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Journal : Jurnal Ilmu Manajemen

A behavioral analysis of online loan application adoption: The roles of ease of use, risk, and trust in Rural Bali Suryawan, Tjokorda Gde Agung Wijaya Kesuma; Santikasari, Ni Nengah
JURNAL ILMU MANAJEMEN Vol. 21 No. 2 (2024): DECEMBER 2024
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jim.v21i2.78161

Abstract

The rapid advancement of technology, particularly in digital financial services, has significantly facilitated various societal activities, wherein individual behaviors to adopt new technologies are crucial factors. This study analyses the influence of perceived ease of use, perceived risk, and trust on the intention to use online loan applications among residents of Bangli, a rural regency in Bali, who have not yet adopted such applications. Utilizing an explanatory research design and a quantitative approach, this study involved 96 respondents selected through a nonprobability sampling method with a purposive sampling technique. Several analytical methods were employed, including validity and reliability testing, classical assumption testing, and multiple linear regression analysis. The findings reveal that perceived ease of use, perceived risk, and trust significantly affect adoption intentions both partially and simultaneously, with ease of use and trust positively influencing these intentions, while perceived risk has a negative effect on adoption intentions. This study contributes to international marketing management by offering insights into user behavior and the elements that foster or hinder fintech adoption in rural settings. By focusing on the roles of ease of use, risk perception, and trust, it provides a renewed perspective for enhancing the global expansion of fintech services.Keywords: Perceived Ease  of  Use; Perceived  Risk; Trust; Intention  to  Use; Online  Loan  Application Adoption
Behavior Analysis of Return Intention Revisit: The Role of Destination Service Quality Through End Statisfaction in Bali Yellow Waterfall Tourism Meryawan, I Wayan; Wijaya Kesuma Suryawan, Tjokorda Gde Agung; Handayani, Made Mulia; Eka Idayanti, I Dewa Agung Ayu; Fitriandari, Mahayanti
JURNAL ILMU MANAJEMEN Vol. 22 No. 1 (2025): JUNE 2025
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jim.v22i1.81880

Abstract

The degradation of tourist satisfaction behavior and low service standards has lowered the awareness of the behavioral intention of tourists to revisit certain tourist attractions. This is a benchmark for tourism object service providers to increase the behavioral intention of tourists to visit again, especially in waterfall tourism. This study analyzes the role of visitor satisfaction as an impact on the service quality and the behavioral intentions of tourists who have returned to Bali's Yellow Waterfall tourism. Adopting a quantitative research design, the selection of respondents was referred to as purposive random sampling based on criteria, with 100 respondents. The analytical method involving SEM-PLS 4, including direct and indirect hypothesis tests, the study revealed that the level of visitor satisfaction is a significant predictor as a mediator of the relationship between destination service quality and return visit intention. Furthermore, research shows that the quality of service felt by visitors does not have a significant direct influence on the intention of tourists to revisit. This finding recommends that waterfall tourism service providers improve service quality standards and meet visitor expectations to strengthen the sustainability of the intention to revisit.
Co-Authors Abdullah, Sharmini Ade Krisna, I Putu Pande Agus Fredy Maradona Agustin, Cindy Ahmad Sa’Bandi Anak Agung Istri Agung Ovy Dwijayanthi Ari Darma, Anak Agung Gede Agung Ayu Eka Idayanti, I Dewa Agung Ayu Putu Satya Widiantari Budi Utama, Gede Wira Cahyani, Ni Made Yuli Cokorda Istri Agung Vera Nindia Putri Dewi, Kadek Ary Purnama Dewi, Ni Nyoman Intan Ratna Dwijayanthi, Anak Agung Istri Gede Sri Darma Geriadi, Made Ayu Desy Gusta, I Made Handayani, Made Mulia I Dewa Agung Ayu Eka Idayanti1 I Gede Alan Vatara I Gede Mahatma Yogiswara Winatha I Gusti Agung Prabandari Tri Putri I Gusti Ayu Made Dian Pratiwi I Gusti Putu Agung Widya Goca I Kadek Dwi Diatmika I Kadek Sara Mandiyasa I KETUT SATRIA WIRADHARMA SUMERTAJAYA I Komang Sumerta I Komang Sumerta I Putu Agus Suwastawa I Wayan Cita Wardita I Wayan Meryawan I Wayan Suastika I Wayan Suastika, I Wayan Indah Widiantari, I Dewa Ayu Komang Pande Indra Krisna Wiana Kurniawan, I Putu Handy Kusuma, Ida Bagus Krishna Duta Made Mulia Handayani Mahayanti Fitriandari, Mahayanti Meiyani, Gusti Ayu Eva Meryawan, I Wayan Ni Kadek Enny Purwati Ni Kadek Rika Damayanti Ni Ketut Sukanti Ni Ketut Susanti Ni Putu Harini Putri Ni Putu Pebriani Ni Putu Ratih Purnama Yeni Ni Wayan Mendrawati Nyoman Andika Triadhi Nyoman Andika Triadhi Perdana, I Gede Putra Pratama, Octavianus Sumardana Pratiwi, I Gusti Ayu Made Dian Putri, Putu Pita Pyona Putu Gede Denny Herlambang Riyana Miranti, Riyana Santikasari, Ni Nengah Sharmini Abdullah Sharmini Abdullah Sumerta, I Komang Sumerta, Komang Suwandana, I Made Adi Swetasoma, Cokorda Gede Tri Putri, I Gusti Agung Prabandari Vera Nindia Putri, Cokorda Istri Agung Vijaya, Made Pramana Wijaya, Bagus Arya Yani, Ni Kadek Merta