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All Journal Jurnal Manajemen Teknologi Journal The Winners SITEKIN: Jurnal Sains, Teknologi dan Industri Jurnal Minds: Manajemen Ide dan Inspirasi The International Journal of Accounting and Business Society Syntax Literate: Jurnal Ilmiah Indonesia Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Journal of Economics and Business UBS International Journal of Science and Society (IJSOC) Journal Of World Science Jurnal Locus Penelitian dan Pengabdian Journal Research of Social Science, Economics, and Management
Willy Gunadi
Binus Business School, Bina Nusantara University, Jakarta
Religion Aerospace Engineering Arts Humanities Automotive Engineering Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Social Sciences Other

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The Intention to use Digital Payment in the UMKM Sector in Manado City Jeisa Sumarauw, Zoya; Wawolumaja, Joana Elisa; Puspitasari M A Taha, Ria Kurnia; Gunadi, Willy
Journal of World Science Vol. 3 No. 2 (2024): Journal of World Science
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jws.v3i2.551

Abstract

This study aims to understand and analyze how MSMEs in Manado City promote the development of digital payment usage. It employs a quantitative method, with 201 respondents particularly from the culinary sector of North Sulawesi Province, focusing on Manado City. Sampling was conducted through an online questionnaire using Google Forms distributed via social media. The research applies the Technology Acceptance Model (TAM) with modifications, incorporating perceived risk and social influence variables. Convenience sampling was utilized, and data was analyzed using SEM-PLS software. The findings demonstrate that all constructs tested—perceived ease of use, perceived usefulness, perceived risk, and social influence—can influence attitudes in encouraging MSMEs to adopt digital payment methods in their businesses. The implications of this research suggest that awareness of the importance of perceived ease of use, perceived usefulness, perceived risk, and social influence in adopting digital payments can help MSMEs increase acceptance and usage of digital payment methods in their business operations. Therefore, development and promotional strategies focusing on strengthening these factors could be key in accelerating digital payment adoption by MSMEs. Additionally, stakeholders, including the government and industry players, can utilize these findings as a basis for developing policies and support programs aimed at expanding digital payment penetration in the MSME sector.
The Effect of Trust In The Soco Community on Repurchase Intention in Social E-Commerce Roseline, Klaudia; Gunadi, Willy
SITEKIN: Jurnal Sains, Teknologi dan Industri Vol 20, No 2 (2023): June 2023
Publisher : Fakultas Sains dan Teknologi Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/sitekin.v20i2.22071

Abstract

The virtual community strategy is a marketing strategy that is interactive, inexpensive, influential, and can increase sales for e-commerce. Sociolla is the largest beauty e-commerce that has a SOCO virtual community platform. With advanced technology, SOCO's community platform has many features to encourage product and beauty-related reviews, discussions, and topics. The purpose of this study is to analyze the relationship between familiarity, perceived similarity, social network, structural assurance, trust propensity, impression management, Trust in members, trust in the website, intention to get information, and repurchase intention among members of the Sociolla virtual community, who is domiciled in Jakarta. Using PLS-SEM analysis, Bogor, Depok, Tangerang, and Bekasi have purchased on the Sociolla site in the last six months. Rust is essential because beauty products depend on each user's skin condition. This research concludes that structural assurance, trust propensity, and impression management significantly affect Trust in members. Trust propensity and impression management significantly ultimately affect the Trust in the website. Confidence in members and Trust in the website significantly positively affect the intention to get information. Trust in members and Trust in the website significantly positively affect the repurchase intention.
Analysis Of the Influence of Brand Image, Trust, E-Service Quality, and Loyalty Program on Customer Satisfaction and Customer Loyalty on E-Wallet Usage Pramono, Yogi; Bramantyo, Mahardian Ardhi; Syukur, Muhammad; Dewabroto, Wisnu Sakti; Gunadi, Willy
The International Journal of Accounting and Business Society Vol. 31 No. 2 (2023): The International Journal of Accounting and Business Society
Publisher : Accounting Department,

