scholarly journals MANFAAT DAN RISIKO YANG MEMPENGARUHI KELANJUTAN NIAT PENGGUNAAN FINTECH PEMBAYARAN SELULER

2021 ◽  
Vol 10 (2) ◽  
pp. 214-227
Author(s):  
Afrida Putritama
Keyword(s):  
Structural Equation Model ◽  
Perceived Risk ◽  
Structural Equation ◽  
Reasoned Action ◽  
Equation Model ◽  
Partial Least Square ◽  
Least Square ◽  
Intention To Use ◽  
Mobile Payments ◽  
Perceived Benefit

Abstrak: Manfaat dan risiko yang mempengaruhi kelanjutan niat penggunaan Fintech pembayaran seluler. Tujuan penelitian ini adalah menemukan bagaimana manfaat persepsian dan risiko persepsian mempengaruhi kelanjutan niat penggunaan Fintech pembayaran seluler dengan mendasarkan kepada Theory of Reasoned Action (TRA). Pengumpulan data penelitian ini menggunakan kuesioner dengan metode purposive sampling dengan jumlah sampel sebanyak 104 responden. Pengujian hipotesis menggunakan Structural Equation Model (SEM) dengan alat ukur Partial Least Square (PLS). Penelitian ini menemukan bahwa manfaat persepsian lebih kuat dibandingkan risiko persepsian dalam mempengaruhi kelanjutan niat penggunaan Fintech pembayaran seluler. Faktor terkuat yang mempengaruhi manfaat persepsian adalah kenyamanan. Transaksi seamless dan manfaat ekonomi memiliki pengaruh positif namun tidak signifikan terhadap manfaat persepsian. Faktor terkuat yang mempengaruhi risiko persepsian adalah risiko keuangan. Faktor terkuat kedua yang mempengaruhi risiko persepsian adalah risiko hukum. Risiko keamanan dan risiko operasional memiliki pengaruh positif tidak signifikan terhadap risiko persepsian.Kata kunci: Fintech pembayaran seluler, manfaat persepsian, risiko persepsianAbstract: Benefits and risks that affect the continued use of mobile payments Fintech. The purpose of this research is to find out how the perceived benefit and perceived risks affect the continuation of the intention to use Fintech mobile payments based on the Theory of Reasoned Action (TRA). Research data collection using a questionnaire with a purposive sampling method with a total sample of 104 respondents. Hypothesis testing uses the Structural Equation Model (SEM) with the Partial Least Square (PLS) measuring instrument. This study found that the perceived benefit is stronger than the perceived risk in influencing the continuation of the intention to use mobile payment Fintech.  The strongest factor affecting the perceived benefit is convenience. Seamless transactions and economic benefits have a positive but insignificant effect on perceived benefits. The strongest factor affecting perceived risk is financial risk. The second strongest factor affecting perceived risk is legal risk. Security risk and operational risk have an insignificant positive effect on perceived risk.Keywords: Fintech mobile payments, perceived benefits, perceived risks

scholarly journals Structural Equation Model: Intention To Use Mobile Banking of Bottom of Pyramid Customer

2019 ◽  
Vol 4 (1) ◽  
Author(s):  
Dian Kusumaningrum ◽  
Dewi Savitri Saraswati ◽  
Seprianus Seprianus
Keyword(s):  
Structural Equation Model ◽  
Perceived Risk ◽  
Structural Equation ◽  
Equation Model ◽  
Partial Least Square ◽  
Least Square ◽  
Intention To Use ◽  
Mobile Banking ◽  
Bottom Of Pyramid ◽  
Digital Strategy

<p>The economy is shifting into the digital economy and to overcome it, the banking industry competes through innovation and digital strategy. Smartphone-based mobile banking is the key component of the digital strategy with 70% of the banks agree to focus their strategy on mass customer segment (PWC, 2017).</p><p>The purposes of the study are to identify the predicting factors influencing the intention to use mobile banking and empirically validate a model explaining the behavioral intention to use it, especially on the Bottom of Pyramid (BOP) segment. The model used was Structural Equation Model (SEM) based on Partial Least Square (PLS). The data used for developing the model was based on a survey to 100 BOP households.</p><p>The results of this study show that the variables that have the highest significant effect on BOP’s customer intention to use mobile banking are involuntary barriers, followed by perceived risk, and attitude. This result can be further used by researchers and mobile banking providers to evaluate the existing mobile banking services to improve its contribution in providing better market penetration and more appropriate financial services for BOP and ultimately financial inclusion in Indonesia.</p>Keywords: <em>Mobile Banking, Intention, Structural Equation Model</em>

