DIMENSI-DIMENSI PERSEPSI RISIKO KESELURUHAN KONSUMEN

2012 ◽  
Vol 7 (2) ◽  
pp. 115
Author(s):  
Retno Wulandari
Keyword(s):  
Perceived Risk ◽  
Financial Risk ◽  
Multiple Regression Model ◽  
Social Risk ◽  
Laptop Computer ◽  
Perception Of Risk ◽  
Computer Data ◽  
Risk Dimensions ◽  
Psychological Risk ◽  
Consumer's Perception

This study examined a model of determinants of consumer’s perception of risk of frequentlyused product, laptop computer. Data was gathered from the survey questionnaire. The samplewas drawn upon students at major school of business, conveniently. Three indicators wereused to capture overall risk, and three for each of six risk dimensions. Using six variablesthat had been presumed by researches, multiple regression model was developed for thisanalysis. This study showed that only social risk, financial risk and psychological risk weredetermining factors of overall perceived risk. These imply to marketer that they should relyon these risks that predominantly affect in consumer buying decision.Keywords: perception of risk, social risk, financial risk, psychological risk.

Customers’ Risk Perception Towards Electronic Banking Services

2019 ◽  
Vol 118 (11) ◽  
pp. 424-432
Author(s):  
SK.Saravanan
Keyword(s):  
Risk Perception ◽  
Perceived Risk ◽  
Credit Card ◽  
Financial Risk ◽  
Internet Banking ◽  
Social Risk ◽  
Security Risk ◽  
Electronic Banking ◽  
Risk Dimensions ◽  
Psychological Risk

The main aim of this study is to measure the factors which influence the risk perception of customers while using electronic banking channel. The significant findings of this study are, internet banking is having high risk assumed by most of the respondents. Based on the risk dimensions, financial risk influencing more compared to the other types of risk. Most of the respondents are assuming that financial risk and psychological risk is more in credit card. Performance risk is more in a debit card, time risk, psychological risk, security risk and social risk are huge in internet banking. Financial risk is the mediating factor for determining the perceived risk of electronic banking customers.

The effect of perceived risk dimensions on purchase intention

2015 ◽  
Vol 30 (4) ◽  
pp. 218-230 ◽  
Author(s):  
Ramulu Bhukya ◽  
Sapna Singh
Keyword(s):  
Perceived Risk ◽  
Purchase Intention ◽  
Financial Risk ◽  
Value Proposition ◽  
Private Labels ◽  
Market Place ◽  
Content Type ◽  
Physical Risk ◽  
Risk Dimensions ◽  
Psychological Risk

Purpose – The purpose of this paper is to examine the dimensions of perceived risk, which influence consumers’ purchase intention toward the retailers’ private labels. Based upon the previous literature, majorly four dimensions of the perceived risk have been considered for the study. These include – perceived functional risk, perceived financial risk, perceived physical risk and perceived psychological risk. Design/methodology/approach – Data have been collected by proceeding with mall intercept method and approached shoppers with the questionnaire at the outlets of large Indian retailers – Reliance retail, Aditya Birla’s More, Big Bazaar and Spencer’s. A total of 352 valid questionnaires were obtained, wherein responses were recorded on Likert-type scale anchoring five-points where 1 indicates strongly disagree and 5 indicates strongly agree. Then, the analysis was carried out by using Exploratory Factor Analysis and Multiple Regression Analysis. Findings – Findings of this study revealed that perceived functional risk, perceived financial risk, perceived physical risk and perceived psychological risk have the direct negative and significant effects on consumers’ intention to purchase retailers’ private labels. Thus, all the hypotheses were accepted and all the findings of this study were in line with previous studies. Research limitations/implications – A limited set of product categories and brands were analyzed. Practical implications – This study is of great interest for large retailers who wish to increase their private labels’ value proposition, with an in-depth understanding of these risks it could alter their value proposition accordingly and create more successful private labels in the market place. Originality/value – This study is one among the very few studies which addressed the research on purchase intention toward private labels in Indian context.

