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Aurora Diaz Prameswari
"Dengan perdagangan daring di Indonesia yang mengalami puncak pertumbuhan yang sangat tinggi, Indonesia telah menjadi salah satu negara di Asia Tenggara dengan pasar besar di sektor perekonomian baru-baru ini. Hasil dari perkembangan inipun membawa peluang maupun tantangan baru bagi manajemen logistik e-commerce, terutama dengan sektor logistik yang telah menjadi tulang punggung aktivitas e-commerce. Kualitas layanan telah menjadi tema prioritas dalam penelitian pemasaran dan logistik, sejalan dengan kepentingan dalam kualitas, manajemen kualitas, dan kepuasan di perusahaan. Penelitian ini bertujuan untuk melihat penerapan manajemen kualitas pada layanan logistik (kualitas informasi, kualitas pemesanan, kualitas pengiriman, harga pengiriman, dan pelayanan pelanggan) dalam belanja daring di Indonesia untuk membangun hubungan jangka panjang dengan pelanggan lewat variabel repurchase intention dan loyalty dengan mediasi customer satisfaction, dimana penelitian difokuskan pada industri online fashion yang sedang meningkat secara global dan berkontribusi secara signifikan pada ekonomi kreatif nasional. Survei terhadap 202 responden dilakukan dan diuji dengan metode Partial Least Squares - Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa kualitas pemesanan, kualitas pengiriman, harga pengiriman, dan pelayanan pelanggan berpengaruh terhadap customer satisfaction kecuali pada hubungan dari kualitas informasi. Kemudian customer satisfaction juga memiliki hubungan yang signifikan dengan repurchase intention dan loyalty.

With e-commerce experiencing a very high growth peak in Indonesia, Indonesia has become one of the countries in Southeast Asia with a large market in the recent economic sector. The results of this development also bring new opportunities and challenges for e-commerce logistics management, especially with the logistics sector that has become the backbone of ecommerce activities. Service quality has become a priority theme in marketing and logistics research, in line with interests in quality, quality management, and satisfaction in companies. This study aims to examine the application of quality management in logistics services (information quality, order quality, delivery quality, shipping prices, and customer service) in online shopping in Indonesia to build long-term relationships with customers through repurchase intention and loyalty variables with customer satisfaction mediation, where research is focused on the online fashion industry which is now rising globally and contributes significantly to the national creative economy. A survey of 202 respondents was conducted and tested using the Partial Least Squares - Structural Equation Modeling (PLS-SEM) method. The results showed that the quality of orders, quality of delivery, price of delivery, and customer service affect customer satisfaction except for the relationship of information quality. Then customer satisfaction also has a significant relationship with repurchase intention and loyalty."
Depok: Fakultas Ekonomi dan Bisnis Universitas Indonesia , 2021
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UI - Skripsi Membership  Universitas Indonesia Library
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Siti Fatimah
"Penelitian ini menganalisa keberadaan House Of Korea yang menjadi jembatan dalam menyebarkan produk budaya pop Korea. Penyebaran budaya pop menjadi sarana untuk melanggengkan kapitalisme dan ideologi Korea. Menggunakan teori imperialisme struktural untuk menganalisis House Of Korea yang menjalankan peran sebagai jembatan yang menjalin kerjasama antara elite negara maju (Korea) dan negara berkembang (Indonesia). Menggunakan kajian politik ekonomi komunikasi untuk mengetahui terjadinya proses spasialisasi dalam distribusi produk budaya Korea ke Indonesia. Hasil penelitian ini membuktikan pemilik House Of Korea menjalankan peran penting dalam terjadinya keseluruhan struktur imperialisme.

