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INDONESIA
JURNAL ECONOMIA
Published by Universitas Negeri Yogyakarta
ISSN : 18582648     EISSN : 24601152     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Economia (JECO) is published by Faculty of Economics, Yogyakarta State University. It publishes theoretical or research manuscripts related to 1. Economics 2. Accounting 3. Management 4. Business 5. Entrepreneurship, and 6. Finance
Arjuna Subject : -
Articles 293 Documents
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PENGARUH KEPEMIMPINAN TRANSFORMASIONAL DAN TRANSAKSIONAL PADA ORGANIZATIONAL CITIZENSHIP BEHAVIOR DENGAN KEPUASAN KERJA SEBAGAI PEMEDIASI Wahyu Rusdiyanto; Asri Laksmi Riani
Jurnal Economia Vol 11, No 2: October 2015
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (535.339 KB) | DOI: 10.21831/economia.v11i2.7950

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Abstrak: Pengaruh Kepemimpinan Transformasional dan Transaksional Terhadap Kepuasan Kerja dan Organizational Citizenship Behavior. Penelitian ini bertujuan untuk menganalisis pengaruh gaya kepemimpinan transformasional, gaya kepemimpinan transaksional, kepuasan kerja terhadap organizational citizenship behavior (OCB). Penelitian ini merupakan penelitian deskriptif kuantitatif dengan jumlah sampel 87 karyawan FIS dan FE UNY. Teknik pengumpulan data menggunakan kuesioner. Uji hipotesis menggunakan analisis regresi. Uji variabel mediasi menggunakan metode Baron and Kenny. Hasil penelitian menunjukkan bahwa kepemimpinan transformasional berpengaruh positif dan signifikan terhadap kepuasan kerja, kepemimpinan transaksional berpengaruh positif dan signifikan terhadap kepuasan kerja, kepuasan kerja berpengaruh positif dan signifikan terhadap OCB, dan kepuasan kerja berperan sebagai mediator pengaruh kepemimpinan transformasional dan kepemimpinan transaksional pada OCB karyawan.Kata kunci: Gaya kepemimpinan, Kepuasan Kerja, Organizational Citizenship BehaviorAbstract: The influence of Transformational and Transactional Leadership to Job Satisfaction and Organizational Citizenship Behavior. The purpose of the study was to analyze the influence and the relationship among transformational leadership style, transactional leadership style, and job satisfaction on organizational citizenship behavior (OCB) of Social Science Faculty and Economics Faculty Yogyakarta State University employees. This study was classified as descriptive qualitative research with a sample of 87 participants. The data were collected through the distribution of questionnaires. Hypothesis test was using the regression analysis with a significance level of 0.05. Variable meditation test was using the method of Baron and Kenny. The result showed that transformational leadership had a positive effect on the job satisfaction, transactional leadership had a positive effect on job satisfaction, job satisfaction has a positive effect on the OCB, and job satisfaction was a mediator to the effect to the transformational leadership and transactional leadership on the OCB employees.Keywords: Leadership style, job satisfaction, organizational citizenship behavior
The Impact of the Inauguration of 2nd Reshuffled Cabinet on LQ-45 Stock Prices Hatmanti, Aulia; Sudibyo, Bambang
Jurnal Economia Vol 13, No 1: April 2017
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (676.042 KB) | DOI: 10.21831/economia.v13i1.11797

