Factors Affecting Consumer Interest In Electronic Money Usage With Theory Of Planned Behavior (TPB)

Nugroho, Anton Priyo; Najib, Mukhamad; Simanjuntak, Megawati

doi:10.29244/jcs.3.1.15-27

Cited by 34 publications

(45 citation statements)

References 3 publications

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“…The result is in line with the research of Lestari et al (2017) stating that subjective norm affected on the intention to possess a credit card. Alam (2011) andNugroho et al (2018) also showed that subjective norm had significant influence on one's intention.…”

Section: Figure 1 Sem-pls Model Loading Factor Of Variablesmentioning

confidence: 95%

Customer Purchase Intention on Sharia Mutual Fund Products: A TPB Approach

Octarina¹,

Hartoyo²,

Beik³

2019

JCS

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This study aimed to determine the influence of variables in TPB (attitude toward behavior, perceived behavioral control, subjective norm), religiosity, knowledge, and risk perception to intention purchase of sharia mutual fund. The sample in this study was customer of Bank Sharia XYZ of 164 customers. The analysis applied in this study was Structural Equation Modeling-Partial Least Square. The result of this research showed that the independent variable had positive and significant influence to dependent variables attitude toward behavior and subjective norm. Religiosity and knowledge have no significant influence toward intention to purchase, while perceived behavioral control and risk perception had no significant influence with intention to purchases. The other result showed that religiosity had a positive significant influence to attitude toward behavior. The conclusion of this research shown that religiosity is the factor which influence attitude toward behavior, attitude toward behavior and subjective norm are the factors which influence intention purchase of sharia mutual fund. AbstrakPenelitian ini bertujuan untuk menganalisis pengaruh variabel TPB (sikap terhadap perilaku, kontrol perilaku persepsi, norma subjektif), religiusitas, pengetahuan, dan persepsi risiko terhadap minat nasabah membeli reksa dana syariah. Jumlah sampel dalam penelitian ini adalah 164 responden. Metode analisis yang digunakan dalam penelitian ini adalah Structural Equation Modeling-Partial Least Square. Hasil penelitian menunjukkan bahwa sikap terhadap perilaku dan norma subjektif berpengaruh positif dan signifikan terhadap minat beli nasabah, sedangkan kontrol perilaku dan persepsi risiko memiliki hasil tidak signifikan terhadap minat beli nasabah. Hasil lainnnya menunjukkan bahwa religiusitas memiliki pengaruh positif dan signifkan terhadap sikap terhadap perilaku. Kesimpulan dari penelitian ini adalah religiusitas merupakan faktor yang mempengaruhi sikap terhadap perilaku, sikap terhadap perilaku dan norma subjektif merupakan faktor yang mempengaruhi minat nasabah membeli reksa dana syariah. Kata kunci: minat, pengetahuan, religiusitas, persepsi risiko, TPB

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Section: Figure 1 Sem-pls Model Loading Factor Of Variablesmentioning

confidence: 95%

Customer Purchase Intention on Sharia Mutual Fund Products: A TPB Approach

Octarina¹,

Hartoyo²,

Beik³

2019

JCS

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“…Referen dapat berupa anggota keluarga, teman, sahabat, atasan, bawahan dan seorang ahli (Schiffman & Kanuk, 2010). Nugroho (2018) menggunakan empat acuan dalam penilaian norma subjektif terhadap penggunaan uang elektronik sebagai alat pembayaran yakni pengaruh anjuran anggota keluarga, rekan (teman), lingkungan sosial dan anjuran guru/dosen. Ajzen (2012) menyatakan bahwa variabel persepsi kendali perilaku adalah sebagai seberapa jauh seseorang percaya atau merasa mampu untuk melakukan sesuatu.…”

Section: Tinjauan Pustakaunclassified

“…Variabel kendali perilaku ini ditentukan oleh keyakinan individu mengenai kekuatan faktor eksternal dan faktor internal untuk memfasilitasi perilaku. Nugroho (2018) menggunakan tiga indikator penilaian kendali perilaku terhadap penggunaan uang elektronik sebagai alat pembayaran yakni karena mengetahui manfaatnya, dapat digunakan untuk berbagai transaksi pembayaran dan mempunyai jaringan merchant yang luas dan mudah ditemukan.…”

Section: Tinjauan Pustakaunclassified

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Pengaruh Sikap, Norma Subjektif, Kendali Perilaku Dan Religiusitas Terhadap Intensi Menggunakan Uang Elektronik