This study analyzes the existence of House Of Korea as a bridge to spread the Korean pop culture products. Korean wave becomes a tool to perpetuate the capitalism and ideology of Korea. Using structural imperialistic theory to analyze House Of Korea‟s role as a bridge which runs the established cooperation between elite of the developed countries (Korea) and developing countries (Indonesia). Using political economy communication aims to know the process of spacialization in distribution cultural products of Korea to Indonesia. The results of this study prove the owner of House of Korea an important role in the whole structure of imperialism."
Depok: Fakultas Ilmu Sosial dan Ilmu Politik Universitas Indonesia, 2012
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UI - Skripsi Open  Universitas Indonesia Library
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Ringgi Cahyo Dwiputra
"Ulasan daring sebagai salah satu bentuk electronic word-of-mouth (EWOM) telah terbukti memotivasi konsumen untuk berbelanja melalui online marketplace di Indonesia. Namun, kebebasan konsumen dalam memberikan ulasan mengakibatkan terjadinya inkonsistensi kualitas informasi yang berpengaruh terhadap kepercayaan dan keputusan pembelian konsumen. Selain itu, masih banyak online marketplace yang belum menyediakan fitur untuk menyaring informasi yang relevan, terbaru, akurat, atau lengkap pada ulasan. Penelitian ini bertujuan untuk menganalisis bagaimana pengaruh dimensi kualitas informasi dari EWOM terhadap keputusan pembelian produk di online marketplace. Penelitian ini menggunakan pendekatan kuantitatif dengan melakukan survei terhadap 1.266 masyarakat Indonesia pengguna online marketplace yang pernah berbelanja dan membaca ulasan dalam kurun waktu tiga bulan terakhir. Data diolah dengan metode covariance-based structural equation modeling menggunakan AMOS 24. Hasil penelitian menunjukkan bahwa keempat dimensi kualitas informasi EWOM, yaitu relevance, timeliness, accuracy, dan comprehensiveness memengaruhi information quality secara signifikan. Selain itu, information quality memengaruhi social psychological distance dan trust secara signifikan. Lalu, social psychological distance memengaruhi trust secara signifikan dan memediasi hubungan antara information quality dengan trust. Selanjutnya, trust memengaruhi purchase intention secara signifikan. Terakhir, purchase intention memengaruhi purchase decision secara signifikan. Hasil penelitian ini dapat memberikan wawasan untuk membantu penyedia layanan online marketplace dalam mengembangkan fitur ulasan yang lebih baik.

Online review as a form of electronic word-of-mouth (EWOM) has been proven to motivate consumers to shop through online marketplaces in Indonesia. However, the freedom of consumers to provide reviews results in information quality inconsistency that affects consumer trust and purchasing decisions. In addition, some online marketplaces have not yet provided a feature to filter relevant, latest, accurate, or complete information in the review. This study aims to analyze the influence of the information quality dimensions of EWOM on consumer behavior in purchasing products in the online marketplace. This study uses quantitative approach by surveying 1,266 online marketplace users in Indonesia who have purchased products and read the reviews in the last three months. The data were processed in AMOS 24 by using the covariance-based structural equation modeling method. The results shows that the four dimensions of EWOM information quality, namely relevance, timeliness, accuracy, and comprehensiveness significantly influence information quality. After that, information quality significantly influences social psychological distance and trust. Then, social psychological distance significantly influences trust and mediates the relationship between information quality and trust. Furthermore, trust significantly influences purchase intention. Finally, purchase intention significantly influences purchase decision. The results of this study can provide insight to assist online marketplace service providers in developing better online review features."
Depok: Fakultas Ilmu Komputer Universitas Indonesia, 2021
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UI - Skripsi Membership  Universitas Indonesia Library
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Rendra
"Tujuan utama dari penelitian ini adalah untuk meneliti perbedaan perceived risk antara online shoppers dan non-online shoppers pada jual beli online. Non online shoppers adalah responden yang belum memiliki pengalaman sama sekali dalam berbelanja online. Sedangkan online shoppers adalah responden yang sudah memiliki pengalaman dalam berbelanja secara online.Dalam penelitian ini penulis mengkhususkan objek penelitiannya yaitu jual beli melalui media internet dalam bentuk forum jual beli. Dimensi-dimensi perceived risk yang digunakan dalam penelitian ini adalah financial risk, psychological, time risk, privacy risk, fraud risk, product risk, information risk, dan delivery risk. Dari hasil penelitian ini, diketahui bahwa terdapat perbedaan perceived risk antara online shoppers (pada forum jual beli kaskus.us) dan nononline shoppers pada jual beli online di internet. Responden non-online shoppers mempunyai nilai rata-rata perceived risk yang lebih tinggi dari online shoppers yang artinya responden non-online shoppers merasakan risiko lebih tinggi daripada responden online shoppers.