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Abstract: The Impact of the Inauguration of 2nd Reshuffled Cabinet on LQ-45 Stock Prices. The purpose of this research is to observe the impact of the political event the inauguration of 2nd reshuffled cabinet-to LQ-45 group’s stock prices. This study used event study method to identify the market reaction that can be seen from the abnormal return on the stock prices. The abnormal return is calculated using mean-adjusted model. T-test indicates that there is a significant positive abnormal return on event day (t) and t+3. Besides, paired sample t-test was conducted to see the difference in the average abnormal return in 5 days before and five days after the events didn’t show any significant results. Based on these results, it can be concluded that the inauguration of 2nd reshuffled cabinet is good news for investors. Keywords: event study, abnormal return, LQ-45, political eventsAbstrak: Pengaruh Pelantikan Kabinet Kerja Hasil Reshuffle Jilid II terhadap Harga Saham LQ-45. Tujuan dari penelitian ini adalah untuk melihat pengaruh peristiwa politik-pelantikan Kabinet Kerja hasil reshuffle jilid II-terhadap harga saham yang terdaftar dalam kelompok saham LQ-45. Penelitian ini menggunakan metode studi peristiwa untuk melihat adanya reaksi pasar yang dapat dilihat dari adanya abnormal return pada saham. Abnormal return pada penelitian ini dihitung menggunakan mean-adjusted model. Berdasarkan hasil uji beda t-test satu sisi, terdapat abnormal return positif yang signifikan pada event day (t) dan t+3. Uji beda rata-rata menggunakan paired sample t-test yang dilakukan untuk melihat perbedaan rata-rata abnormal return pada 5 hari sebelum dan 5 hari sesudah peristiwa tidak menunjukkan adanya hasil yang signifikan. Berdasarkan hasil tersebut, dapat disimpulkan bahwa peristiwa politik berupa pelantikan Kabinet Kerja hasil reshuffle jilid II merupakan good news bagi investor. Kata kunci: studi peristiwa, abnormal return, LQ-45, peristiwa politik
KEBIJAKAN DALAM PENENTUAN DAN PENDANAAN MODAL KERJA PERUSAHAAN Miswanto Miswanto
Jurnal Economia Vol 8, No 2: October 2012
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1047.49 KB) | DOI: 10.21831/economia.v8i2.1227

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Abstract: Policy in Determining and Financing Company’s Working Capital. In funding working capital, a company can use hedging policy, conservative policy, and aggressive policy. In relation to long-term versus short-term financing, temporary versus permanent current assets, and the trade-off between risk and profitability, it can be concluded that when the temporary current assets are financed by short-term financing they have moderate risk and profitability, when the temporary current assets are financed by long-term financing they have low risk and profitability, when the permanent current assets are financed by short-term funding they have high risk and profitability, and when the permanent current assets are financed by long-term financing they have moderate risk-profitability. To measure the performance of the working capital management, the working capital position of the company needs to be analyzed. By using the data presented on the balance sheet and income statement, the company can carry out the analysis of working capital performance using financial ratio analysis on working capital, analysis of the funding sources and use of funding statement, and analysis of the company's cash flow statement. Keywords: liquidity, capital, financing, profitability, and risk  Abstrak: Kebijakan dalam Penentuan dan Pendanaan Modal Kerja Perusahaan. Dalam mendanai modal kerja, perusahaan dapat menggunakan kebijakan hedging, kebijakan konservatif, dan kebijakan agresif. Dalam hubungannya antara pendanaan jangka pendek versus jangka panjang, aktiva lancar temporer versus permanen, dan trade-off antara risiko dan profitabilitas diperoleh kesimpulan bahwa jika aktiva lancar temporer dibiayai dengan pendanaan jangka pendek memiliki risiko dan profitabilitas moderat, jika aktiva lancar temporer dibiayai dengan pendanaan jangka panjang memiliki risiko dan profitabilitas rendah, jika aktiva lancar permanen dibiayai dengan pendanaan jangka pendek memiliki risiko dan profitabilitas tinggi, dan jika aktiva lancar permanen dibiayai dengan pendanaan jangka panjang memiliki risiko dan profitabilitas moderat. Untuk mengukur kinerja manajemen modal kerja, posisi modal kerja perusahaan perlu dianalisis. Dengan menggunakan data yang tersaji pada neraca dan laporan laba rugi, perusahaan dapat melakukan analisis kinerja modal kerja dengan menggunakan analisis rasio keuangan pada modal kerja, analisis pada laporan sumber dan penggunaan dana, dan analisis pada laporan aliran kas perusahaan. Kata kunci: likuiditas, modal, pendanaan, profitabilitas, dan risiko
Fair Value Accounting and Earnings Management Using LLP and Realized Gains and Losses: Study in Banking Industry Listed on Indonesia Stock Exchange Ulfa, Ice Maria; Subroto, Bambang; Baridwan, Zaki
Jurnal Economia Vol 14, No 2: October 2018
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (984.432 KB) | DOI: 10.21831/economia.v14i2.19560

