Pengaruh Kepercayaan dan Kemudahan terhadap Keputusan Pembelian Menggunakan Pinjaman Online Shopee PayLater
DOI:
https://doi.org/10.26740/jim.v8n3.p818-828Keywords:
ease, online loan, purchase decision, trust.Abstract
This financial technology innovation continues to develop along with changes in people's lifestyles. Financial services that provide online loan facilities are currently trending as a means of payment for several large e-commerce in Indonesia. Shopee is e-commerce that has a PayLater facility as an alternative method of shopping transactions that provides loan funds under the name Shopee PayLater. The use of Shopee PayLater makes it easy for consumers to shop online through the Shopee marketplace even though they don't have enough funds to shop. This research is a quantitative study with a conclusive research design to determine the effect of trust and ease on purchasing decisions using online loans. Sampling technique on this research used judgmental sampling and snowball sampling with a sample size of 110 respondents that Shopee users. Which are Shopee users have once made transactions using ShopeePayLater. The results of this study indicate there is a significant positive influence between trust and ease of purchasing decisions using online loans. Based on the result, it is recommended that Shopee PayLater make pay attention and make sure that this application has guaranteed security, so it can build a good image to increase the trust and have an impact to purchase decisions towards online loans Shopee PayLater.
References
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Faspay.co.id. (2018). 3 Jenis Pembayaran Cashless Ini Lebih Disukai Millennials (https://www.faspay.co.id/2018/02/28/3-jenis-pembayaran-cashless-ini-lebih-disukai-millennials/ diakses pada 25 Januari 2020)
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Hadijah S. (2019) Aplikasi Layanan Pay Later Makin Diminati, Yuk Cek Keuntungan dan Kerugiannya. (https://www.cermati.com/artikel/aplikasi-layanan-pay-later-makin-diminati-yuk-cek-keuntungan-dan-kerugiannya diakses pada 13 November 2019)
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Pavlou, P. A. (2003). Consumer Acceptance of Electronic Commerce: Integrating Trust and Risk with the Technology Acceptance Model. International Journal of Electronic Commerce, 7 (3), 69103.
Priyono, A Agus¯;Hidayat, Ismail¯; Arifin, R. (2017). PengaruhKepercayaan, Kemudahan, Harga Dan KualitasInformasiPenggunaan E-CommeceTerhadap Keputusan PembelianSecaraOnline Pada Situs Bukalapak.Com. EJurnalRisetManajemen Prodi ManajemenFakultasEkonomiUnisma, 6(3), 6478.
R.Pennington., H. Dixon, Grover, V. (2003). The Role of System Trust in Business-to-Consumer Transactions. Pages 197-226. https://doi.org/10.1080/07421222.2003.11045777
Ramayah, T., & Ignatius, J. (2005). Impact of Perceived usefulness, Perceived ease of use and Perceived Enjoyment on Intention to Shop Online. ICFAI Journal of Systems Management (IJSM), 116. Retrieved from http://ramayah.com/journalarticlespdf/impactpesu.pdf
Riely M, Fajrian.(2019). Cetak Penjualan Rp 54 T, Shopee E-Commerce Terpopuler di Asia Tenggara. (https://katadata.co.id/berita/2019/08/23/cetak-penjualan-rp-54-t-shopee-e-commerce-terpopuler-di-asia-tenggara diakses pada 25 Oktober 2019)
Setyowati D. (2019). Riset: Fitur Paylater OVO Paling Banyak Digunakan Tahun Ini (https://katadata.co.id/berita/2019/11/27/riset-fitur-paylater-ovo-paling-banyak-digunakan-tahun-ini diakses pada 10 Februari 2020)
Simamora. B., 2005, Riset pemasaran: Falsafah, teori, dan aplikasi, PT Gramedia Pustaka Utama, Jakarta
Sudjadmika, F. V. (2017). Pengaruh Harga, Ulasan Produk, Kemudahan, Dan Keamanan Terhadap Keputusan Pembelian Secara Online Di Tokopedia.Com. AGORA, Vol. 5, No. 1.
Suki, N. M. (2011). Exploring the relationship between perceived usefulness, perceived ease of use, perceived enjoyment, attitude and subscribers intention towards using 3G mobile services. Journal of Information Technology Management, XXII(1), 17.
Sumarwan, Ujang. 2015. Pemasaran Strategik:Prespektif Perilaku Konsumen, dan Marketing Plan. Jakarta: PT.Ghalia Indonesia.
Turban. E., King. D., Lee. J. K., Liang, T. P., and Turban, D.C., (2015), Electronic Commerce: A Managerial and Social Networks Perspective. 8th Ed.
