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All Journal Journal of Economic, Bussines and Accounting (COSTING) JEM : Jurnal Equilibrium Manajemen
Nur Hidayat
Universitas Panca Bhakti
Economics, Econometrics & Finance Social Sciences Other

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Pengaruh Online Consumer Review dan Product Knowledge Terhadap Keputusan Pembelian Laptop Second di Bukalapak Febrianawati; Nur Hidayat
Jurnal Equilibrium Manajemen Fakultas Ekonomi Universitas Panca Bhakti Vol 9 No 2 (2023): Vol 9 No 2 (2023): Jurnal Equilibrium Manajemen (JEM)
Publisher : Prodi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Panca Bhakti

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Abstract

The aim of this study is to analyze the influence of online consumer reviews and product knowledge on the decision to buy a second laptop in Bukalapak. The object of the research used is a consumer who has purchased a second laptop in Bukalapak. The independent variables in this study are Online Consumer Review and Product Knowledge while the dependent variable is Purchase Decision. The data analysis used is simple regression analysis. The results of this study showed that the Online Cunsomer Review (X1) coefficient value against Purchase Decision (Y1) of 0.531, which means that the better Online Cansomer Review read or obtained by the consumer will drive improved purchase decision of second laptop in Bukalapak.
BREAKING DIGITAL BARRIERS: THE ROLE OF FINANCIAL LITERACY IN ACCELERATING INCLUSIVE FINANCING FOR SMEs Nindy Puspitasari; Nurul Septya Magisa; Nur Hidayat
Journal of Economic, Bussines and Accounting (COSTING) Vol. 9 No. 3 (2026): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/vk55qd41

Abstract

This study aims to analyze the influence of financial literacy on digital adoption by examining the mediating roles of perceived digital barriers and business characteristics in Small and Medium Enterprises (SMEs). Data were collected through a survey using structured questionnaires and analyzed using Structural Equation Modeling (SEM) with WarpPLS 8.0. The findings reveal that financial literacy has a positive and significant effect on perceived digital barriers, business characteristics, and digital adoption. Furthermore, perceived digital barriers and business characteristics significantly influence digital adoption. The R-square value of 0.672 indicates that financial literacy, perceived digital barriers, and business characteristics collectively explain 67.2% of the variance in digital adoption. These results highlight that financial literacy not only strengthens business management practices but also fosters critical awareness of technological barriers, thereby enabling SMEs to be better prepared to embrace digital adoption and access inclusive financial services.
Co-Authors Febrianawati Nindy Puspitasari Nurul Septya Magisa