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Abstract: Fair Value Accounting and Earnings Management Using LLP and Realized Gains and Losses: Study in Banking Industry Listed on Indonesia Stock Exchange. This study examines whether earnings management can be limited by the implementation of fair value accounting in banking industry. The main contribution of this study is  providing provide empirical evidence about the impact of fair value accounting on earnings management in Indonesia. Earnings management is proxied by loan loss provision (LLP), the realized of gains and losses, and the trade-off between realized gains and losses and LLP following Bratten et al (2013). The study provides empirical evidence that earnings management is still performed by banks, by using LLP, realized gains and losses and also occurs trade-off between LLP and realized gains and losses as means to perform earnings management in accordance with the needs of management. If banks are exposed to fair value accounting, managers will have more flexibility in reporting banks’ financial performance to present a desired earning, by  providing them with additional earning managements tools. These findings can be informative for policymakers, banking practitioners, and academics.  Keywords: earnings management, fair value accounting, LLP, realized gains and losses, trade-off LLP and realized gains and losses.Abstrak: Akuntansi Nilai Wajar dan Manajemen Laba menggunakan CKPN dan Realized Gains and Losses: Studi pada Industri Perbankan yang terdaftar di Bursa Efek Indonesia. Studi ini bertujuan untuk meneliti apakah manajemen laba dapat dibatasi oleh penerapan akuntansi nilai wajar dalam industri perbankan. Kontribusi dari penelitian ini adalah untuk memberikan bukti empiris tentang dampak penerapan akuntansi nilai wajar pada manajemen laba di Indonesia. Manajemen laba diproksikan oleh cadangan kerugian penurunan nilai (CKPN), realized of gains and losses, dan trade-off antara realized of gains and losses dan CKPN mengikuti model penelitian Bratten et al (2013). Studi ini memberikan bukti empiris bahwa manajemen laba masih dilakukan oleh bank menggunakan CKPN, realized of gains and losses dan juga terjadi trade-off antara CKPN dan realized of gains and losses sebagai sarana manajemen laba sesuai dengan kebutuhan manajemen. Konsekuensi dari paparan bank terhadap akuntansi nilai wajar dapat meningkatkan fleksibilitas manajer dalam melaporkan penghasilan yang diinginkan dengan memberikan mereka alat manajemen laba. Temuan-temuan tersebut dapat bersifat informatif bagi pembuat kebijakan, anggota industri perbankan, dan akademisi. Kata kunci: manajemen laba, akuntansi nilai wajar, CKPN, realized gains and losses, trade-off CKPN dan realized gains and losses.
MONEY BELIEF PENENTU FINANCIAL BEHAVIOR Sina, Pete Garlans
Jurnal Economia Vol 9, No 1: April 2013
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (184.312 KB) | DOI: 10.21831/economia.v9i1.1379

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Abstrak: Money Belief Penentu Financial Behavior. Membentuk money belief yang bagus akan memudahkan saat mengelola perilaku keuangan dan apabila tidak maka akan berefek pada perilaku keuangan yang buruk. Setelah analis yang mendalam, diketahui bahwa money belief terbentuk dari pengalaman-pengalaman traumatik dan tekanan emosional. Oleh sebab itu, pada bagian akhir penelitian ini diberikan beberapa alternatif untuk memperbaiki money belief. Kata-kata kunci: keputusan keuangan, perilaku keuangan, money beliefs Abstract: Money Belief the Financial Behavior Determinant. Establishing good belief money will make financial behavior management easier, otherwise it will have an effect on the bad financial behavior. After depth analysis, it is known that money belief created from traumatic experiences and emotional distress. Therefore, at the end of this research are given several alternatives to improve the money belief. Key words: financial decision, financial behavior, money belief
Antecedents and Consequences of Brand Love with Moderated By Memories Rahmawati Azizah MT
Jurnal Economia Vol 15, No 1: April 2019
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (373.477 KB) | DOI: 10.21831/economia.v15i1.24068

