Inklusi Keuangan Digital, Kesadaran Lingkungan pada Adopsi Motor Listrik di Sulawesi Utara

Sophia Tulenan; Melisa Gosal

doi:10.31004/riggs.v4i4.5751

Authors

Sophia Tulenan Sam Ratulangi University
Melisa Gosal Universitas Sam Ratulangi

DOI:

https://doi.org/10.31004/riggs.v4i4.5751

Keywords:

Inklusi Keuangan Digital, Kesadaran Lingkungan, Nilai yang dirasakan, Adopsi Motor Listrik, Mahasiswa Universitas

Abstract

Penelitian ini dilatarbelakangi oleh dorongan pemerintah Indonesia untuk meningkatkan adopsi motor Listrik dalam mendukung pembangunan rendah karbon, namun adopsi sepeda motor listrik masih terbatas di luar kota besar. Di sisi lain, penggunaan layanan keuangan digital untuk memudahkan pembelian semakin berkembang pesat khususnya di kalangan anak muda. Studi ini bertujuan untuk meneliti bagaimana inklusi keuangan digital dan kesadaran lingkungan membentuk nilai yang dirasakan dan niat untuk mengadopsi sepeda motor listrik di kalangan mahasiswa di provinsi Sulawesi Utara. Penelitian ini dilakukan terhadap 350 mahasiswa di Sulawesi Utara dengan kriteria tertentu. Model pengukuran telah melewati uji validitas dan reliabilitas, lalu diolah menggunakan Partial Least Squares Structural Equation Modeling. Hasil uji menunjukkan bahwa Inklusi keuangan digital dan Kesadaran lingkungan sama-sama memberikan pengaruh positif dan signifikan terhadap nilai yang dirasakan, dan bahwa nilai yang dirasakan sangat meningkatkan niat untuk mengadopsi sepeda motor listrik. Namun, pengaruh langsung Inklusi keuangan digital dan Kesadaran lingkungan terhadap Niat adopsi tidak signifikan secara statistik, menunjukkan pola mediasi secara tidak langsung yang bekerja melalui nilai yang dirasakan terhadap niat adopsi motor listrik. Temuan ini menjelaskan bahwa di kalangan mahasiswa yang memiliki Inklusi keuangan digital dan Kesadaran lingkungan, sepeda motor listrik menjadi pilihan ketika dianggap memberikan nilai bagi pengguna kendaraan motor listrik. Kesiapan keuangan digital dan tingkat kesadaran lingkungan saja belum cukup untuk mendorong niat mengadopsi motor listrik tanpa adanya persepsi nilai yang jelas dan meyakinkan di kalangan calon pengguna muda untuk di daerah Sulawesi Utara.

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