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All Journal UNEJ e-Proceeding Bisma: Jurnal Bisnis dan Manajemen J-MKLI (Jurnal Manajemen dan Kearifan Lokal Indonesia) Batara Wisnu : Indonesian Journal of Community Services BISMA (Bisnis dan Manajemen) Jurnal Manajemen dan Pemasaran Jasa VALUE: Journal of Business Studies JPMA Jurnal Hasil Pengabdian Kepada Masyarakat Universitas Jember eJEBA
Ketut Indraningrat
Universitas Jember
Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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Intention model and factors leading to MSMEs falling into the trap of illegal online loans Farida, Lilik; Saleh, Chairul; Indraningrat, Ketut; Utami, Elok Sri; Apriliana, Tria
BISMA (Bisnis dan Manajemen) Vol. 18 No. 1 (2025)
Publisher : Universitas Negeri Surabaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/bisma.v18n1.p86-112

Abstract

The micro, small, and medium enterprises (MSMEs) sector in Indonesia plays a vital role in the economy and job creation, but often struggles with limited access to capital. As a result, many MSMEs turn to fintech solutions or online loans, including illegal ones, which usually trap them in high-interest debt. Factors influencing this behaviour include social norms, perceived behavioural control, financial literacy, risk perception, interest rates, social influence, perceived ease of use, perceived usefulness, trust in illegal loans, education level, and social media usage for advertising. At the same time, the Financial Services Authority (OJK) are working to reduce MSMEs’ involvement with illegal online loans. This research aims to examine the factors that drive MSMEs to use illegal loans, focusing on how trust in online loans and the intention to use them mediate this behaviour. Additionally, education level and frequency of social media use are examined as moderating factors. The study surveyed 330 MSMEs and analysed the data using structural equation modelling. The findings indicate that subjective norms significantly increase trust in illegal loans but do not significantly impact the intention to use them. Perceived behavioural control influences both trust and the intention to use illicit loans. Interest rates also have a significant positive effect on both trust and intention. Social influence increases trust but decreases the intention to use illegal loans. Lastly, the intention to use illicit loans strongly predicts actual behaviour, with education level reinforcing this link, while frequent social media use weakens it.
PENGARUH PROMOSI FLASH SALE DAN BRAND AMBASSADOR TERHADAP KEPUTUSAN PEMBELIAN MELALUI MINAT BELI PADA KONSUMEN SCARLETT DI JEMBER Wulandari, Deasy; Utami, Mega; Sukarno, Hari; Subagio, N. Ari; Indraningrat, Ketut
VALUE: Journal of Business Studies Vol. 4 No. 1 (2025): VALUE : Journal of Business Studies
Publisher : Study Program of Management Faculty of Economics and Business University of Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/value.v4i1.49224

Abstract

This research was conducted on consumers who had bought Scarlett in Jember. The aim is to determine the influence of consumers who wish to buy and decide to buy which is influenced by the flash sale promotions and brand ambassadors used by Scarlett. Data collection The method used was a questionnaire with a purposive sampling technique of 190 respondents from Jember who had purchased Scarlett at least once and were aged 20 years and over. Hypothesis test using path analysis with the help of SPSS 25. The results of this study state that: 1) Partial flash sale promotions have a significant influence on buying interest. 2) Brand ambassadors partially have a significant influence on purchasing interest. 3) Partial purchasing interest has a significant influence on purchasing decisions. 4) Partial flash sale promotions have a significant influence on purchasing decisions. Tourist experiences have a positive and significant effect on intention to visit again. 5) Brand ambassadors partially have a significant influence on purchasing decisions. 6) Flash sale promotions partially have a significant effect on purchasing decisions through purchase interest. 7) Brand ambassadors partially have a significant influence on purchasing decisions through purchase interest.
Co-Authors Abdul Halim Achmad Zamroni Hazim Adi Prasodjo Afandi, Mochammad Farid Agus Priyono Ahmad Ahsin Kusuma Mawardi Alif Mirzania Andi Eko Wiyono, Andi Eko Ayniyah, Zaqiyatul Ayu Sukmawati Ayunda Nurul Nirmala Bambang Irawan Chaerul Saleh Chairul Saleh Chairul Saleh Choirunnisa' Kurnia Safitri Christian, Juan Berly Deasy Wulandari Destari, Fajar Dewi Prihatini Diah Yulisetiarini Didik Pudjo Musmedi Eka Bambang Gusminto Elok Sri Utami Elok Sri Utami Evrylia Tri Purnama Sari Fajar Destari Farid Afandi, Mochammad Furqoni, Deurucci Sabda Gusti Ayu Wulandari Hafifatul Hijriah Hari Sukarno Herlina Herlina Herlina Herlina Imam Suroso Kristanto, Okta Dwi Kristian Suhartadi Widi Nugraha Lilik Farida Marmono Singgih Maulita Nanda Nilam Putri Mirzania, Alif Mirzania N. Ari Subagio Nanda Fatimatuzzahrah Nila Anindya Anggraini Nyoman Gede Krishnabudi Pradiptya Ayu Harsita Prasetyaningtyas, Susanti Raden Andi Sularso, Raden Andi Riska Rian Fauziah Rizqi Maulana Ilham Akbar Senna Saflianda Cendikia Putra Sundari, Sri Susanti Prasetiyaningtiyas Tatok Endhiarto Tria Apriliana, Tria Triana Lindriati Utami, Mega Yuli Wibowo