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AbstractThis research aims to examine the effect of perceived brand quality and brand personality on brand fondness with memories as moderator. This study examines the effect of independent variables on dependent variable with memories as moderating variable. The subject in this research were students, civil servants, professionals (nuns, accountants), entrepreneurs, private employees whom are users of Asus brand laptop in Indonesia. The sample were chosen by using nonprobability sampling technique namely purposive sampling. The instrument of this study was online questionnaire and the gathered data is analyzed by using multiple regression analysis. The finding of this study explains that perceived brand quality and brand personality have a positive effect on brand fondness. Brand fondness has a positive effect on brand loyalty and active engagement. The finding on moderation variables explains that memories are not proven to moderate the effect between perceived brand quality and brand fondness, it means that the magnitude of memory as a moderating variable has nothing to do with the relationship between independent variables and dependent variable. In addition, the finding of variable memories proved to moderate the effect between brand personality and brand fondness, it means that it will strongly influence the relationship between brand personality and brand fondness when the variable memory is high, otherwise it will become weak when the variable memory is low. Keywords: Perceived brand quality, brand personality, brand love, brand loyalty, active engagement, memories.Anteseden dan Konsekuensi Kecintaan Merek dengan Dimoderasi oleh KenanganAbstrakPenelitian ini bertujuan untuk menguji pengaruh kualitas merek yang dipersepsikan dan kepribadian merek pada kecintaan merek dengan kenangan sebagai pemoderasi. Subjek dalam penelitian ini adalah mahasiswa, PNS, profesional (suster, akuntan), wiraswasta, karyawan swasta yang merupakan pengguna laptop merek Asus di Indoensia. Sampel yang dipilih menggunakan teknik nonprobability sampling dengan jenis purposive sampling. Instrumen penelitian ini adalah kuesioner yang dibuat secara online dan dianalisis dengan analisis regresi berganda. Penelitian ini menemukan bahwa kualitas merek yang dipersepsikan dan kepribadian merek memiliki pengaruh positif pada kecintaan merek. Kecintaan merek memiliki pengaruh positif pada loyalitas merek dan keterlibatan aktif. Temuan pada variabel moderasi, kenangan tidak terbukti memoderasi pengaruh antara kualitas merek yang dipersepsikan dan kecintaan merek, artinya bahwa tinggi atau rendahnya kenangan sebagai variabel moderasi tidak ada kaitannya pada hubungan antara variabel independen dan variabel dependen. Selain itu, temuan variabel kenangan terbukti memoderasi pengaruh antara kepribadian merek dan kecintaan merek, artinya bahwa akan menjadi kuat pengaruh kepribadian merek pada kecintaan merek ketika variabel kenangan tinggi, dan sebaliknya akan menjadi lemah ketika variabel kenangan rendah. Kata kunci: Kualitas merek yang dipersepsikan, kepribadian merek, kecintaan merek, loyalitas merek, keterlibatan aktif, kenangan positif.
ANALISIS PENGARUH KUALITAS FINANSIAL PERUSAHAAN, KUALITAS AUDITOR DAN KUALITAS PEREKONOMIAN TERHADAP OPINI AUDIT (GOING CONCERN) Baqarina Hadori; Bambang Sudibyo
Jurnal Economia Vol 10, No 1: April 2014
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (386.922 KB) | DOI: 10.21831/economia.v10i1.4094