Users and non-users of P2P accommodation

2019 ◽  
Vol 10 (3) ◽  
pp. 369-382 ◽  
Author(s):  
Dan Huang ◽  
Xinyi Liu ◽  
Dan Lai ◽  
Zhiyong Li
Keyword(s):  
Perceived Risk ◽  
Behavioral Intentions ◽  
Risk Perceptions ◽  
Social Risk ◽  
Collaborative Consumption ◽  
Content Type ◽  
Perceived Risks ◽  
Targeted Marketing ◽  
Risk Dimensions ◽  
Psychological Risk

Purpose To better understand what inhibits people from participating in collaborative consumption, this paper aims to develop research models of users and non-users to examine the relationship between perceived risks and intentions to use peer-to-peer (P2P) accommodation. Moreover, differences of risk perceptions and behavioral intentions between P2P accommodation users and non-users were identified. Design/methodology/approach The method of convenience sampling was used to collect data. Excluding the invalid questionnaires, 520 were kept for further analysis. In this paper, SPSS and partial least squares (PLS) were used to analyze the data. Findings The findings highlighted the important role of perceived risks in determining tourists’ intentions to use P2P accommodation. The results showed that non-users have higher perceived risks in regards to all four risk dimensions (psychological risk, physical risk, performance risk and social risk), and they also have significantly lower behavioral intentions to use P2P accommodation than the users. For users, only the psychological risk has significant negative effects on behavioral intentions, while for non-users, both psychological and physical risks are important inhibitors. Originality/value This paper contributes to a better understanding of the antecedents that influence consumers’ participation in collaborative consumption in the P2P accommodation domain. Second, it extends the literature on perceived risk by discussing users and non-users in this market. Finally, this research provides insights into the P2P accommodation market in China, which enables online travel platforms to develop targeted marketing strategies.

A SCALE DEVELOPMENT APPROACH TO PERCEIVED RISK IN PURCHASE OF CARS

2016 ◽  
Vol 12 (02) ◽  
Author(s):  
T Frank Sunil Justus ◽  
T Sunitha ◽  
M. Gnanasundari
Keyword(s):  
Perceived Risk ◽  
Tamil Nadu ◽  
Financial Risk ◽  
Social Risk ◽  
Fit Statistics ◽  
Car Market ◽  
Physical Risk ◽  
Development Approach ◽  
Psychological Risk ◽  
Vehicle Market

Perceived risk is an ambiguity that consumers face when they cannot foresee the outcome of their purchase decisions. Perceived risk occurs when an individual consumer perceives the possible hazard or chance of loss as the result of a purchase decision. Consumers are influenced by risks that they perceive whether or not such risks actually exist. The objective of the paper is to identify the dimensions of perceived risk and to develop a scale for measurement of perceived risk in purchase of car The study involved 150 respondents and was conducted over a forty five day period in January 2014 in Cuddalore district of Tamil Nadu. Five brands of cars namely Maruti, Hyundai, Tata, Toyota, Honda and Ford alone was considered for the study. Exploratory factor analysis with a varimax rotation was conducted on the total 64 questions, which were later reduced to nine dimensions. The nine dimensions of perceived risk identified for the study included physical risk, psychological risk, functional risk, social risk, financial risk, time risk, decision risk, obsolescence risk, and facility risk. When the nine factors were allowed to correlate, the fit statistics suggested a good model fit. The developed scale will be useful to car companies to make a check on the important components that sums up the perceived risk for that customer. In future scales can be developed to identify the perceived risk for luxury car market segment as well as for sports utility vehicle market as also involving brands that was not considered for the study.

scholarly journals IS JORDAN SAFE TO VISIT? THE IMPACT OF PERCEIVED RISK PERCEPTIONS ON THE TOURIST BEHAVIOURAL INTENTIONS

2020 ◽  
Vol 33 (4) ◽  
pp. 1545-1550
Author(s):  
Ashraf Mohammad ALFANDI ◽  
Keyword(s):  
Perceived Risk ◽  
Risk Perceptions ◽  
Financial Risk ◽  
Empirical Relationship ◽  
Tourism Industry ◽  
Data Set ◽  
Physical Risk ◽  
Risk Dimensions ◽  
Psychological Risk ◽  
The Impact