scholarly journals Ethics theory and theory of reasoned action in e-book piracy

2020 ◽  
Vol 9 (3) ◽  
pp. 114-122
Author(s):  
Izzatul Jannah ◽  
Muamar Nur Kholid
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Quantitative Research ◽  
Theory Of Reasoned Action ◽  
Reasoned Action ◽  
Equation Model ◽  
Partial Least Square ◽  
Least Square ◽  
Accounting Students ◽  
Survey Method

This research was aimed to analyze the factors affecting accounting students’ intention in carrying out e-book piracy. This research integrated the theory of reasoned action and ethics theory. This was quantitative research with a survey method. Data in this research were collected from respondents who filled in questionnaires. The respondents in this research were accounting students of Universities in Yogyakarta, Indonesia. The data were analyzed using the Partial Least Square-Structural Equation Model (PLS-SEM) supported by SmartPLS 3.0 software. The results of the analysis showed that attitude, subjective norm, perceived benefit, and moral obligation significantly affected the intention of carrying out E-book piracy. Meanwhile, the perceived risk significantly affected the attitude toward piracy. Furthermore, this research discussed both theoretical and practical impacts based on the results of data analysis.

Effect of Motivation to Employee Performance which was Mediatied by Work Satisfaction in PT Smailing Tour Denpasar

2018 ◽  
Vol 9 (08) ◽  
pp. 20959-20973
Author(s):  
Benediktus Ignasius Tani Raka ◽  
Anik Yuesti ◽  
Nengah Landra
Keyword(s):  
Job Satisfaction ◽  
Structural Equation Model ◽  
Structural Equation ◽  
Employee Performance ◽  
Work Satisfaction ◽  
Equation Model ◽  
Partial Least Square ◽  
Least Square ◽  
Pls Analysis ◽  
Permanent Employees

This study aims is to test and analyze the influence of motivation on employee performance mediated by job satisfaction. This research was conducted at PT Smailing Tour Denpasar with population and research sample of all permanent employees that is 90 people. All data obtained from the kuisoner distribution is feasible to be used, then analyzed using a variance based structural equation model known as Partial Least Square (PLS) analysis. The result of the research shows that (1) the motivation has positive and significant effect on the employee's performance, (2) the motivation has positive and significant effect on the job satisfaction, (3) the job satisfaction has positive and significant effect to the employee's performance; (4) the motivation has positive and significant effect on employee performance through job satisfaction. The implication of this research is that motivation can be improved by taking into account the need for workplace environment to improve employee performance, job satisfaction can be improved by paying attention to the work itself in order to increase employee performance. Employee performance can be improved by taking into account the effectiveness of employees.

FAKTOR KONTEKSTUAL TERHADAP INTENSI KEWIRAUSAHAAN MAHASISWA PESERTA BUSINESS ORIENTATION AT SUPER SURO (BOSS)

2019 ◽  
Vol 3 (2) ◽  
pp. 9
Author(s):  
Fery Setiawan
Keyword(s):  
Structural Equation Model ◽  
Structural Equation ◽  
Equation Model ◽  
Partial Least Square ◽  
Least Square ◽  
Business Orientation

Penelitian ini membahas tentang faktor kontekstual dalam pengaruhnya pada intensi kewirausahaan mahasiswa. Objek penelitian ini adalah mahasiswa program studi S1 Manajemen Universitas Muhammadiyah Ponorogo yang telah mengikuti kegiatan BOSS, Business Orientation at Super Suro, yakni kegiatan kompetisi berwirausaha yang diadakan untuk mengasah mental entrepreneurship mahasiswa. Penelitian ini dilakukan untuk mengetahui intensi berwirausaha mahasiswa peserta BOSS, sehingga diperoleh informasi yang berguna bagi evaluasi dan penentuan strategi pelaksanaan BOSS selanjutnya. Faktor kontekstual dipilih dalam penelitian ini, sebagai salah satu faktor yang dianggap penting dalam mempengaruhi intensi kewirausahaan mahasiswa. Penelitian ini menggunakan metode kuantitatif dengan populasi adalah mahasiswa peserta BOSS pada tahun 2019. Pengolahan data dalam penelitian ini menggunakan aplikasi program Structural Equation Model (SEM)  Partial Least Square (Smart PLS). Hasil penelitian diketahui bahwa faktor kontekstual berpengaruh positif terhadap intensi kewirausahaan mahasiswa BOSS.Kata kunci: kewirausahaan, faktor kontekstual, intensi  

scholarly journals EFFECT OF WORK COMPETENCY AND MOTIVATION ON EMPLOYEE PERFORMANCE USING THE APPROACH PARTIAL LEAST SQUARES-SEM ANALYSIS (CASE STUDY AT THE ARIYANTI EDUCATION FOUNDATION)