Abstract

Abstrak: Analisis Pengaruh Kualitas Finansial Perusahaan, Kualitas Auditor, Dan Kualitas Perekonomian Terhadap Opini Audit (Going Concern). Penelitian ini bertujuan untuk menguji pengaruh faktor keuangan dan faktor non-keuangan terhadap pemberian opini audit going concern oleh auditor. Faktor keuangan yang diuji adalah profitabilitas, likuiditas, solvabilitas, pertumbuhan penjualan tahunan, dan pertumbuhan harga saham. Sedangkan faktor non-keuangan yang diuji adalah kualitas auditor dan kualitas perekonomian. Penelitian ini menggunakan 109 sampel laporan keuangan auditan perusahaan manufaktur yang terdaftar di Bursa Efek Indonesia pada tahun 2008-2012 yang dipilih secara acak. Analisis regresi logistik menunjukkan bahwa solvabilitas, pertumbuhan penjualan tahunan, dan pertumbuhan harga saham tahunan berpengaruh terhadap opini audit going concern. Sedangkan profitabilitas, likuiditas, kualitas auditor, dan kualitas perekonomian tidak berpengaruh terhadap opini audit going concern.   Kata kunci: kualitas finansial perusahaan; kualitas auditor, kualitas perekonomian, opini audit going concern.   Abstract: Effect of Corporate Financial Analysis Quality, Quality Auditor, and Quality Audit Opinion on Economy (Going Concern). The research described in this paper was designed to empirically examine the effects of financial quality of a company, auditor quality, and quality of the relevant economy on going concern audit opinion. Financial quality is measured by profitability, liquidity, solvability, annual sales growth, and growth in stock market price. Logistic regression was used to test the hypothesis with 109 sample of manufacturing companies listed on the Indonesia Stock Exchange in 2008-2012. The results indicated that solvability, annual sales growth, and growth in stock market price do significantly affect going concern audit opinion. On the other hand, profitability, liquidity, auditor quality, and quality of the economy do not significantly affect going concern audit opinion.   Keywords: financial quality of a company; auditor quality; quality of the economy; going concern audit opinion
Self-Efficacy and Intensity of the Use of Social Media on Consumption Behavior: Case Study in the Economics Faculty of Yogyakarta State University Nyimas Yuhanis Sartika; Sugiharsono Sugiharsono
Jurnal Economia Vol 16, No 1: April 2020
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (436.609 KB) | DOI: 10.21831/economia.v16i1.27067

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Abstract: This study aims to examine the effect of self-efficacy and the intensity of social media use on student consumption behaviour, both partially and simultaneously. It belongs to causal associative research with a quantitative approach. The population of this study was 476 undergraduate students batch of 2016 in the Faculty of Economics, Yogyakarta State University (YSU). A sample of 217 students was selected through a proportional cluster random sampling technique. Data were collected using questionnaires that were previously tested for validity and reliability. The data analysis technique used a multiple regression.  Keywords: consumption behavior, self-efficay, intensity of the use of social media  Efikasi Diri dan Intensitas Penggunaan Media Sosial Terhadap Perilaku Konsumsi: Stadi Kasus di Fakultas Ekonomi Universitas Negeri Yogyakarta Abstrak: Penelitian ini bertujuan untuk mengetahui pengaruh efikasi diri dan intensitas penggunaan media sosial terhadap perilaku konsumsi mahasiswa, baik secara parsial maupun simultan. Penelitian ini termasuk penelitian asosiatif kausal dengan pendekatan kuantitatif. Populasi penelitian ini adalah 476 mahasiswa Strata-1 Fakultas Ekonomi Universitas Negeri Yogyakarta angkatan 2016. Adapun jumlah sampel 217 mahasiswa yang diambil dengan teknik proportional cluster random sampling. Data dikumpulkan dengan kuisioner yang telah diuji validitas dan reliabilitasnya. Teknik analisis data yang digunakan adalah regresi berganda.  Kata kunci: perilaku konsumsi, efikasi diri, intensitas penggunaan media sosial
PENGEMBANGAN KAWASAN TERPADU MANDIRI DENGAN PENDEKATAN MODEL ONE VILLAGE ONE PRODUCT (OVOP) DAERAH TRANSMIGRASI RASAU JAYA Nuraini Asriati
Jurnal Economia Vol 11, No 1: April 2015
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (810.094 KB) | DOI: 10.21831/economia.v11i1.7757

