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All Journal Kinerja Proceeding Seminar LPPM UMP Tahun 2014 DERIVATIF Jurnal Pengabdian UntukMu NegeRI Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Journal of Economic, Bussines and Accounting (COSTING) EKONOMIS : Journal of Economics and Business Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Agritech: Jurnal Fakultas Pertanian Universitas Muhammadiyah Purwokerto International Journal of Economics, Business and Accounting Research (IJEBAR) Dinamika Journal : Pengabdian Masyarakat Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business Jurnal ABDINUS : Jurnal Pengabdian Nusantara International Journal of Business, Humanities, Education and Social Sciences (IJBHES) Proceedings Series on Physical & Formal Sciences East Asian Journal of Multidisciplinary Research (EAJMR) Media Ekonomi Master: Jurnal Manajemen dan Bisnis Terapan Asian Journal of Management Analytics Prosiding Seminar Nasional Hasil-hasil Penelitian dan Pengabdian Pada Masyarakat International Journal of Business and Applied Economics (IJBAE) Jurnal Manajemen Bisnis, Akuntansi dan Keuangan Jurnal Ekonomi Pembangunan, Manajemen & Bisnis, Akuntansi Paradoks : Jurnal Ilmu Ekonomi El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam IJMA Jurnal Pengabdian Kepada Masyarakat Kalam Journal of Ekonomics, Finance, and Management Studies Journal of Society, Community and Business Development
Tri Septin Muji Rahayu, Tri Septin
Fakultas Ekonomi Dan Bisnis Universitas Muhammadiyah Purwokerto
Religion Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering Public Health Social Sciences Other

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Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunaan, Persepsi Risiko, Gaya Hidup dan Kepercayaan Terhadap Minat Menggunakan QRIS pada Gen-Z di Purwokerto Maulana, Muhammad Fadhiil; Astuti, Herni Justiana; Rahayu, Tri Septin Muji; Bagis, Fatmah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i3.11250

Abstract

This study aims to analyze the influence of perceived usefulness, perceived ease of use, perceived risk, lifestyle, and trust on the intention to use QRIS-based electronic money among Generation Z in Purwokerto. The research employs a quantitative approach with a purposive sampling method. The sample size was determined based on Hair’s criteria, namely five times the number of indicators (5 × 22 indicators), resulting in 110 samples, which were then rounded up to 150 respondents to enhance data accuracy. Data analysis was conducted using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) 4.0 approach. The results indicate that perceived usefulness and trust have a positive and significant effect on the intention to use QRIS among Generation Z. However, perceived ease of use and lifestyle were found to have no significant effect on this intention. Furthermore, perceived risk was also found to have no significant influence on the intention to use QRIS. This finding is attributed to the high level of digital literacy and self-efficacy among Generation Z, which leads them to perceive risks as tolerable compared to the benefits offered. The implications of this study suggest that financial service providers should focus their development strategies on strengthening cybersecurity infrastructure to maintain user trust and enhancing functional benefit features that support daily transaction efficiency. Theoretically, this study confirms that for digital natives, ease of use is no longer a major barrier due to their high digital literacy capacity. In addition, as QRIS usage has become an inclusive necessity rather than merely a lifestyle symbol, MSME actors are encouraged to provide this system to meet the public’s need for practical daily transactions
Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunaan, Persepsi Risiko, Gaya Hidup dan Kepercayaan Terhadap Minat Menggunakan QRIS pada Gen-Z di Purwokerto Muhammad Fadhiil Maulana; Herni Justiana Astuti; Tri Septin Muji Rahayu; Fatmah Bagis
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i3.11250

Abstract

This study aims to analyze the influence of perceived usefulness, perceived ease of use, perceived risk, lifestyle, and trust on the intention to use QRIS-based electronic money among Generation Z in Purwokerto. The research employs a quantitative approach with a purposive sampling method. The sample size was determined based on Hair’s criteria, namely five times the number of indicators (5 × 22 indicators), resulting in 110 samples, which were then rounded up to 150 respondents to enhance data accuracy. Data analysis was conducted using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) 4.0 approach. The results indicate that perceived usefulness and trust have a positive and significant effect on the intention to use QRIS among Generation Z. However, perceived ease of use and lifestyle were found to have no significant effect on this intention. Furthermore, perceived risk was also found to have no significant influence on the intention to use QRIS. This finding is attributed to the high level of digital literacy and self-efficacy among Generation Z, which leads them to perceive risks as tolerable compared to the benefits offered. The implications of this study suggest that financial service providers should focus their development strategies on strengthening cybersecurity infrastructure to maintain user trust and enhancing functional benefit features that support daily transaction efficiency. Theoretically, this study confirms that for digital natives, ease of use is no longer a major barrier due to their high digital literacy capacity. In addition, as QRIS usage has become an inclusive necessity rather than merely a lifestyle symbol, MSME actors are encouraged to provide this system to meet the public’s need for practical daily transactions
The Influence of Influencer Marketing, Electronic Word of Mouth, and Brand Trust on Purchasing Decisions for Sunscreen Facetology in Generation Z in East Purwokerto Rahayu, Tri Septin Muji; Aulia, Putri Rizky; Widyaningtyas, Dian; Fauziridwan, Meydy
Ekonomis: Journal of Economics and Business Vol 10, No 1 (2026): Maret
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v10i1.2533