2021 ◽  
Author(s):  
Darul Wiyono ◽  
◽  
Vip Paramarta ◽  
Keyword(s):  
Structural Equation Model ◽  
Structural Equation ◽  
Work Motivation ◽  
Employee Performance ◽  
Equation Model ◽  
Sem Analysis ◽  
Partial Least Square ◽  
Least Square ◽  
Company Performance ◽  
Survey Research Methods

High company performance can be achieved if all elements in the company are well integrated, and are able to carry out their roles according to the needs of employees. The purpose of this study is to analyze and determine (1) competence, (2) work motivation, (3) employee performance, and (4) the effect of competence and work motivation on employee performance. This type of research is descriptive and verification using explanatory survey research methods, and to test the hypotheses of this research will be analyzed using a structural equation model (Structural Equation Model, SEM) with the Partial Least Square (PLS) alternative method using SmartPLS 3.0 software. The results of testing the first hypothesis show that there is a significant correlation between competence and work motivation at the Ariyanti Education Foundation. The results of the second hypothesis show that competence has a positive and significant effect on employee performance at the Ariyanti Education Foundation. The third hypothesis shows that work motivation has a positive and significant effect on employee performance at the Ariyanti Education Foundation. The fourth hypothesis shows that competence and work motivation together have a positive and significant effect on employee performance at the Ariyanti Education Foundation. So it is clear that competence, work motivation and employee performance are interrelated. This must be considered because there is a mutually influencing relationship between the three. So that the development of competence and good work motivation will be able to improve the performance of these employees.

scholarly journals DAMPAK KONFLIK PERAN TERHADAP STRES DAN KEPUASAN KERJA KARYAWAN PT. JOMBANG INTERMEDIA PRESS (JAWA POS RADAR JOMBANG)

2018 ◽  
Vol 18 (2) ◽  
pp. 105
Author(s):  
Kristin Juwita ◽  
Devy Arintika
Keyword(s):  
Job Satisfaction ◽  
Role Conflict ◽  
Job Stress ◽  
Structural Equation Model ◽  
Work Stress ◽  
Structural Equation ◽  
Positive Influence ◽  
Equation Model ◽  
Partial Least Square ◽  
Least Square

The purpose of this research is to know the effect of role conflict on employee job satisfaction with job stress as a mediation variable at PT. Jombang Intermedia Press (Jawa Pos Radar Jombang). The research used explanatory research with a quantitative approach to explain relationship variables through hypothesis testing. This study uses questionnaires which is distributed to 30 respondents of PT. Jombang Intermedia Pers (Radar Jombang) with saturated sampling method. The analysis method uses SEM (Structural Equation Model) with PLS (Partial Least Square) 3 . The result of data analysis known has significant positive influence between role conflict on work stress. But, role conflict has a positive effect on job satisfaction, work stress positively influence to job satisfaction, while work stress is not able to mediate between role conflict to job satisfaction. Keyword—Role Conflict, Job Stress, Job Satisfaction Abstrak Penelitian ini bertujuan meneliti pengaruh konflik peran terhadap kepuasan kerja karyawan yang dimediasi stres kerja pada PT. Jombang Intermedia Pers (Jawa Pos Radar Jombang). Jenis penelitian adalah penelitian penjelasan (explanatory research) dengan pendekatan kuantitatif. Pengumpulan data menggunakan kuesioner yang disebarkan kepada 30 karyawan PT.Jombang Intermedia Pers (Radar Jombang) dengan metode sampling jenuh. Metode analisis dibantu oleh SEM (Structural equation Model) dengan alat analisis Pls versi 3. Berdasarkan hasil penelitian menunjukan ada pengaruh positif dan signifikan antara konflik peran terhadap stres kerja. Namun, justru konflik peran berdampak positif terhadap kepuasan kerja, stres kerja juga berdampak positif terhadap kepuasan kerja. Adapun stres kerja tidak mampu memediasi pengaruh konflik peran terhadap kepuasan kerja. Kata Kunci—Konflik Peran, Stres Kerja, Kepuasan Kerja