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ijabs.2023.31.2.779

Abstract

Purpose — to discover the factors that influence the level of loyalty of e-wallet service users (customer loyalty) when using e-wallet services in Indonesia. Design/methodology/approach—This research uses primary data sources, namely survey data taken using questionnaires made in online media. The questionnaires were distributed to respondents who are active users of e-wallet payment channels via WhatsApp, social media, and personal and group networks. Findings — independent variables significantly affect customer satisfaction: e-service quality, trust, and brand image. The independent variables significantly affecting customer loyalty are e-service quality and customer satisfaction. The other independent variables, namely the loyalty program, have no significant effect on customer satisfaction, and the variables of trust and brand image do not directly and significantly affect customer loyalty of e-wallet users in Indonesia as a mediating variable, customer satisfaction is considered to be a mediating variable between brand image and customer loyalty. However, customer satisfaction cannot be a mediating variable between e-service quality, loyalty, and loyalty programs. Practical implications —     The results of this study can provide a managerial basis for e-wallet services in Indonesia to improve its strategy for increasing customer loyalty to using e-wallet services in Indonesia. Originality/value — This research provides evidence that without any current program, customer loyalty is very high, e-wallet customers have 100% trust both when depositing funds in the e-wallet, the confidentiality of the data provided, as well as other legal aspects that can affect when using e-wallets. -wallets. Therefore, the company should continue to ensure security from a financial perspective and data from internal and external disturbances that will disrupt the company's operations. Paper type — Quantitative Research (Primary)
Factors Toward Risk Influencing Millennials Willingness to Invest in Peer-to-Peer Lending Sisilia, Heng; Bustan, Stella Octaviani; Lestadi, Arief Kristianto; Gunadi, Willy
International Journal of Science and Society Vol 6 No 1 (2024): International Journal of Science and Society (IJSOC)
Publisher : GoAcademica Research & Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/ijsoc.v6i1.1056

Abstract

The objective of this study is to analyze the factors influencing the risk perception that affects millennials' willingness to invest in P2P lending. To achieve this goal, a conceptual model was developed involving variables such as financial literacy, company reputation, information security awareness, risk perception, and intention to invest. The sample consisted of 220 respondents, and data were collected through a questionnaire. Structural Equation Modeling and SmartPLS Statistical Software were used to examine the data. The study’s results suggest that, while financial literacy does not significantly affect risk perception, firm reputation and information security knowledge do. The findings also demonstrate that risk perception has a major impact on the intention to invest. The implications of this research highlight the importance of reputation and information security in shaping risk perception in the fintech sector. Fintech companies should prioritize building a strong reputation through good service, transparency, and authentic communication, as well as implementing robust cybersecurity measures to protect investor data. Financial practitioners also need to educate investors about risks and emphasize the importance of reputation and information security in decision-making, providing guidance in risk assessment and management aligned with investors' goals and risk tolerance.
Pengaruh Korean Brand Ambassador Credibility Terhadap Impulse Buying Pada Produk E-Commerce di Indonesia Wirasti, Arinka Retna; Sari Puspita, Ni Putu Pradipta; Gunadi, Willy
Syntax Literate Jurnal Ilmiah Indonesia
Publisher : Syntax Corporation

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (386.341 KB) | DOI: 10.36418/syntax-literate.v8i3.11523

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh dari Korean brand ambassador credibility terhadap impulse buying pada e-commerce di Indonesia. Sampel penelitian berjumlah 248 responden dengan kriteria yaitu berdomisili di Jabodetabek, pengguna platform e-commerce, dan melakukan minimal tiga kali pembelanjaan secara impulsif yang disebabkan oleh adanya brand ambassador. Pengumpulan data menggunakan kuesioner yang disebar secara online, responden akan menjawab kuesioner dengan memilih jawaban menggunakan skala likert dari angka 1 sampai angka 5. Metode yang digunakan adalah PLS-SEM menggunakan SmartPLS 3.0. Hasil penelitian menunjukkan bahwa brand ambassador credibility memiliki pengaruh terhadap fear of missing out dan juga terhadap impulse buying. Fear of missing out memiliki pengaruh terhadap impulse buying. Sementara untuk scarcity memiliki efek moderasi terhadap hubungan brand ambassador credibility dengan fear of missing out, namun scarcity memiliki efek yang dapat memperlemah pengaruh brand ambassador credibility terhadap impulse buying.
Anteseden Pembelian Makanan Organik di Indonesia Peruzzi, Mochammad Rafii; Alfiandi, Muhammad Fadi; Gunadi, Willy
Journal of Economics and Business UBS Vol. 12 No. 2 (2023): Regular Issue
Publisher : Cv. Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52644/joeb.v12i2.196