2019

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The purpose of this study was to examine the factors of attitude, subjective norms, behavioral control, and religiosity towards the intention to use electronic money on YARSI University students. Based on a literature review, this research hypothesis states that attitudes, subjective norms, behavioral control, and religiosity affect intention. This study uses survey data from questionnaires to 127 respondents. Hypothesis testing techniques are done by using SEM analysis with Lisrel software. The results of data processing indicate that the Attitude Variable, Subjective Norms, Behavioral Control, and Religiosity have a significant influence on the intention to use electronic money. Intention variable has a significant effect on behavior using electronic money with a t value of 7.86. Behavioral Control Variables and subjective norms have a greater influence on the intention to use electronic money than other variables. Suggestions based on research results: first, it is necessary to expand information to the public about the benefits of using electronic money. Second, it is necessary to increase the number of merchants or expand the place of use so that the use of electronic money becomes more extensive and maximal.

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“…Penelitian-penelitian sebelumnya yang membahas tentang niat menggunakan e-money di Indonesia yaitu di daerah Yogyakarta dengan kerangka theory of planned behavior (TPB) [10] mendapatkan hasil bahwa niat menggunakan e-money lebih dipengaruhi oleh faktor internal seperti pandangan internal terhadap e-money (attitude) dan kepercayaan diri (perceived behavioral control) daripada faktor eksternal seperti tekanan sosial (subjective norms). Sedangkan pada studi serupa di daerah Jakarta, yang juga dengan menggunakan kerangka TPB, niat menggunakan e-money berbasis server dipengaruhi oleh kepercayaan diri dan tekanan sosial tetapi tidak dipengaruhi oleh pandangan internal akan e-money [11].…”

Section: Pendahuluanunclassified

Ekstensi TAM untuk Memprediksi Niat Menggunakan E-Money di Pontianak

Wingdes¹

2020

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Abstrak E-money berbasis smart card diwajibkan pemerintah daerah sejak tahun 2018 untuk pengisian bahan bakar tetapi publikasi data sekunder menunjukkan hasil tidak sesuai harapan. Penelitian kuantitatif ini bertujuan untuk memprediksi niat menggunakan e-money dengan mengekstensikan rational choice theory dengan faktor benefit of compliance, cost of compliance, cost of non compliance dan perceived speed pada technology acceptance model. Data dikumpulkan dengan survei menggunakan kuesioner, data diolah dan hipotesis diuji dengan structural equation modeling berbasis partial least square. Jumlah sampel dengan purposive method yang dikumpulkan adalah 336 responden (slovin) dengan margin of error 5% untuk populasi pengguna kendaraan di Pontianak. Pengujian menunjukkan faktor yang digunakan valid dan reliabel, dengan hasil: transaction speed, perceived ease of use, perceived usefulness, benefit of compliance, cost of compliance, cost of non compliance mempengaruhi behavioral intention. Faktor yang mempengaruhi paling kuat niat menggunakan adalah cost of non compliance dan perceived transaction speed. Hasil menunjukkan pengguna akan berniat menggunakan e-money bila diwajibkan dan disertai dengan sanksi Abstract Smart card based e-money was required by local authorities since 2018 for refueling activity in Pontianak but results were not as expected. Therefore, this quantitative study aims to predict intention to use e-money by extending rational choice theory with its antecedents: benefit of compliance, cost of noncompliance, cost of compliance and perceived transaction speed to technology acceptance model. Data for analysis was acquired using questionaire based survey. Hypotheses are tested by utilizing partial least square based structural equation modeling. A total of 336 samples (slovin) from total vehicles owners in Pontianak are acquired using purposive method with margin of error of 5%. Test results shows antecedents extended to TAM are valid and reliable with transaction speed, perceived ease of use, perceived usefulness, benefit of compliance, cost of compliance, cost of non compliance significantly influences intention to use. Factors with greatest influence are cost of non compliance and transaction speed. Results suggest user's intention to use e-money in mandatory situation are influenced strongly only when there are consequences imposed at non compliance.

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Factors Affecting Consumer Interest In Electronic Money Usage With Theory Of Planned Behavior (TPB)

Cited by 34 publications

References 3 publications

Customer Purchase Intention on Sharia Mutual Fund Products: A TPB Approach

Customer Purchase Intention on Sharia Mutual Fund Products: A TPB Approach

Pengaruh Sikap, Norma Subjektif, Kendali Perilaku Dan Religiusitas Terhadap Intensi Menggunakan Uang Elektronik

Ekstensi TAM untuk Memprediksi Niat Menggunakan E-Money di Pontianak

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