scholarly journals PENGARUH INTELLECTUAL CAPITAL TERHADAP KINERJA PERBANKAN DI INDONESIA MENGGUNAKAN MODEL VAICTM

2020 ◽  
Vol 2 (2) ◽  
Author(s):  
Ardiyansyah Japlani
Keyword(s):  
Human Capital ◽  
Structural Equation Model ◽  
Intellectual Capital ◽  
Structural Equation ◽  
Value Added ◽  
Equation Model ◽  
Partial Least Square ◽  
Least Square ◽  
Purposive Sample

Tujuan dari penelitian ini adalah untuk mengetahui pengaruh dari intellectual capital terhadap kinerja perusahaan dengan menggunakan perhitungan VAIC. Metode analisis yang dilakukan adalah kuantitatif dengan sampel yang diambil melalui purposive sample sebanyak 30 perusahaan dari industri perbankan. Alat analisis yang digunakan menggunakan Structural Equation Model Partial Least Square (SEM-PLS). Hasil dari analisis menunjukkan bahwa indikator dari variabel laten intellectual dan kinerja perusahaan yang mempengaruhi secara absolut adalah Value Added Human Capital (VAHU) dan Return on Asset(ROA) yaitu sebesar 0,713 dan 1. Hipotesis yang dihasilkan menunjukkan bahwa terdapat pengaruh positif antara intelectual capital terhadap kinerja perusahaan sebesar 0,470 namun tidak signifikan dikarenakan nilai t lebih rendah dari t tabel yaitu 1,592 < 1,96 Kata Kunci: Intellectual Capital, Kinerja Perusahaan, ROA, VACA,VAHU,STVA

scholarly journals Keberhasilan Sistem Informasi Akuntansi Dideterminasi Oleh Etika Pengguna

2019 ◽  
Vol 1 (1) ◽  
pp. 58-74
Author(s):  
Sri Dewi Anggadini
Keyword(s):  
Survey Research ◽  
Structural Equation Model ◽  
Structural Equation ◽  
Equation Model ◽  
Partial Least Square ◽  
Least Square

Etika pengguna  merupakan prinsip moral bagi seseorang yang berkaitan dengan perilaku baik dan buruk dalam menjalankan aktivitas SIA.Keberhasilan SIA adalah integrasi semua unsur disebut juga komponen SIA.Tujuannya yaitu untuk mengetahui besarnya sistem informasi akuntansi yang dideterminasi oleh etika pengguna.Berdasarkan hasil penelitian ini dapat diajdikan  masukan pada Badan Usaha Milik Negara untuk menerapkan budaya etis, tanggung jawab, disiplin kerja, loyal dan patuh serta memberikan yang terbaik bagi organisasi.  Metode penelitian yang digunakan bersifat deskriptif verifikatif dan termasuk survey research..Teknik pengumpulan data menggunakan kuesioner dan wawancara.Unit analisis dalam penelitian ini adalah bagian Akuntansi Keuangan di BUMN.Untuk analisis data menggunakan pemodelan strukural SEM-PLS (Structural Equation Model- Partial Least Square).Hasil penelitian menunjukkan bahwa etika pengguna berpengaruh terhadap kualitas sistem informasi akuntansi. Namun, berkualitasnya SIAdisebabkan responsibility, accountability dan liability belum sepenuhnya diakomodir  di dalam penggunaan. Responsibility artinya bahwa karyawan BUMN secara rata-rata memiliki rasa tanggung jawab terhadap pekerjaan yang ditugaskannya. Accountability artinya karyawan BUMN dalam penggunaan sistem informasi akuntansi  seringkalimenerima tanggung jawab.Liability artinya karyawan BUMN dalam penggunaan sistem akuntansi perusahaan  seringkaliberupaya untuk mencari solusi yang terbaik. Berdasarkan pengolahan data bahwa  penerapanSIA  belum sepenuhnya mengadopsi etika yang dimiliki pengguna dalam menggunakan sistem informasi akuntansi. Kata Kunci : Etika Pengguna dan Keberhasilan Sistem Informasi Akuntansi.

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