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All Journal Syntax Literate: Jurnal Ilmiah Indonesia Journal of Economic, Bussines and Accounting (COSTING) Value: Jurnal Manajemen dan Akuntansi Syntax Idea Airlangga International Journal of Islamic Economics and Finance Margin Eco : Jurnal Ekonomi dan Perkembangan Bisnis Journal of Comprehensive Science JAPI: Jurnal Akses Pengabdian Indonesia Jurnal Pariwisata Tourista Jurnal Multidisiplin Indonesia Business Management Research Jurnal Pariwisata Tourista
Yosanda Zata Aman
Dosen Jurusan Manajemen, Fakultas Ekonomi Dan Bisnis, Universitas Merdeka, Malang, Jawa Timur 65146, Indonesia
Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Nursing Public Health Social Sciences Veterinary Other

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Peran Faktor Pribadi dalam Memediasi Perilaku Konsumen Terhadap Keputusan Pembelian Produk Miniso Yosanda Zata Aman; Aditya Budi Krisnanto; Nur Aida
Value : Jurnal Manajemen dan Akuntansi Vol. 21 No. 2 (2026): Mei - Agustus 2026
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32534/jv.v21i2.8496

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh faktor budaya, sosial, dan psikologis terhadap keputusan pembelian dengan faktor pribadi sebagai variabel mediasi pada konsumen Miniso di Kota Malang. Penelitian menggunakan pendekatan kuantitatif dengan desain deskriptif eksploratif terhadap 100 responden yang dipilih melalui teknik accidental sampling, serta dianalisis menggunakan Partial Least Squares–Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa faktor psikologis berpengaruh positif dan signifikan terhadap keputusan pembelian (β=0,525; p<0,001), diikuti faktor pribadi (β=0,358; p<0,001), sedangkan faktor budaya berpengaruh positif pada taraf 10% (β=0,104; p=0,099) dan faktor sosial tidak berpengaruh signifikan (β=-0,004; p=0,961). Nilai R² sebesar 0,766 menunjukkan bahwa model mampu menjelaskan 76,6% variasi keputusan pembelian. Faktor pribadi terbukti memediasi pengaruh budaya (β=0,098; p=0,004) dan psikologis (β=0,134; p=0,008), namun tidak memediasi pengaruh sosial (p=0,122). Temuan ini mengindikasikan bahwa keputusan pembelian konsumen lebih didorong oleh mekanisme internal seperti motivasi, persepsi, dan karakter pribadi dibandingkan tekanan sosial eksternal, sehingga strategi pemasaran perlu menekankan penguatan pengalaman emosional dan kesesuaian produk dengan gaya hidup konsumen.
A Comprehensive Synthesis of Technology Adoption Models in the Context of QRIS Digital Payment in Indonesia: A Systematic Review of UTAUT, TAM, and TRAM Diah Widiawati; Yosanda Zata Aman; Burhanuddin Jauhari
Business Management Research Vol. 5 No. 1 (2026): January 2026
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/bismar.v5i1.16586

Abstract

This Systematic Literature Review (SLR) provides a comprehensive synthesis of technology adoption models (TAM, UTAUT, TRAM) in the context of QRIS digital payment in Indonesia, aiming to resolve the theoretical fragmentation in existing literature. The study strictly adhered to the PRISMA protocol, examining Scopus-indexed articles from 2022 to 2025. The synthesis, predominantly based on quantitative studies utilizing PLS-SEM , reveals a strong convergence: Perceived Usefulness/Performance Expectancy and Trust consistently emerge as the most significant determinants of behavioral intention and actual QRIS adoption among both consumers and MSMEs. A critical divergence noted is the varying significance of Habit for sustained use and the pivotal role of contextual factors, such as Central Bank policies and the COVID-19 pandemic, which are often overlooked in traditional frameworks. Practically, the findings underscore the need for FinTech providers to prioritize investments in transparent security protocols and the clear communication of QRIS benefits. Future research is urged to employ longitudinal studies and cross-sectional comparisons between user segments to build a more integrated, parsimonious meta-model of digital payment acceptance.
Co-Authors Adi, Edo Prasetya Aditya Budi Krisnanto Agus Iswantoko Alamsyah, Dodik Andik Pratama Cahyaningrum, Widyastuti Cendana Wangi, Sekar Diah Widiawati Diah Widiawati Dwicahya Setia Putri Dyah Setyawati Igmas, I Kadek Putra Jauhari, Burhanuddin Lilik Kustiani Muhammad Mahesa Ramadhan Nur Aida Nurwijayanto, Putra Ramadhani Priskila, Hana Putra, Ayatullah Aditya RR. Ella Evrita Hestiandari Santi, Fitriana Setia Putri, Dwicahya Shallya Yudha Tama Soren, Wige Fransiskus Syahva Audia Zulfania Pratiwi Syarif Hidayatullah Widiawati, Diah Wige Fransiskus Soren Zakiyah, Wardatuz