This study examines the acceptance factors, barriers, benefits, and strategies for resolving Information and Communication Technology (ICT) adoption and usage problems based on the different demographic characteristics of SMEs. The demographic characteristics investigated are gender, educational qualifications, age, managerial status, and years of business experience. To the best of our knowledge, this paper is the first to examine a more comprehensive demographic characteristics in the context of ICT adoption. A survey using selfadministered questionnaires was conducted to retrieve information from SME owners/managers in Pekalongan, the local city of Indonesia. The items in the questionnaire were discussed with various experts in the field and a pilot study was conducted prior to the distribution of the research instrument. The study made some interesting findings. No significant differences were found in the SMEs’ adoption factors between the demographics of gender groups and educational qualifications. However, significant disparities were found to exist among the age compositions, managerial status, and years in business. Additionally, younger managers/owners of SMEs find it easier to understand the background factors of ICT adoption. Lastly, older managers/owners are more likely to stick to the organizational status quo, be less able to learn new technology, and more likely to avoid risky decisions.

Abstract
1. Introduction
2. SMEs, Theories, and Previous Studies
    2.1. SMEs In Indonesia
    2.2. Theories and Previous Studies
3. Research Method
4. Results and Discussions
    4.1. Demographic Profile
    4.2. SMEs’ ICT Tools
    4.3. Hypothesis Testing
5. Conclusions, Implications, and FutureStudies
References

• Hadri KUSUMA(School of Accounting, Universitas Islam Indonesia) Corresponding Author
• Muafi MUAFI(School of Management, Universitas Islam Indonesia)
• Hendy Mustiko AJI(School of Management, Universitas Islam Indonesia)
• Sigit PAMUNGKAS(School of Accounting, Universitas Islam Indonesia)