Abstract

Meningkatnya konsumsi manusia menyebabkan masalah pada lingkungan. Di sisi lain, banyak masyarakat Indonesia yang mulai menerapkan gaya hidup yang sehat dengan cara mengkonsumsi produk organik. Hadirnya fenomena COVID-19 juga telah memberikan dampak kepada pola hidup masyarakat. Penelitian ini bertujuan untuk menganalisis keterkaitan antara health consciousness, environmental knowledge, environmental concern, perceived value, organic food knowledge, attitude dan green purchase intention. Pengumpulan data dilakukan melalui penyebaran kuesioner secara online terhadap konsumen yang yang membeli dan mengkonsumsi makanan organik menggunakan penghasilan sendiri dan setiap bulannya melakukan pembelian produk makanan organik yang dilakukan dengan metode purposive sampling terhadap sebanyak 193 responden. Analisa data dalam penelitian ini dilakukan menggunakan metode PLS-SEM. Hasil pengujian hipotesis diperoleh temuan health consciousness, environmental knowledge, environmental concern, perceived value, dan organic food knowledge secara positif berdampak kepada attitude, subjective norm dan attitude secara positif berdampak kepada green purchase intention, green purchase intention secara positif berdampak kepada actual green purchase.
The Faktor-Faktor Yang Mempengaruhi Kepuasan Penumpang Serta Dampaknya Terhadap Loyalitas Penumpang: Studi Kasus Pada PT ASDP Indonesia Ferry (Peresro) di Wilayah Biak dan Sorong Meo, La Bansi; Tamba, Partogi; Gunadi, Willy
Journal of Economics and Business UBS Vol. 12 No. 4 (2023): Special Issue
Publisher : Cv. Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52644/joeb.v12i4.303

Abstract

Kapal Ferry Ro-Ro menjadi salah satu transportasi utama di Indonesia, dimana secara geografis terdiri dari 16.766 pulau berdasarkan data BPS (bps.go.id). Dalam menghubungkan antar pulau di wilayah Indonesia kapal Ferry Ro-Ro memiliki peran yang sangat penting untuk mendukung perkembangan ekonomi dan mengangkut hasil bumi sejak tahun 1912 dan sampai saat ini sebagai alat transportasi logistik Nasional. Sehingga kapal Ferry Ro-Ro menjadi pilihan masyarakat sebagai kapal serba guna dalam mengangkut hasil bumi, kendaraan dan penumpang. Belum adanya penelitian sebelumnya yang menganalisa terkait faktor-faktor yang mempengaruhi kepuasan penumpang serta dampaknya terhadap loyalitas penumpang di wilayah Indonesia Timur yang pelayarannya cukup ekstrim dengan jarak tempuh >12 jam sehingga mendorong dilakukannya penilitian. Tujuan penelitian ini untuk mengetahui pengaruh kualitas layanan, harga dan kepercayaan terhadap kepuasan penumpang yang berdampak terhadap loyalitas penumpang pada kapal PT ASDP Indonesia Ferry (Persero) di wilayah Biak dan Sorong pada lintasan Biak-Serui dan lintasan Sorong-Bintuni dengan populasi penumpang yang pernah menggunakan layanan kapal Ferry Ro-Ro. Metode survei yang digunakan pengumpulan data penelitian ini dengan menyebar kuesioner secara online. Metode analisis data yang digunakan untuk pengujian hipotesis adalah Partial Least Squares Structural Equation Modeling (PLS-SEM) dengan software SmartPLS versi.3.3.2. Jumlah sampel sebanyak 320 penumpang yang pernah menggunakan jasa layanan kapal Ferry Ro-Ro. Hasil penelitian menunjukan bahwa kualitas layanan, harga dan kepercayaan berpengaruh positif terhadap kepuasan penumpang dan kepuasan penumpang berpengaruh positif terhadap loyalitas penumpang.
Faktor-Faktor Yang Mempengaruhi Continuous Intention to Use dalam Konteks Digital Banking di Indonesia: Studi Kasus: Bank Raya Indonesia di Jakarta Sagita Putri, Defara; Irawan, Deni; Amanda, Melissa; Kartono, Rano; Gunadi, Willy
Journal of Economics and Business UBS Vol. 13 No. 1 (2024): Regular Issue
Publisher : Cv. Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52644/joeb.v13i1.1471