Wardoyo, & Andini, I. (2017). Sosial Facebook Dalam Penerapan Strategi Promosi Penjualan Online Shop. Jurnal Manajemen Daya Saing, 19(1), 1226. https://doi.org/10.23917/dayasaing.v19i1.5101
Anggraeni, P., & Madiawati, P. N. (2016). The Efect Of Trust And Information Quality To Online Purchase Decision On The Site Www.Traveloka.Com Penia. E-Proceeding of Management¯:, 3(2), 18801887.
Annisa, D. (2015). Pengaruh Kepercayaan, Kemudahan Dan Kualitas Informasi Terhadap Keputusan Pembelian Online Melalui Aplikasi Shopee (Studi Kasus Pada Mahasiswa Ilmu Komunikasi Universitas Mulawarman 2015 - 2017). 23(2), 112120.
Ayu Lestari, N. (2018). Pengaruh Kepercayaan Dan Kemudahan Transaksi Terhadap Keputusan Pembelian Secara Online Pada Situs Mataharimall.Com. Jurnal Ilmu Manajemen (JIM), 6(1), 18.
BI.go.id. (2019). Instrumen Pembayaran Non-Tunai (https://www.bi.go.id/id/sistem-pembayaran/instrumen-nontunai/unik/Contents/Default.asp diakses pada 13 Desember 2019).
Cekindo.com, (2019). Perkembangan Teknologi Finansial (Fintech) di Indonesia.(https://www.cekindo.com/id/group1-id/perkembangan-teknologi-finansial-fintech-di-indonesia diakses pada 13 November 2019)
Dailysocial.id, (2019). (https://dailysocial.id/post/shopee-paylater diakses pada 25 November 2019)
Davis,F.D. 1989. Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly.Vol. 13 No. 5: pp319-339.
Faspay.co.id. (2018). 3 Jenis Pembayaran Cashless Ini Lebih Disukai Millennials (https://www.faspay.co.id/2018/02/28/3-jenis-pembayaran-cashless-ini-lebih-disukai-millennials/ diakses pada 25 Januari 2020)
Gefen, David. (2002). œReflection on the dimensions of trust and trustworthiness among online consumers. Database3 for advances in information. New York
Ghozali, Imam. 2016. Aplikasi Analisis Multivariete Dengan Program IBM SPSS 23 (Edisi 8). Cetakan ke VIII. Semarang: Badan Penerbit Universitas Diponegoro.
Hadijah S. (2019) Aplikasi Layanan Pay Later Makin Diminati, Yuk Cek Keuntungan dan Kerugiannya. (https://www.cermati.com/artikel/aplikasi-layanan-pay-later-makin-diminati-yuk-cek-keuntungan-dan-kerugiannya diakses pada 13 November 2019)
Harahap, D. A. (2018). Perilaku Belanja Online Di Indonesia: Studi Kasus. JRMSI - Jurnal Riset Manajemen Sains Indonesia, 9(2), 193213. https://doi.org/10.21009/jrmsi.009.2.02
Istanti Fredianaika, issn: 2355-8869 dan E. 2356-2544. (2017). Pengaruh Harga, Kepercayaan, Kemudahan Berbelanja dan E-promosi Terhadap Keputusan Pembelian Belanja Online di Kota Surabaya. Jurnal Bisnis & Teknologi Politeknik, 4(1), 1422.
Iswara, D. (2016). Pengaruh Kepercayaan, Kemudahan, Kualitas Informasi Dan Persepsi Resiko Terhadap Keputusan Pembelian. IOSR Journal of Economics and Finance, 3(1), 1217. https://doi.org/https://doi.org/10.3929/ethz-b-000238666
Kotler, Philip & Kevin Lane Keller. 2009, Manajemen Pemasaran Edisi 13 Jilid 2. Penerbit Erlangga: Jakarta.
Li, N. and Zhang, P. (2002), œConsumer online shopping attitudes and behavior: an assessment of research.
Liang, T. P., & Lai, H. J. (2002). Effect of store design on consumer purchases: Van empirical study of on-line bookstores. Information and Management,39, 431-444.
Limpo, L., & Meryana. (2017). Effect of Trust and Easy on Decision Online Purchase toward Special Fashion Products. International Journal of Science and Research (IJSR), 6(10), 715717. https://doi.org/10.21275/ART20177118
Mahkota, A. P. (2014). Pengaruh Kepercayaan Dan Kenyamanan Terhadap Keputusan Pembelian Online (Studi Pada Pelanggan Website Ride Inc). Jurnal Administrasi Bisnis, 8(2).
