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All Journal Ekopedia: Jurnal Ilmiah Ekonomi Jurnal Ilmiah Ekonomi dan Manajemen Indonesia
Kusworo Kusworo
Universitas Negeri Jakarta
Economics, Econometrics & Finance

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Pengaruh Literasi Keuangan, Keamanan Transaksi, dan Kemudahan Pengguna terhadap Keputusan Penggunaan QRIS pada Siswa Jurusan Bisnis Ritel SMK Negeri 14 Jakarta Chika Oktapiani; Nadya Fadillah Fidhyallah; Kusworo Kusworo
Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Vol. 2 No. 1 (2026): JANUARI -JUNI
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/zdxk7p31

Abstract

This study aims to analyze the influence of financial literacy, transaction security, and user convenience on the decision to use QRIS among retail business students at SMK Negeri 14 Jakarta. This study uses a quantitative approach with associative research type. Data were obtained from questionnaires distributed to retail business students at SMK Negeri 14 Jakarta using non-probability sampling with purposive sampling approach. Data were processed using multiple linear regression analysis with SPSS. The results show that financial literacy and user convenience have a positive and significant effect on the decision to use QRIS. Meanwhile, transaction security has no significant effect on the decision to use QRIS. In addition, financial literacy, transaction security, and user convenience simultaneously affect the decision to use QRIS. These findings indicate that the decision to use QRIS among students is influenced by understanding of financial literacy and perceived user convenience. This research is expected to be a consideration for schools and related parties in improving digital payment methods among students.
Pengaruh Trust, Perceived Value, dan E-WOM terhadap Keputusan Pembelian pada TikTok Live Commerce di Kalangan Gen Z Dini Septi Aulina; Corry Yohana; Kusworo Kusworo
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 3 (2026): JULI-SEPTEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/nht86032

Abstract

This study aims to analyze the effect of trust, perceived value, and electronic word of mouth (E-WOM) on purchasing decisions among Generation Z consumers on TikTok Live Commerce. A quantitative approach with a causal cross-sectional design was employed, involving 140 respondents selected using purposive sampling in DKI Jakarta. Data were collected through online questionnaires and analyzed using IBM SPSS 31, including validity and reliability tests, classical assumption tests, multiple linear regression, and hypothesis testing. The findings indicate that perceived value and E-WOM have a positive and significant effect on purchasing decisions, both partially and simultaneously, while trust does not have a significant effect. E-WOM was identified as the most dominant variable influencing purchasing decisions. The coefficient of determination (R²) showed that the three independent variables jointly explained 68.1% of the variation in purchasing decisions, while the remaining 31.9% were explained by other factors outside the model. These findings support the perspective that consumer decisions in social commerce are not solely determined by trust, but are more strongly driven by perceived value and real-time electronic word of mouth, particularly through live comments and interactions during TikTok Live sessions. This study contributes to the understanding of consumer behavior in the context of social commerce and provides practical insights for businesses in managing live streaming strategies to enhance consumer purchasing decisions
Co-Authors Chika Oktapiani Corry Yohana Dini Septi Aulina Fidhyallah, Nadya Fadillah