The aim of this study was to investigate the influence of perceived risk dimensions on the tourists behavioural intention (BI). A questionnaire was prepared drawing from the scales in literature, and it was applied in a form of a self-administered questionnaire on European tourists who visited Jordan in 2018. To check the hypotheses on a data set of 339 completed questionnaires, multiple regression tests were applied. The findings identified that perceived financial risk (FR) and perceived performance risk (PR) had significant impact on tourists BI, however, perceived physical risk (PHR), perceived time risk (TR), and perceived socio-psychological risk (SPR) risk were not significant. The findings reflect only the perceived risks and BI of European tourists visiting Jordan. The focus should be placed on reducing implemented taxes on the touristic services and products in order to make Jordan more price competitive. This study establishes an empirical relationship between the risk dimensions and the BI of tourists; consequently, the findings have implications for the tourism industry, especially for key players in the Jordanian Tourism Board. It also serves as a reference to destinations with similar risk background.

scholarly journals Perceived Risk on Online Store Image Towards Purchase Intention

2019 ◽  
Vol 10 (2) ◽  
pp. 48
Author(s):  
Lu Man Hong ◽  
Noorshella Che Nawi ◽  
Wan Farha Wan Zulkiffli ◽  
Dzulkifli Mukhtar ◽  
Shah Iskandar Fahmie Ramlee
Keyword(s):  
Perceived Risk ◽  
Purchase Intention ◽  
Financial Risk ◽  
Personal Information ◽  
Social Risk ◽  
Privacy Risk ◽  
Online Store ◽  
Internet Users ◽  
Online Consumers ◽  
Psychological Risk

The main aim of this study is to identify purchase intention among Malaysian online consumer towards online store. A recent data provided by MCMC indicate that only 9.3 percent of Internet users in Malaysia admitted doing online purchasing despite huge number reflects Malaysian is heavy Internet users. This is due to the factors that the consumers are feared towards risk they may get during shopping online and this can affect their purchase intention activities. The finding identified that privacy risk and delivery risk are significant to purchase intention among online consumers in Malaysia. Meanwhile, financial risk, product performance risk, time risk, psychological risk, social risk and after-sale risk are not significant to purchase intention. This indicated that Malaysian online consumers tend to care their personal information has been misused by third parties within their permission in order to prevent privacy risk in online shopping activities.

Indian consumers’ risk perception in buying green products: the case of LED light bulbs

2018 ◽  
Vol 30 (4) ◽  
pp. 927-951 ◽  
Author(s):  
Sujit Kumar Ray ◽  
Sangeeta Sahney
Keyword(s):  
Risk Perception ◽  
Financial Risk ◽  
Social Risk ◽  
Green Products ◽  
Content Type ◽  
Performance Risk ◽  
Indian Consumers ◽  
And Performance ◽  
Psychological Risk ◽  
Overall Risk

PurposeThe purpose of this paper is to examine how the various perceived risk facets such as financial risk, performance risk, psychological risk, social risk, and physical risk influence the Indian consumers’ perceived overall risk during the purchase of green products such as energy-efficient LED light bulbs.Design/methodology/approachA self-administered questionnaire comprising a total of 29 items was employed over a sample of 272 respondents. The structural equation modeling using partial least squares was used for data analysis.FindingsPsychological risk emerged as the most influential of the various risk facets in affecting perceived overall risk. Financial, physical, and performance risks emerged as the second, third, and fourth most influential risk facets, respectively, which affect the perceived overall risk. Surprisingly, social risk did not emerge as an influential facet when it comes to affecting perceived overall risk. Further, psychological and financial risks appeared to have a positive medium-level influence on the perceived overall risk, whereas physical and performance risks appeared to have a positive weak influence on the perceived overall risks. The influence of financial risk on the perceived overall risk was found to be partially mediated by performance risk.Originality/valueThe study is unique in the sense that it reflects the risk perception of potential consumers in one of the largest emerging markets of the world, when it comes to purchase of green products.