Abstract

Pandemi Covid-19 pertama kali diidentifikasi masuk ke Indonesia pada tahun 2020. Tujuan dari dilakukannya penelitian ini adalah untuk menjawab pertanyaan penelitian yang telah dijabarkan sebelumnya, yaitu: 1. Menganalisa pengaruh e-Service Quality terhadap Customer Experience di Bank Raya Indonesia. 2. Menganalisa pengaruh e-Service Quality terhadap Customer Satisfaction di Bank Raya Indonesia. Dalam suatu metode ilmiah terdapat dua tipe pendekatan, yaitu kualitatif dan kuantitatif. Penelitian ini berfokus pada faktor-faktor yang berpengaruh terhadap continuous intention to use dari nasabah Bank Raya Indonesia yang telah menggunakan aplikasi Bank Raya selama minimal 3 bulan dan berdomisili di Jakarta. Faktor-faktor yang terlibat dalam penelitian ini ialah e-service quality, customer experience, customer satisfaction dan trust untuk melihat pengaruhnya terhadap continuous intention to use sehingga diharapkan dapat berguna bagi perusahaan sebagai dasar evaluasi terhadap layanan yang diberikan bagi nasabah serta menjadi dasar pengambilan keputusan strategi yang sesuai untuk mencapai target perusahaan
Financial Literacy and the Continued Use of Paylater Services: An Application of the Theory of Planned Behavior Fauzia G, Frisca; Nidya, Firdiyanti; Tandra, Geraldi; Gunadi, Willy
Jurnal Locus Penelitian dan Pengabdian Vol. 4 No. 12 (2025): JURNAL LOCUS: Penelitian dan Pengabdian
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/locus.v4i12.4707

Abstract

Digitalization is now increasingly widespread, accelerating the transformation of the traditional financial industry to become more innovative and efficient through the presence of financial technology (fintech). One of the fastest-growing fintech services today is paylater, a short-term financing innovation that allows consumers to buy now and pay later. This study aims to examine the factors influencing the sustainable use of paylater by integrating the Theory of Planned Behavior (TPB) with the variables of Fear of Missing Out (FOMO), hedonic motivation, and financial literacy as moderators. Data collection was conducted through the distribution of online questionnaires involving 150 Generation Z respondents aged 19–25 years in the Jakarta and Tangerang areas, all of whom had used paylater in the last three months. This research uses a quantitative approach with the Partial Least Squares Structural Equation Model (PLS-SEM) analysis method. The results indicate that attitude, subjective norm, and perceived behavioral control (PBC) significantly and positively influence the continuous use of paylater. However, FOMO, hedonic motivation, and financial literacy do not significantly moderate the relationship between attitude and continuous usage.
Co-Authors Abdillah, Faturrahman Aditya, Febiyana Adityaputra, Muhammad Rizki Alfiandi, Muhammad Fadi Amanda, Melissa Andini, Arininta Nadya Arta M. Sundjaja Bramantyo, Mahardian Ardhi Bramantyo, Prima Laksana Bustan, Stella Octaviani Chandra, Hanry Caesar Deni Irawan, Deni Dennis Setiono Dewabroto, Wisnu Sakti Djoko Raditya Fatma Yufita Melisiana Angkasapuri Fauzia G, Frisca Fonda, Lie Gani, Leilani Halley Putri Kharisma Ian, Sebastian Jeisa Sumarauw, Zoya Jonathan Rawung Kartono, Rano Kezia Melodia Adiprasetya Kosasih, Dicky Mikhael Kusumawardhani, Annisya Lestadi, Arief Kristianto M. Hamsal Marsya Safira Sutrisno Meo, La Bansi Muhammad Syukur Nasir, Munawir Nidya, Firdiyanti Peruzzi, Mochammad Rafii Prabjit, Prabjit Pramono, Yogi Prasetyo, Singgih Hadi Puspitasari M A Taha, Ria Kurnia Rachma, Nabila Roseline, Klaudia Sagita Putri, Defara Salim, Cynthia Viorenza Sam Pradita, Ferdyn Nurwenda Sarendra, Tania Citra Sari Puspita, Ni Putu Pradipta Sisilia, Heng Stephanie, Diana Melliza Syafi Fabio Djohan Tamba, Partogi Tandra, Geraldi Tanil, Silviyani Vini Marianie Vici Wawolumaja, Joana Elisa Wirasti, Arinka Retna