org/10.54199/pjeb.v5i2.589

Anand, D. (2024). Customer perception towards digital transaction. Indian Scientific Journal of Research in Engineering and Management. https://doi.org/10.55041/ijsrem34339

Chan, S. W., Lu, S., Cheng, N. H. C., Chui, C. H.-K., & Yat-Sang Lum, T. (2025). Promoting charitable donations and volunteering through nudge tools from the perspective of behavioral economics: A systematic review. Nonprofit and Voluntary Sector Quarterly, 54(2), 435–461. https://doi.org/10.1177/08997640241258140

Choung, Y., Chatterjee, S., & Pak, T. (2023). Digital financial literacy and financial well-being. Finance Research Letters, 58, 104438. https://doi.org/10.1016/j.frl.2023.104438

Chun, M. M., & Most, S. B. (2021). Perception and mental imagery. Cognition. https://doi.org/10.1093/hesc/9780199950638.003.0003

Citra, K. A., Zainal, V. R., Nurwahidin, N., Mutaqqin, M. I., & Fatwa, N. (2025). The development of Indonesia's halal industry from a macroeconomic perspective: A critical review. Dinasti International Journal of Education Management and Social Science (DIJEMSS), 6(6), 4304–4316. https://doi.org/10.38035/dijemss.v6i6.4948

Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. Management Information Systems Quarterly, 13(3), 319–340. https://doi.org/10.2307/249008

Fardania, N., & Pradikto, S. (2025). Pengaruh strategi pemasaran dengan teknik tradisional dan online terhadap hasil penjualan. Jurnal Ekonomi, Akuntansi Dan Perpajakan, 2(1), 70–85. https://doi.org/10.61132/jeap.v2i1.766

Fitara, I. A., Rizoni, I., Ardiansyah, F., & Ardana, Y. (2025). Pengaruh persepsi masyarakat, keamanan, dan pengetahuan masyarakat terhadap evaluasi masyarakat menggunakan mobile banking pada Bank Syariah Indonesia. Journal of Artificial Intelligence and Digital Business, 4(2), 1072–1079. https://doi.org/10.31004/riggs.v4i2.598

Fitrianih, O., & Hidayatullah, M. S. (2025). Digital experience dalam perbankan syariah: Pengaruh layanan BSI Mobile terhadap kepuasan nasabah. Bismaku, 2(2). https://doi.org/10.35760/bismaku.2025.v2i2.14616

Golden, W. J., & Cordie, L. (2022). Digital financial literacy. Adult Literacy Education, 4(3), 20–26. https://doi.org/10.35847/wgolden.lcordie.4.3.20

Hasanudin, H., & Faeni, D. P. (2025). Transformasi strategi bisnis perbankan konvensional melalui inovasi, keberlanjutan, dan penguatan SDM di era digital. Deleted Journal, 2(9), 4324–4333. https://doi.org/10.62335/sinergi.v2i9.1714

Hassan, S., Ahmad, R., Katuk, N., Ghazali, N. N., Aripin, J. A., & Ali, F. (2024). Staying one step ahead: Exploring protection motivation theory to combat cyber-fraud among e-services users. Procedia Computer Science, 234, 1364–1371. https://doi.org/10.1016/j.procs.2024.04.011

Kamil, W. A. R., Bakhor, S. A. S. M., Luna-Martinez, J. de, Zhang, W. G., & Aziz, A. H. B. A. (2019). Islamic green finance: Development, ecosystem and prospects (pp. 1–111). World Bank. https://documents.worldbank.org/curated/en/591721554824346344/Islamic-Green-Finance-Development-Ecosystem-and-Prospects

Kasri, R. A. (2022). Islamic banking in Indonesia: New perspectives on monetary and financial issues. Bulletin of Indonesian Economic Studies, 50(3), 500–502. https://doi.org/10.1080/00074918.2014.980391

Kenyon, G. N., & Sen, K. C. (2022). The perception process (pp. 41–50). Springer. https://doi.org/10.1007/978-1-4471-6627-6_5

Kostakis, V., Niaros, V., & Giotitsas, C. (2015). Open source 3D printing as a means of learning: An educational experiment in two high schools in Greece. Telematics and Informatics, 32(1), 118–128. https://doi.org/10.1016/j.tele.2014.05.001

Kuosuwan, B., Risman, A., Dudukalov, E., & Kozlova, E. (2024). Digital banking and environmental impact: How Fintech supports carbon footprint reduction. BIO Web of Conferences, 145, 5017. https://doi.org/10.1051/bioconf/202414505017

Kuriachan, A., Thomas, R. W., & Sukanya, R. (2024). Place-based strategies, multichannel merger, and context-driven alerts for engagement with mobile marketing. In IGI Global (pp. 198–229). https://doi.org/10.4018/978-8-3693-1339-8.ch012

Latif, K. A., Mahmood, N. H. N., & Ali, N. R. M. (2019). Exploring the changing human resource management role in the context of digital banking transformation. OIJ International Journal, 7(2), 1–13. https://oiji.utm.my/index.php/oiji/article/view/59

Li, Y., & Fisher, I. (2022). Digital financial literacy, risk aversion, and college students' online security behavior. In Proceedings of the IEEE BigData (pp. 4807–4811). https://doi.org/10.1109/BigData55660.2022.10020556