Store brand and perceived risk on private label brand attitude

2020 ◽  
Vol 12 (1) ◽  
pp. 133-150 ◽  
Author(s):  
M.K.M. Manikandan
Keyword(s):  
Risk Factors ◽  
Perceived Risk ◽  
Tamil Nadu ◽  
Financial Risk ◽  
Perceived Quality ◽  
Negative Influence ◽  
Private Label ◽  
Social Risk ◽  
Content Type ◽  
The Social

Purpose The purpose of this paper is to find the influence of retailer equity and perceived risk on attitudes toward private label brand (PLB) grocery products. Design/methodology/approach Retailer equity includes four variables: retailer awareness, retailer association, retailer perceived quality and retailer loyalty. The perceived risk factors include functional risk, financial risk and social risk. The attitude toward PLBs was taken as the dependent variable. The study was carried out by using a standardized questionnaire for all three constructs. The convenience sampling method was adopted to carry out data collection from customers of organized retail stores in the city of Coimbatore, in the state of Tamil Nadu, India. The relationship between the three variables was studied with structural equation modeling using IBM SPSS Amos software. Findings The study revealed that excluding the Financial Risk and the Social Risk, functional risk alone has significant influence over the PLB Attitude. The Retailer Equity variables, retailer perceived quality and retailer loyalty have positive influence on the PLB Attitude, while the other two variables do not show any influence. Retailer Awareness shows a negative influence over the social risk. Retailer Association does not show any influence on any of the three risk factors. Retailer perceived quality shows negative influence over the functional risk while retailer loyalty negatively influences social risk. Research limitations/implications The research study was carried out in cities that are populous in the Indian state of Tamil Nadu. All the respondents came from three cities in Tamil Nadu, namely, Coimbatore, Tiruppur and Madurai. Hence, extending the findings of the study to other countries where organized retail penetration is deeper may be attempted with caution. Practical implications The study will offer managers in the retail industry some understanding of the risk-relieving factors in operation when buying grocery goods. Originality/value The research paper contributes to the literature concerning the role played by retailer equity and perceived risk factors on attitudes toward PLBs.

scholarly journals Study on the Influence of Customers’ Risk Perception on the Use of Leasing Services Based on the Burden of Ownership

2017 ◽  
Vol 10 (2) ◽  
pp. 147 ◽  
Author(s):  
Jutamart Limsupanark ◽  
Xu Ming ◽  
Pimyada Pangam
Keyword(s):  
Risk Perception ◽  
Intention To Use ◽  
Social Risk ◽  
Economic Risk ◽  
Performance Risk ◽  
Car Rental ◽  
Car Rental Industry ◽  
The Right ◽  
Risk Dimensions ◽  
Psychological Risk

Rental service refers to the provision of the right to use the goods for the customer, and do not need to have ownership, such as the car rental industry, is now growing rapidly. This service is provided to avoid the so-called "customers to bear the burdens of ownership", such as the product has to take the risk and responsibility. However, the use of issues such as risk perception and subsequent customer facing to obtain the ownership of the products of leasing services need further study. Based on the theory of risk perception, we propose five risk dimensions (economic risk, performance risk, psychological risk, time risk and social risk). They have an impact on customer’s decision in rental service. Through the analysis of the data obtained by the investigation, we examined the hypothesis. The results proved that the decision of customer to obtain the ownership is affected by the five kinds of risk perception factors; while the ownership intention declines, the intention to use rental service will increase.

Determining Consumer Purchase Intention Toward Counterfeit Luxury Goods Based on the Perceived Risk Theory

2022 ◽  
pp. 316-339
Author(s):  
Cláudio Félix Canguende-Valentim
Keyword(s):  
Risk Perception ◽  
Perceived Risk ◽  
Purchase Intention ◽  
Structural Equation ◽  
Financial Risk ◽  
Social Risk ◽  
Luxury Goods ◽  
Intention To Purchase ◽  
Consumer Purchase Intention ◽  
Perception Theory

This study aims to understand the impact of financial, psychological, and social risk dimensions on attitude and intention to purchase counterfeit luxury goods. Data were collected through a questionnaire conducted with 116 Angolan consumers and were treated with structural equation modeling. The results revealed that only financial risk and social risk were influential in attitude toward counterfeit luxury goods. Attitude had a significant influence on the intention to purchase counterfeit luxury goods. The research contributes to the literature because there has been no previous study in an African country that seeks to understand the purchase intention of counterfeit luxury goods according to risk perception theory. On the other hand, this study is one of the few to report that social risk perception positively impacts attitudes towards counterfeit luxury goods.

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