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Abstrak: Pengembangan Kawasan Terpadu Mandiri dengan Pendekatan Model One Village One Product (OVOP) Daerah Transmigrasi Rasau Jaya. Penelitian ini bertujuan untuk mengembangkan model Kawasan Terpadu Mandiri dengan pendekatan OVOP. Penelitian ini menggunakan pendekatan kualitatif yang bersifat eksploratif dan evaluatif. Penelitian dilakukan melalui tahap pengembangan dan perancangan, tahap uji coba dalam lingkup terbatas dan tahap validasi berupa eksperimental yang lebih luas. Hasil penelitian menunjukkan bahwa penerapan model OVOP dengan QFD belum seratus persen berhasil karena belum banyak memiliki jaringan nasional maupun Internasional; upaya pengembangan sentra produk OVOP dilakukan berupa: pelatihan, pendampingan tenaga ahli, bantuan sarana usaha, promosi, pameran, pemasaran, fasilitasi permodalan, dan pemberian penghargaan OVOP; pengembangan sentra produk OVOP di Rasau Jaya merupakan kegiatan  ekonomi  yang  sangat  mendukung terwujudnya KTM; dan terbentuknya KTM menumbuhkan perilaku pengusaha transmigrasi yang selalu  mengembangkan  OVOP.  Kata Kunci: One Village One Product (OVOP), Kawasan terpadu mandiri (KTM), Daerah Transmigrasi.  Abstract: Independent Integrated Area Development Using One Village One Product (OVOP) Model in Transmigration Area Rasau Jaya. This research aims to develop a model of independent integrated area with OVOP approach. This study used a qualitative approach that is both exploratory and evaluative. The study was conducted through these three following steps: (1) development and design, (2) limited pilot trial, and (3) experimental validation to broader area. The results showed that the application of OVOP models with QFD was not fully successful. This unsuccessful story was contributed by lacking of a national and international network. A number of efforts was conducted to develop OVOP product, such as: training, expert assistance, assistance for running business, promotion, exhibition, marketing, capital facilitation and OVOP rewards. OVOP product centers development in Rasau Jaya is an economic activity that supports the formation of Integrated Area Independent. Keywords: One Village One Product (OVOP), Integrated Area Independent, Transmigration Area.
Application of Technology Acceptance Model (TAM) on Computerized Land Activities Wahyu Prabawati Putri Handayani; Mugi Harsono
Jurnal Economia Vol 12, No 1: April 2016
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (632.755 KB) | DOI: 10.21831/economia.v12i1.8415

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Abstract: Application of Technology Acceptance Model (TAM) on Computerized Land Activities. The purpose of this study was to examine and analyze the effect of the Technology Acceptance Model (TAM) on computerized land activities. A survey methodology used to collect data of 100 employees. The results indicated that (1) Computer self-efficacy affected the perceived ease of use and usefulness of the technology, (2) the perceived ease of use technology affected of perceived usefulness and attitude towards using technology, (3) the perceived usefulness affected attitude towards using technology, and (4) the attitude to use technology affected intention to use technology.Keywords: Technology Acceptance Model (TAM), computer self-efficacy, perceived usefulness, attitude to use technology, intention to use technologyAbstrak: Aplikasi Technology Acceptance Model (TAM) Pada Komputerisasi Kegiatan Pertanahan. Tujuan penelitian ini adalah untuk menguji dan menganalisis pengaruh Technology Acceptance Model (TAM) Pada Komputerisasi Kegiatan Pertanahan. Sebuah metodologi survey digunakan untuk mengumpulkan data 100 karyawan. Path analysis menunjukkan bahwa (1) Computer self-efficacy berpengaruh pada persepsi kemudahan penggunaan dan persepsi manfaat teknologi, (2) Persepsi kemudahan penggunaan teknologi berpengaruh pada persepsi manfaat dan sikap untuk menggunakan teknologi, (3) Persepsi manfaat teknologi berpengaruh pada sikap dalam menggunakan teknologi, dan (4) Sikap untuk menggunakan teknologi berpengaruh pada niat untuk menggunakan teknologi.Kata kunci: Technology Acceptance Model (TAM), computer self-efficacy, persepsi manfaat teknologi, sikap menggunakan teknologi, niat menggunakan teknologi

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