Meena, R. P. (2024). Unraveling the future: Emerging trends of financial literacy in the digital age. Indian Scientific Journal of Research in Engineering and Management. https://doi.org/10.55041/ijsrem29263

Mir, M. A. B. (2024). Digital financial literacy and financial well-being. In IGI Global (pp. 57–73). https://doi.org/10.4018/978-8-3693-1750-1.ch003

Munawar, W., Kurnia, T., Maryani, N., Laeli, S., Dewi, A., & Sutriadi, D. (2022). Peningkatan kapasitas anggota BMT Kabandungan dalam pemanfaatan teknologi digital berbasis aplikasi mobile online dengan metode popular education. Almujtamae, 2(3), 224–231. https://doi.org/10.30997/almujtamae.v2i3.7350

Nihayah, N., & Purnama, N. (2024). Evaluation of digital banking application adoption based on the Technology Acceptance Model (TAM). https://doi.org/10.46729/ijstm.v5i2.1083

Oktavia, N. T. (2024). Sistem aplikasi mobile usaha gabungan terpadu (UGT) Nusantara dalam meningkatkan literasi keuangan syariah digital masyarakat. Jurnal Sistem Informasi, Manajemen dan Teknologi Informasi, 2(2), 1–8. https://doi.org/10.33020/jsimtek.v2i2.660

Rajasree, R., & Ragini, R. D. (2025). Digital and financial literacy and its impact on financial decision. AIJFR, 6(4). https://doi.org/10.63363/aijfr.2025.v06i04.1130

Rukiah, R. (2024). Exploring customer experiences and perceptions towards the implementation of digital banking services: A case study of millennials in Mandailing Natal. Deleted Journal, 1(2), 142–153. https://doi.org/10.62569/iijb.v1i2.22

Sabila, V. P., & Hasnawati, H. (2024). The influence of financial literacy and digital literacy on mobile banking adoption. Syntax Literate: Jurnal Ilmiah Indonesia, 9(11), 6640–6652. https://doi.org/10.36418/syntax-literate.v9i11.17004

Salim, H., & Susetyo, A. B. (2025). Peran teknologi finansial dalam inovasi layanan perbankan syariah. Jurnal Ekonomi dan Bisnis, 4(2), 103–113. https://doi.org/10.33633/jekobs.v4i2.13158

Shapovalova, A., & Munister, V. D. (2022). Financial literacy and its multi-factory model in conditions of digital economic transformation. Вестник НГУЭУ, 2, 102–119. https://doi.org/10.34020/2073-6495-2022-2-102-119

Sihombing, J. A., Tarigan, J. E., Margaret, N. T., Lubis, P. A. U., Nabillah, R., Manalu, R. H. R., & Kuntuy, J. (2024). Perkembangan Baitul Maal Wat Tamwil (BMT) pada periode 2014–2019 di Indonesia. Jurnal Ilmiah Ekonomi, Akuntansi dan Pajak, 1(4), 153–159. https://doi.org/10.61132/jieap.v1i4.652

Singh, V., & Sinha, K. (2025). Application of the Technology Acceptance Model (TAM) in the context of NBFC customers. International Journal of Latest Technology in Engineering Management & Applied Science, 14(7), 846–855. https://doi.org/10.51583/ijltemas.2025.1407000102

Solekha, Y. A., Murdianah, A. Q., Lestari, N. S., & Asytuti, R. (2024). Baitul Maal Wa Tamwil sebagai lembaga keuangan mikro syariah pemberdaya ekonomi umat (konsep dan teori). https://doi.org/10.28918/velocity.v1i1.3647

Sudjana, K., & Rizkison, R. (2020). Peran Baitul Maal Wat Tamwil (BMT) dalam mewujudkan ekonomi syariah yang kompetitif. Jurnal Ilmiah Ekonomi Islam, 6(2), 175. https://doi.org/10.29040/jiei.v6i2.1086

Sujood, Arwab, M., & Hamid, S. (2023). Post-pandemic intention of the tourism and hospitality (T&H) industry employees towards the use of information technology. Tourism Hospitality Management, 29(2), 279–295. https://doi.org/10.20867/thm.29.2.12

Turco, E., Robba, M., & Iannello, P. (2024). La Multidimensional Financial Literacy Scale: Proposta di un nuovo strumento per la misurazione della financial literacy. RICERCHE DI PSICOLOGIA, PRE. https://doi.org/10.3280/rip2023oa18192

Wahab, F., & Ihsan, M. (2025). Revolusi digital perbankan syariah: Mendorong inovasi keuangan Islam di Indonesia. 2(2), 87–99. https://doi.org/10.63321/jifsb.v2i2.74

Wibowo, H. A., Pradana, C. H. A., & Faizin, N. (2020). Wakaf saham di Indonesia dan pengaturannya. Lex Librum: Jurnal Ilmu Hukum, 9(2). https://doi.org/10.46839/lljih.v9i2.391

World Bank. (2022). Commodity markets outlook April 2022. Commodity Market, 6. https://openknowledge.worldbank.org/bitstream/handle/10986/37223/CMO-April-2022-executive-summary.pdf

Zaini, F., Shuib, M. S., & bin Ahmad, M. (2021). The prospect of sharia banking in Indonesia (opportunities, challenges and solutions). 2(4), 1–14. https://doi.org/10.35409/ijbmer.2019.2401