Abstract

This study aims to determine the effect of Influencer Marketing, Electronic Word of Mouth, and Brand Trust on Purchasing Decisions for Sunscreen Facetology in Generation Z in East Purwokerto. The research instrument used a questionnaire to collect data on Generation Z in East Purwokerto. The sampling approach used was purposing sampling with a non-probability method. Data were analyzed using multiple linear regression tests. Influencer marketing (X1) has a positive but insignificant effect on piurchasing decisions (Y). Meanwhile, electronic word of mouth (X2) and brand trust (X3) have a significant positive effect on purchasing decisions (Y) for Facetology Sunscreen.
PENGARUH KUALITAS PRODUK, CITRA MEREK, PERSEPSI HARGA DAN DESAIN PRODUK TERHADAP KEPUTUSAN PEMBELIAN KOSMETIK WARDAH PADA MAHASISWA UNIVERSITAS MUHAMMADIYAH PURWOKERTO Alifa, Nadya Nur; Widyaningtyas, Dian; Rahayu, Tri Septin Muji; Haryanto, Totok
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 15 No. 2 (2026)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v15i2.3752

Abstract

Introduction: This study aims to investigate the impact of product quality, brand image, price perception, and product design on students’ purchase decisions for Wardah cosmetics at Muhammadiyah University Purwokerto.Methods: Purposive sampling was used, with a total of 130 respondents who had purchased and used Wardah cosmetic products. Results: Product quality, price perception, and product design have a positive and significant effect on purchasing decisions. This suggests that consumers prioritize good quality, a reasonable price, and attractive product design when making purchasing decisions. Meanwhile, brand image does not have a significant effect on purchasing decisions. Although consumers have certain perceptions of the Wardah brand, its brand image is not strong enough to influence purchasing decisions. Consumers generally focus more on the direct benefits of Wardah cosmetics.Conclusion and Suggestion: This study demonstrates that companies must prioritize enhancing product quality, offering prices that align with the benefits provided, and developing more appealing product designs to influence purchasing decisions, as these factors have been proven to drive purchasing decisions. Keywords: Brand Image, Price Perception, Product Design, Product Quality, Purchase Decision,
Co-Authors Abiansyah, Iqbal Nafis Agnes Hidiani Akbar Rakhman Akhmad Darmawan Alfalisyado Alfalisyado Alifa, Nadya Nur Annisa Ilma Hartikasari Aqila Jihan Putri Rahardin Rahardin Ari Ardi Susanto Arini Hidayah, Arini Aulia, Putri Rizky Bagis, Fatmah Biky, Muh Amir Dumasari Dumasari, Dumasari Erny Rachmawati Fatmah Bagis Fauzan Fananny Fauziridwan, Meydy Febrianti, Esa Rahmah Handayani, Erna Hartika, Aliza Dwi Haryanto, Totok Hengky Widhiandono, M.Si. S.E. Hermin Endratno Herni Justiana Astuti Herni Justiana Astuti Ika Yustina Rahmawati Kharismasyah, Alfato Yusnar Kurnia Widi Setianingsih Lusiana Suprapti Luthfi Zamakhsyari Maulana, Muhammad Fadhiil Miftahuddin, Muchammad Agung Mudjiyanti, Rina Muhammad Agung Miftahuddin Muhammad Fadhiil Maulana Najri Aziz Nisa Hidayah Hidayah Nurhikmah, Salma Tiana Pangesti, Navrila Aida Purnadi, Purnadi Randikaparsa, Irawan Resti Handayani, Resti Restu Frida Utami Retno Dwiyanti Ridho Nurrohman Nurrohman Rizqullah, Naufal Arkan Rizqullah, Naufal Khosyi Rosita, Ai Sinta Salsa Bila, Meisya Noor Selamat Eko Budi Santoso Setiawan, Miko Slamet Budi Santoso Sulistyani Budiningsih Sururiyah, Mar'atun Suyoto Suyoto Syifaramadan, Choiruddin Triana, Prisca Restu Tubastuvi, Naelati Tubastuvi Utami , Restu Frida Utami, Restu Frida Utami Vyna Monicca Widiastuty Watemin, Watemin Wida Purwidianti Wida Purwidiyanti, Wida Widyaningtyas, Dian Wiranti, Elza Devi Zakiyah, Hanifa Shafa Zamakhsyari, Luthfi