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All Journal SEIKO : Journal of Management & Business Gorontalo Accounting Journal Jurnal Informasi dan Teknologi International Journal of Economics Development Research (IJEDR) Coopetition : Jurnal Ilmiah Manajemen Jurnal Penelitian Inovatif Studi Akuntansi, Keuangan, dan Manajemen JURNAL SIPISSANGNGI: Jurnal Pengabdian Kepada Masyarakat JER Economic: Journal Economic and Business
Syamsuddin, Fajar Rakasiwi
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Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Public Health Social Sciences Other

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The Influence of Perceived Ease of Use on Behavioral Intention Through Perceived Usefulness as an Intervening Medium in Digital Payment DANA Hasmiana, Hasmiana; Syamsuddin, Fajar Rakasiwi
Jurnal Economic Resource Vol. 7 No. 2 (2024): September - February
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v7i2.1122

Abstract

The purpose of this study is to examine how behavioral intention to use the digital payment service DANA is influenced by perceived ease of use and how perceived usefulness functions as an intervening medium in this connection. The issue addressed is the poor acceptance rate of digital payment services, despite their excellent usability. A population survey of DANA users in Makassar is the methodology employed. Purposive sampling is the method utilized, and 150 respondents who have used DANA for at least six months were included in the sample. A questionnaire addressing the factors of perceived ease of use, perceived usefulness, and behavioral intention was used to gather data. The results of the linear regression analysis show that perceived ease of use has a positive and significant effect on perceived usefulness, which in turn positively affects behavioral intention. These results imply that improving the DANA application's usability can raise users' opinions of its value and, in turn, their desire to keep using the service. In order to design better user-friendly features and promote wider adoption, app developers can benefit greatly from the insights this research offers.
Corporate Social Responsibility as a Moderator of Good Corporate Governance with Company Performance Syamsuddin, Fajar Rakasiwi
Jurnal Economic Resource Vol. 8 No. 1 (2025): March-August
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v8i1.1428

Abstract

This study aims to understand financial literacy as a preventive measure against consumer behavior resulting from online loans. The problem addressed is the increasing use of online loans, which often leads users to fall into uncontrolled consumer behavior. The method employed in this study is a literature review, examining various relevant references and previous research. The analysis focuses on literature discussing the relationship between financial literacy and consumer behavior, as well as the factors influencing decisions to use online loans. The findings indicate that high financial literacy plays a crucial role in reducing consumer behavior; individuals with a good understanding of financial management tend to be more cautious when taking online loans and are better able to manage their expenditures. These findings emphasize the importance of financial literacy education as an effective preventive step to mitigate the negative impacts of online loans on society. This research makes a significant contribution to the understanding of the importance of financial literacy in the context of online lending and consumptive behavior and forms the basis for further research in this area.
Co-Authors Andriyansah . Anfas, Anfas Bulkis Bulkis Dirmansyah Darwin Fandika, Habib Fausiah, Andi Hasmiana, Hasmiana Muhammad Amrullah Pagala Riva'i, Dian Rahmayanti Saddam Husain Tamrin Said, Samsuardi Samsuardi Said Thamrin, Saddam Husain Wulandari, Futri Ayu