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All Journal Asian Journal of Science, Technology, Engineering, and Art Mikailalsys Journal of Mathematics and Statistics
Budi, Ennesya Estya
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Arts Computer Science & IT Engineering Mathematics Mechanical Engineering Social Sciences

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Analysis of Consumer Behavior in Using E-Wallet with Structural Equation Model Method Yuniarti, Desi; Sari, Nariza Wanti Wulan; Mutmainnah, Dalfa Diandra; Palilu, Dryan Putra; Budi, Ennesya Estya; Hambali, Nidaa Rifdah Rahima
Asian Journal of Science, Technology, Engineering, and Art Vol 2 No 6 (2024): Asian Journal of Science, Technology, Engineering, and Art
Publisher : Darul Yasin Al Sys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/ajstea.v2i6.4207

Abstract

Current technological advances have changed people's needs for fast, practical, and secure payment systems. Indonesia has now entered the era of the digital economy, where economic activities increasingly rely on digital information and communication technology. In this digital economy, the use of electronic money is on the rise, and Indonesians are starting to adopt payment systems that utilize it. When choosing a digital service, individuals consider factors such as perceived benefits, ease of use, and trust. The purpose of this study is to analyze consumer behavior in using e-wallets through the Structural Equation Model method. This study uses sample data from 55 e-wallet users who are students at Mulawarman University. The results of the analysis show that perceived benefits have a significant influence on consumer behavior; however, ease of use and trust do not significantly affect consumer behavior.
Comparison of Value at Risk (VaR) in Risk Analysis: Historical, Variance Covariance and Monte Carlo Methods Fauziyah, Meirinda; Dani, Andrea Tri Rian; Koirudin, Hadi; Budi, Ennesya Estya; Avrilia, Khairunnisa; Watika, Noor Hikmah
Mikailalsys Journal of Mathematics and Statistics Vol 2 No 3 (2024): Mikailalsys Journal of Mathematics and Statistics
Publisher : Darul Yasin Al Sys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/mjms.v2i3.3778

Abstract

Value at Risk (VaR) is a method used to measure financial risk in a company. VaR calculations are often used to calculate the level of loss from shares in a company, such as bank shares. The aim of this research is to determine the level of losses in Bank Central Asia shares using the historical method, the Variance-covariance method, and the Monte Carlo method. the results showed that with an initial investment of $50 and using the Historical method at a significant level of 95%, the VaR value was obtained at $16.42 or IDR. 267.301 and at the 90% significant level, the VaR value was obtained at $12.41 or IDR. 202.022. Based on the Variance-covariance method with an initial investment of 50$ at the 95% significant level, the VaR value is obtained at $16.42 or IDR. 267,301 and at the 90% significant level, the VaR value is obtained at $12.79 or IDR. 208.208. Meanwhile, based on the Monte Carlo method with an initial investment of $50, at a significant level of 95%, the VaR value is obtained at $16.46 or IDR. 267,952 and at the 90% significance level, the VaR value is obtained at $12.84 or IDR. 209.022. Based on the three methods used, it was concluded that the Monte Carlo method gave greater results compared to the other two methods.
Co-Authors Avrilia, Khairunnisa Dani, Andrea Tri Rian Fauziyah, Meirinda Hambali, Nidaa Rifdah Rahima Koirudin, Hadi Mutmainnah, Dalfa Diandra Nariza Wanti Wulan Sari Palilu, Dryan Putra Watika, Noor Hikmah Yuniarti, Desi