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All Journal Al-Kharaj: Journal of Islamic Economic and Business Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Jurnal Riset Manajemen dan Ekonomi Jurnal Bisnis, Manajemen, dan Keuangan Pusat Publikasi Ilmu Manajemen PENG: Jurnal Ekonomi dan Manajemen Escalate : Economics and Business Journal Jurnal Ilmiah Manajemen Dan Kewirausahaan
Meta Bara Berutu
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Determinant Intention to Adopt AI-Powered Robo Advisors Zidane Ramadhan; Umi Widyastuti; Meta Bara Berutu
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Januari: Inprogress
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/vwdp4002

Abstract

Fintech in Indonesia are increasingly becoming popular, but penetration in the society is still minimal especially in investment context. This paper examines the possible drivers toward intention to adopt of AI-powered robo advisor through a modified VAM model with attitude toward using and age as moderating factors. Survey data were collected from Generation Z and millennial investors and analyzed using SEM-PLS. Our analysis shows that potential financial benefits gained from AI-powered robo advisors drives positive attitude and intention to adopt, while risk associated with AI-powered robo advisor demotivate users to adopt it. External social influences also positively impact the adoption process, demonstrating the importance of social validation in Indonesia's communal culture. Attitude toward using shows a significant performance in explaining intention to adopt AI-powered robo advisor. Moderation analysis shows that age strengthens the influence of perceived financial benefits on intention to adopt (stronger in millennials),and weakens the influence of social influence (stronger in Gen Z). These results provide theoretical and practical contributions in designing age-based marketing strategies and improving financial literacy. Future research is recommended to reach a wider demographic and conduct longitudinal studies as this technology develops
Analisis Perceived Ease of Use, Perceived Security, Perceived Risk pada Pengguna Potensial Paylater di Kalangan Gen Z Gita Safitri; Usep Suhud; Meta Bara Berutu
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Januari: Inprogress
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/vnmtbk02

Abstract

This study aims to analyse the influence of perceived ease of use, perceived security, and perceived risk on user trust and intention to use a paylater service among Generation Z in Jakarta. A quantitative approach was employed using purposive sampling, and the data were analysed through Structural Equation Modelling (SEM) with the AMOS software. Primary data were collected through an online Likert-scale questionnaire with a sample of 250 respondents. The research results show that perceived ease of use has a significant positive effect on both user trust and intention to use. Furthermore, perceived security has a significant positive effect on user trust. On the other hand, perceived security has a significant effect but with a negative direction, which is inconsistent with the initial hypothesis regarding intention to use. Meanwhile, perceived risk also proves to have a significant effect but with a positive direction, contrary to the initial hypothesis regarding user trust. However, perceived risk does not show a significant effect on intention to use. Additionally, user trust also demonstrates a significant positive effect on intention to use.
Efektivitas Perceived Ease of Use, Perceived Value, dan Brand Credibility dalam Menciptakan User Experience dan Purchase Intention di Aplikasi Investasi Bryant Hans Channing Panjaitan; Usep Suhud; Meta Bara Berutu
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Januari: Inprogress
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/16s38v11

Abstract

The primary objective of this study is to analyze the effectiveness of perceived ease of use, perceived value, and brand credibility in creating user experience and purchase intention in investment applications. Data collection was conducted through questionnaires distributed online via social media platforms such as WhatsApp and Instagram. The research subjects consist of respondents who are users or potential users of the Bibit investment application, domiciled in DKI Jakarta, and aged between 18–35 years. The sample size used was 290 respondents. For the analysis process, this study utilized SPSS version 26 and Structural Equation Modeling (SEM) using AMOS version 29 for validation and data processing. Validity and reliability tests were conducted using Exploratory Factor Analysis (EFA) and Confirmatory Factor Analysis (CFA). Subsequently, hypothesis testing was carried out on the verified variables to identify relationships between them. The findings from the analysis indicate that perceived ease of use has a significant influence on perceived value, user experience, and purchase intention. Furthermore, brand credibility was found to have a direct influence on perceived value but no direct influence on purchase intention. Meanwhile, perceived value influences user experience but does not have a direct effect on purchase intention. These findings make an important contribution to the development of academic studies related to user behavior toward digital investment applications and offer practical recommendations for system developers to enhance the overall quality of user experience in digital investment applications.
Analisis Faktor-Faktor yang Memengaruhi Brand trust dan Purchase Intention: (Studi pada Konsumen Tumbler Premium di Wilayah DKI Jakarta) Fathin Aliaa Hamdi; Usep Suhud; Meta Bara Berutu
Jurnal Ilmiah Manajemen dan Kewirausahaan Vol. 4 No. 2 (2025): Jurnal Ilmiah Manajemen dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimak.v4i2.4611

