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All Journal Journal of Business and Behavioural Entrepreneurship PRoMEDIA Jurnal Komunitas: Jurnal Pengabidian Kepada Masyarakat Yumary: Jurnal Pengabdian kepada Masyarakat Berdikari : Jurnal Pengabdian kepada Masyarakat KAMI MENGABDI Jurnal Pemberdayaan Nusantara Midang
Kamaruddin, Muhammad Junaid
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Journal : Journal of Business and Behavioural Entrepreneurship

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The Influence of Transaction Speed and Top-Up Facilities on the Decision to Use Fintech OVO with Partner Quantity as the Moderating Variable Kamaruddin, Muhammad Junaid; Fauzi, Yoga; Elliyana, Ela
Journal of Business and Behavioural Entrepreneurship Vol 7 No 2 (2023): Journal of Business and Behavioural Entrepreneurship
Publisher : Fakultas Ekonomi, Universitas Negeri Jakarta, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JOBBE.007.2.01

Abstract

This study aims to analyze whether there is a significant influence between Transaction Speed and the Decision to Use and Partner Quantity on the Top Up Facility. The population in this study are all people who use fintech ovo in the Jakarta area. The sample of this research is 175 people. The type of data created is primary data using a questionnaire which is filled in directly by the respondents and then processing the data using Partial Least Square (PLS). Statistical results from research data processing show that transaction speed has a positive and significant effect, top up facilities can have a positive and significant effect, partner quantity is not yet significant, transaction speed has a positive and significant effect on usage decisions, top up facility has a positive and significant effect on usage decisions.
The Influence of Economic Literacy and Risk Perception on the Decision to Use Paylater with Paylater Benefits as a Moderation Kamaruddin, Muhammad Junaid
Journal of Business and Behavioural Entrepreneurship Vol 8 No 1 (2024): Journal of Business and Behavioural Entrepreneurship
Publisher : Fakultas Ekonomi, Universitas Negeri Jakarta, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JOBBE.008.1.10

Abstract

This research is about "The Effect of Economic Literacy and Risk Perception on Purchasing Decisions Using Paylater with Paylater Benefits as Moderation". This research is motivated because there are still many Indonesians who still do not understand the Paylater payment method. This study occupies four variables consisting of variable Decision Using Paylater as the dependent variable. Economic Literacy and Risk Perception as independent variables. Furthermore, Benefit Paylater as a moderating variable. This study aims to prove whether there is an effect of economic literacy and risk perception on purchasing decisions using Paylater which is moderated by Paylater benefits. The research design uses causality which aims to test the direct effect and moderating effect between variables. The software used is SmartPLS (Partial Least Square). The results of this study are First, it shows that Economic Literacy has a significant effect on Purchasing Decisions Using Paylater, which means that based on this the hypothesis in this study is accepted. Second, Risk Perception has a significant effect on Purchasing Decisions Using Paylater, which means that based on this the hypothesis in this study is accepted. Third, it is stated that Benefit Paylater has a significant effect on Purchasing Decisions Using Paylater. Which means that based on this the hypothesis in this study is accepted. Fourth, Benefit Paylater strengthens the relationship between economic literacy on purchasing decisions using Paylater has a significant effect, which means that based on this the hypothesis in this study is accepted. Fifth, Benefit Paylater strengthens the relationship between Perception of Risk on Purchasing Decisions Using Paylater has a significant effect, which means that based on this, the hypothesis in this study is accepted.
Co-Authors Aghisna, Rana Ametha, Sisin Nastasya Anggoro, Hendi Tri Ari Soeti Yani Ariandi, Ariandi Arwanto, Arwanto Aulia, Putri Bayustin, Marisa Carissa, Monica Darmawan, Seno Eka Derius Ardian, Kristian Diansyah, Diansyah Djohansah, Violetta elliyana, ela Farhah, Nabila Fitri Assy Fauzi, Yoga Fauziah Fauziah Jundi, Musthofa Laila, Siti Nur Lukiyana, Lukiyana Mantiri, Randi Mauliddya, Annisa Muliadi, Jemie Nabilah, Mei Syara Parisa, Rika Permatasari, Sheila Silvia Prasetyo, Sisman Rafael, Rafael Ramadhan, Alief Rizal Sanusi, Yasril Fadlitama Septiyani, Anisah Tono, Marvin Tris Yanis, Fauziah