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All Journal Ekonomia Global Research in Economics and Advanced Theory Sumber Informasi Manajemen Bisnis dan Akuntansi Inovbiz : Jurnal Inovasi Bisnis
Mahyuddin
Universitas Muhammadiyah Aceh
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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Pengaruh Kemudahan Transaksi, Persepsi Risiko, Dan Kepercayaan Terhadap Keputusan Pembelian Menggunakan Shopee Di Kota Banda Aceh M. Ikhsan Amarullah; Erlinda; Mahyuddin
Ekonomia Vol. 16 No. 1 (2026): Maret Ekonomia
Publisher : Universitas Lembah Dempo

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kemudahan transaksi, persepsi risiko dan kepercayaan terhadap keputusan pembelian mengunakan Shopee di kota Banda Aceh. Metode analisis yang digunakan kuantitatif. Populasi dalam penelitian ini adalah seluruh masysrakat di kota Banda Aceh yang aktif mengunakan shopee dalam setahun terakhir. Sampel penelitian  ini ditetapkan sebanyak 96 pelanggan. Data yang digunakan adalah data primer yang dikumpulkan dengan pembagian kuesioner. Teknik analisis menggunakan regresi linier berganda. Instrumen kuesioner di uji validitas (Rhitung 0,888– 0,939 > Rtabel 0,198) dan uji reliabilitas (Cronbach’s Alpha 0,955– 0,961 > 0,60) sehingga indikator dinyatakan valid dan reliabel. Teknik analisis data menggunakan regresi linier berganda yang menghasilkan Y= 3,819 + 0,505X1 +0,214X2 +0,480X3 + e. Hasil uji t menunjukkan kemudahan transaksi (t = 2,803; β = 1,986; sig. 0,006 berpengaruh secara positif dan siqnifikan dan persepsi risiko (t = 1,164; β = 1,986 ; sig. 0,006 tidak berpengaruh secara signifikan terhadap keputusan pembelian di e-commerce shopee. Sedangkan kepercayaan (t = 2.005; β = 1,986; sig. 0,048 berpengaruh secara signifikan terhadap keputusan pembelian pada aplikasi Shopee. Selanjutnya secara simultan uji F memperoleh Fhitung 70,511 >Ftabel 2,704 dengan sig. 0,000. lai signifikansi ini jauh lebih kecil dari batas signifikan 0,05, sehingga dapat disimpulkan bahwa model regresi yang dibentuk adalah signifikan secara statistik.dapat disimpulkan R = 0,835, Adiusted R Square. Adiusted R Square adalah 0,687 atau 68,7% dapat di artikan perubahan pada keputusan pembelian ditentukan oleh kemudahan transaksi, perspsi risiko dan kepercayaan, sedangkan sisanya 31,4% ditentukan oleh variabel lain diluar model penelitian.
THE PRIVACY, TRUST, AND CUSTOMER EXPERIENCE AS KEY DRIVERS OF ONLINE PURCHASE DECISIONS: EVIDENCE FROM SHOPEE USERS IN BANDA ACEH Mahyuddin
SUMBER INFORMASI MANAJEMEN BISNIS DAN AKUNTANSI Vol 3 No 1 (2026): SIMBAN Journal
Publisher : Gabungan Riset Edukasi dan Ekplorasi Teori (GREET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65788/simban.v3i1.98

Abstract

This study aims to analyze the influence of privacy, trust, and experience on purchasing decisions through the Shopee platform in Banda Aceh City. The rapid growth of e-commerce requires a deeper understanding of the factors influencing consumer behavior in online transactions. This research employs a quantitative approach using a survey method targeting Shopee consumers in Banda Aceh City. The sampling technique applied was purposive sampling, with respondents selected based on their prior purchasing experience on Shopee. Data were analyzed using multiple linear regression to examine both partial and simultaneous effects among variables. The results indicate that privacy, trust, and experience have a positive and significant influence on purchasing decisions. Simultaneously, these three variables contribute significantly to enhancing consumer purchasing decisions. These findings suggest that personal data protection, the level of trust in the platform, and positive shopping experiences are crucial factors in encouraging consumer purchasing decisions through Shopee in Banda Aceh City
The Influence Of Content Marketing, Social Media Interaction, And Consumer Trust On Purchase Decisions On Tokopedia (A Case Study Of University Students In Banda Aceh) Wahyuni; Fani Sartika; Mahyuddin
Inovbiz: Jurnal Inovasi Bisnis Vol 14 No 2 (2026): Edition December 2026
Publisher : P3M Politeknik Negeri Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35314/inovbiz.v14.i2.1868

Abstract

This study aims to analyze the effect of Content Marketing, Social Media Interaction, and Consumer Trust on Purchase Decisions on the Tokopedia platform, with a case study of students in Banda Aceh City. This research uses a quantitative approach with a survey method involving 96 respondents selected through purposive sampling, and the data were analyzed using multiple linear regression. The results show that partially and simultaneously, Content Marketing, Social Media Interaction, and Consumer Trust have a positive and significant effect on Purchase Decisions, with Consumer Trust being the most dominant variable. This indicates that the better the quality of the content presented, the higher the level of social media interaction, and the stronger the consumer trust, the higher the purchase decisions on the e-commerce platform. Therefore, improving the quality of content marketing, increasing active interaction, and strengthening consumer trust are important factors in encouraging higher purchase decisions.
DIGITAL FINANCIAL COMPETITION AND ISLAMIC BANK STABILITY: FINANCING RISK, CAPITAL BUFFERS, AND INSTITUTIONAL QUALITY Mahyuddin; Aida Fitri; Hendri Mauliansyah
GLOBAL RESEARCH IN ECONOMICS AND ADVANCE THEORY (GREAT) Vol 3 No 4 (2026): GREAT Journal
Publisher : GREET

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65788/greatjournal.v3i4.150

Abstract

The rapid expansion of fintech firms and digital financial platforms is reshaping competitive dynamics in banking, yet the implications of digital financial competition for Islamic bank stability remain insufficiently understood. This study proposes an integrated framework to examine the relationship between digital financial competition and Islamic bank stability, focusing on financing risk as a mediating mechanism and bank capitalization and institutional quality as moderating factors. Drawing on the competition-fragility and competition-stability perspectives, the study distinguishes digital financial competition from digital financial inclusion and technology adoption. The proposed empirical analysis employs annual panel data from eight Islamic banks in Indonesia and Malaysia over 2015–2025, subject to data availability and consistency. Bank stability is measured using the Z-score, financing risk using the non-performing financing ratio, capitalization using the capital adequacy ratio or a comparable measure, and institutional quality using selected Worldwide Governance Indicators. Panel regression, mediation analysis, interaction effects, and robustness tests will be used to evaluate the proposed relationships. The study aims to contribute to the Islamic banking literature by clarifying the potential mechanisms through which digital competitive pressure may be associated with financial stability and the conditions under which these relationships may vary. Its practical implications concern capital planning, financing-risk management, and institutional oversight amid the digital transformation of Islamic banking. The proposed relationships and contributions remain subject to empirical validation.
Co-Authors Aida Fitri Erlinda Fani Sartika Hendri Mauliansyah M. Ikhsan Amarullah Wahyuni