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TRUST AND PERCEIVED RISK TOWARD ACTUAL ONLINE PURCHASING: ONLINE PURCHASING INTENTION AS MEDIATING VARIABLE Sari, Septi Diana; Widyanti, Ratri Nurina; Listyorini, Inon
Integrated Journal of Business and Economics (IJBE) Vol 4, No 1 (2020): Integrated Journal of Business and Economics
Publisher : Faculty of Economics, Bangka Belitung University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (422.91 KB) | DOI: 10.33019/ijbe.v4i1.248

Abstract

This research aims to test the influence of trust and perceived risk on Actual Online Purchasing (AOP) either directly or through Online Purchase Intention (OPI) as a mediating variable. Purposive Random Sampling used in this research with 100 respondents who have searched product through the E-Commerce website (B2C & C2C). This research uses Structural Equation Modelling (SEM) model with SmartPLS 3 program. The results of the test showed that Security practice and Privacy Concern have a negative effect on Perceived Risk, which subsequently Perceived Risk has a negative effect on OPI. However, OPI has no significant effect on AOP. Between the two of trust antecedents, the EWOM and Perceived Reputation only Perceived Reputation has a significant influence on the Trust. From the four constructs in this study (AOP, OPI, Trust and Perceived Risk), the Trust Model is the most powerful predictive model compared to other models such as Perceived Risk, OPI, and AOP.
THE FACTORS OF SERVICE, RELIGIOSITY AND KNOWLEDGE IN THE DECISION OF CUSTOMERS TO SAVE FUNDS IN SHARIA BANKS IN YOGYAKARTA CITY Pabbajah, Mustaqim; Widyanti, Ratri Nurina; Widyatmoko, Widi Fajar
Jurnal Internasional Bisnis, Humaniora, Pendidikan dan Ilmu Sosial Vol 1 No 2 (2019): International Journal of Business, Humanities, Education and Social Sciences
Publisher : Universitas Teknologi Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (412.842 KB) | DOI: 10.051018/ijbhes.v1i2.37

Abstract

Islamic banks are experiencing rapid development amid the current global crisis in Indonesia and even in the world. This becomes evidence that Sharia Bank can maintain its existence from all the problems of a complex economic crisis that hit in 2007. Indonesia as the largest Islamic country in the world is a potential market that supports the sustainability of Islamic banking. The Islamic sharia principles in its management, causes many people in Indonesia, especially in Yogyakarta decide to save their funds in Islamic banks. The population in this study is all Islamic bank customers in Yogyakarta, with sample selection using incidental sampling. The data analysis method used is multiple linear regression. This study shows the positive influence of service and public trust in Islamic banks. Similarly, knowledge about Islamic banks, and one's religiosity has an important role in the decision making to save funds in Islamic banks in the city. Islamic labelity and current trends supported by high community religiosity are also important factors in the decision to deposit funds in Islamic banks. In fact, the biggest influence that influences customer's decision to save funds in a bank is the quality of service and trust. Thus, the attention of banking players is needed in improving performance and banking services, so that public confidence is higher in the decision to save funds in the bank. In other words, the community remains consistent to make economic transactions with banks in order to respond to the challenges of the economic crisis in the future.