Abstract

The purpose of this study is to find out the relationship between e-WOM to purchase intention, e-WOM to brand trust, brand image to purchase intention, brand image to brand trust, social media marketing to purchase intention, social media marketing to brand trust, and brand trust to purchase intention. This study used a purposive sampling technique to gather 240 samples from Corkcicle users in DKI Jakarta who were between the ages of 20 and 50. The results of this study indicate that six hypotheses are accepted, namely e-WOM has a positive and significant effect on brand trust, e-WOM has a positive and significant effect on brand trust, brand image has a positive and significant effect on purchase intention, brand image has a positive and significant effect on brand trust, social media marketing has a positive and significant effect on purchase intention, and brand trust has a positive and significant effect on purchase intention. However, one hypothesis is rejected, social media marketing is proven to have a negative and insignificant effect on brand trust.
Improving User Engagement of the Livin Mandiri Application: An Analysis of the Role of Gamification and User Experience with User Satisfaction as a Mediator Maulana Rifky Yudhira; Umi Widyastuti; Meta Bara Berutu
Escalate : Economics and Business Journal Vol. 2 No. 03: Creative Resilience and Market Innovation: Strategies for Sustainable Business Growth
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/escalate.v2i03.343

Abstract

The rapid advancement of digital banking services has led financial institutions to strengthen user interaction through user experience and gamification strategies. This study aims to analyze the effect of user experience and gamification on user engagement in the Livin by Mandiri application, with user satisfaction as a mediating variable. This quantitative study used primary data collected through online questionnaires distributed to 234 users in the Jakarta area. Data were analyzed using the Partial Least Squares-Structural Equation Modeling (PLS-SEM) method with SmartPLS 4 software. The results show that both user experience and gamification significantly influence user satisfaction, while user satisfaction positively affects user engagement. However, user experience and gamification do not directly influence engagement. The study concludes that user satisfaction serves as a crucial mediating factor linking system design and motivational features to sustainable engagement in digital banking services.
The Influence of Health Consciousness, Social Media Marketing, and Electronic Word-of-Mouth (eWOM) on Purchase Intention through Attitude towards Stevia Natural Sweetener Products Erika Shofia Faradysa; Andrian Haro; Meta Bara Berutu
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.9267

Abstract

The increasing prevalence of metabolic diseases and the imbalance between sugar production and consumption in Indonesia have intensified interest in alternative sweeteners such as Stevia. This study aims to examine the effects of health consciousness, social media marketing, and electronic word-of-mouth (eWOM) on consumers’ purchase intention toward Stevia products, with attitude serving as a mediating variable. A quantitative survey was conducted among 250 urban consumers in Jakarta who were familiar with Stevia and actively used social media. Data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0. The results indicate that health consciousness, social media marketing, and eWOM significantly influence consumer attitudes and purchase intention, both directly and indirectly. Attitude emerges as the strongest predictor of purchase intention and acts as a significant partial mediator in all examined relationships. The model demonstrates moderate explanatory and predictive power, confirming its robustness. These findings support the Theory of Planned Behavior within the functional food context and highlight that consumer purchase intention toward Stevia is primarily shaped through positive attitudinal formation rather than direct promotional exposure alone. The study implies that effective marketing strategies for alternative sweeteners should prioritize health-oriented education, credible social media engagement, and authentic peer communication to strengthen consumer attitudes, thereby supporting public health objectives and national food security.  
Co-Authors Agung Kresnamurti Rivai P Ahmad Jidan Abrar Alda Aurelia Artagita Andrian Haro Arini Tazkia Putri Indana Bryant Hans Channing Panjaitan Chikita Putri Prameswari Erika Shofia Faradysa Fathin Aliaa Hamdi Gita Safitri Hanifah Ananda Putri Malya Nadhira Azra Maulana Rifky Yudhira Maulidyah Ahza Ni Ketut Kahar Tunjung Santi Dewi Syam, Adinda Ravianty Umi Widyastuti Usep Suhud Widya Safeeya Ningrum Zidane Ramadhan