Malhotra, N.K., 2009, Riset Pemasaran, Edisi keempat, Jilid 1, PT Indeks, Jakarta
Mohd.Yusoff, Y., Muhammad, Z., Mohd Zahari, M. S., Pasah, E. S., & Robert, E. (2009). Individual Differences, Perceived Ease of Use, and Perceived Usefulness in the E-Library Usage. Computer and Information Science, 2(1), 29. https://doi.org/10.5539/cis.v2n1p76
Nawangsari, S & Karmayanti (2018) Pengaruh Kepercayaan, Kemudahan, Dan Kualitas Informasi Terhadap Keputusan Pembelian Melalui Media Sosial Instagram (Studi Kasus Pada Online Shop YLK.Store). Konferensi Nasional Sistem Informasi 2018 STMIK Atma Luhur Pangkalpinang, 8 9 Maret 2018
NERACA, Berita Terkini Ekonomi Indonesia (2018). Riset: Shopee, Lazada, dan Tokopedia Brand yang Paling Diingat. (https://economy.okezone.com/read/2018/03/26/320/1878025/riset-shopee-lazada-dan-tokopedia-brand-yang-paling-diingat diakses pada 11 November 2019)
Pavlou, P. A. (2003). Consumer Acceptance of Electronic Commerce: Integrating Trust and Risk with the Technology Acceptance Model. International Journal of Electronic Commerce, 7 (3), 69103.
Priyono, A Agus¯;Hidayat, Ismail¯; Arifin, R. (2017). PengaruhKepercayaan, Kemudahan, Harga Dan KualitasInformasiPenggunaan E-CommeceTerhadap Keputusan PembelianSecaraOnline Pada Situs Bukalapak.Com. EJurnalRisetManajemen Prodi ManajemenFakultasEkonomiUnisma, 6(3), 6478.
R.Pennington., H. Dixon, Grover, V. (2003). The Role of System Trust in Business-to-Consumer Transactions. Pages 197-226. https://doi.org/10.1080/07421222.2003.11045777
Ramayah, T., & Ignatius, J. (2005). Impact of Perceived usefulness, Perceived ease of use and Perceived Enjoyment on Intention to Shop Online. ICFAI Journal of Systems Management (IJSM), 116. Retrieved from http://ramayah.com/journalarticlespdf/impactpesu.pdf
Riely M, Fajrian.(2019). Cetak Penjualan Rp 54 T, Shopee E-Commerce Terpopuler di Asia Tenggara. (https://katadata.co.id/berita/2019/08/23/cetak-penjualan-rp-54-t-shopee-e-commerce-terpopuler-di-asia-tenggara diakses pada 25 Oktober 2019)
Setyowati D. (2019). Riset: Fitur Paylater OVO Paling Banyak Digunakan Tahun Ini (https://katadata.co.id/berita/2019/11/27/riset-fitur-paylater-ovo-paling-banyak-digunakan-tahun-ini diakses pada 10 Februari 2020)
Simamora. B., 2005, Riset pemasaran: Falsafah, teori, dan aplikasi, PT Gramedia Pustaka Utama, Jakarta
Sudjadmika, F. V. (2017). Pengaruh Harga, Ulasan Produk, Kemudahan, Dan Keamanan Terhadap Keputusan Pembelian Secara Online Di Tokopedia.Com. AGORA, Vol. 5, No. 1.
Suki, N. M. (2011). Exploring the relationship between perceived usefulness, perceived ease of use, perceived enjoyment, attitude and subscribers intention towards using 3G mobile services. Journal of Information Technology Management, XXII(1), 17.
Sumarwan, Ujang. 2015. Pemasaran Strategik:Prespektif Perilaku Konsumen, dan Marketing Plan. Jakarta: PT.Ghalia Indonesia.
Turban. E., King. D., Lee. J. K., Liang, T. P., and Turban, D.C., (2015), Electronic Commerce: A Managerial and Social Networks Perspective. 8th Ed.
Wardoyo, & Andini, I. (2017). Sosial Facebook Dalam Penerapan Strategi Promosi Penjualan Online Shop. Jurnal Manajemen Daya Saing, 19(1), 1226. https://doi.org/10.23917/dayasaing.v19i1.5101
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2020-06-28
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Putri, F. A., & Iriani, S. S. (2020). Pengaruh Kepercayaan dan Kemudahan terhadap Keputusan Pembelian Menggunakan Pinjaman Online Shopee PayLater. Jurnal Ilmu Manajemen, 8(3), 818–828. https://doi.org/10.26740/jim.v8n3.p818-828
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