The main purpose of this study was to examine the perceived risks diferent between online shoppers and non-online shoppers at e-commerce. Non-online shoppers is respondent's cattegory who had no experience at all in online shopping. While online shoppers is the respondents who already had experience in in online shopping. This study specialize the form of buy and sell forum as research object. In this study also elaborated the dimentions of perceived risk in online shopping at pervious research. Those the dimensions of perceived risk used in this study is financial risk, psychological, time risk, privacy risk, fraud rsik, product risk, information risk, and delivery risk. The results of this study, it is known that there are differences between online shopper's perceived risk (in the buy and sell forum kaskus.us) and non-online shopper's perceived risk in online shopping. As expected, non-online shoppers viewed online shopping riskier than did online shoppers."
Depok: Fakultas Ilmu Administrasi Universitas Indonesia, 2011
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UI - Skripsi Open  Universitas Indonesia Library
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Nathanael Surya Prawiro
"Tesis ini meganalisa faktor-faktor yang dihipotesiskan dapat mempengaruhi niat konsumen untuk membeli secara online. Ada lima variabel yang dihipotesiskan mempengaruhi niat untuk membeli secara online langsung yaitu Attitude, Product Knowledge, Online Information Search, Perceived Risk, and Trust. Model penelitian ini diambil dari berbagai peneliti seperti jurnal dan juga studi orang.
Menggunakan beberapa jurnal seperti, 'Online Purchase Determianants: Is Their Efect Moderated By Direct Experience?' by Broekhuizen and Huizingh 2009; 'The impact of online store environment cues on purchase intention: Trust and perceived risk as a mediator' by Chang and Chen, 2008; ?A Research Modeling to Understand Online Shopping Intention. Australian Journal of Basic & Applied Sciences? by Delafrooz, Paim, Khatibi, 2011; 'Consumer Behavior Research of Factors Influencing Online Purchase Intention' a thesis by Febriyanti, Institut Teknolgi Bandung, 2011.
Ada 13 hipotesis yang disimpulkan dari model yang dibangun. Berdasarkan 341 responden konsumer online di wilayah JABODETABEK yang mengetahui secara khusus tentang Bukalapak.com, ditemukan bahwa dari 5 variabel yang dihipotesiskan mempengaruhi niat beli online secara langsung, ditemukan bahwa sebenarnya dalam kenyataan hanya 2 variabel yang secara signifikan mempengaruhi niat untuk membeli secara online. Kedua variabel itu adalah Online Information Search dan Percieved Risk.

This thesis anlayzes the factors that are hypothesised to affect a consumer's intention to purchase online. There are five variables which are hypothesised to affect intention to purchase online directly which are Attitude, Product Knowledge, Online Information Search, Perceived Risk, and Trust. The model of this research is taken from various researchers such as journals and also past studies of people.
The journals used in some consists of 'Online Purchase Determianants: Is Their Efect Moderated By Direct Experience?' by Broekhuizen and Huizingh 2009; 'The impact of online store environment cues on purchase intention: Trust and perceived risk as a mediator' by Chang and Chen, 2008; 'A Research Modeling to Understand Online Shopping Intention. Australian Journal of Basic & Applied Sciences' by Delafrooz, Paim, Khatibi, 2011; 'Consumer Behavior Research of Factors Influencing Online Purchase Intention' a thesis by Febriyanti, Institut Teknolgi Bandung, 2011.
There are 13 hypotheses concluded from the model constructed. Based on 341 respondents in the JABODETABEK area who are online shoppers and know specifically about Bukalapak.com, it was found that from the 5 variable that are hypothesised to affect online purchase intention directly, it was found that there were actually in reality only 2 variables that significantly affects intention to purchase online. These two variables are online information search and perceived risk.
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Jakarta: Fakultas Ekonomi dan Bisnis Universitas Indonesia, 2014
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UI - Tesis Membership  Universitas Indonesia Library
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Alfi Rizka Thoriq
"Pandemi COVID-19 telah mempengaruhi hidup seluruh orang di dunia secara signifikan dan telah menciptakan kebiasaan yang belum pernah terjadi sebelumnya yaitu banyak orang berdiam diri di rumah sehingga toko daring menjadi salah satu pilihan tempat untuk berbelanja. Sebelum adanya pandemi COVID-19, konsumen melakukan kegiatan belanja dengan 2 metode yaitu belanja konvensional (perjalanan ke toko) dan metode belanja daring dimana perjalanan belanja konsumen ke toko digantikan dengan perjalanan kurir pengiriman barang ke rumah konsumen. Perubahan ini mempengaruhi sektor transportasi sehingga diperlukan penelitian tentang perubahan pola perjalanan belanja konsumen akibat COVID-19. Penelitian ini bertujuan untuk menganalisis perubahan pola perjalanan belanja konsumen akibat pandemi COVID-19 yaitu pada kemunculan pandemi COVID-19, potensi berakhirnya COVID-19, dan potensi efek dari intervensi COVID-19 (sebelum, selama dan setelah COVID-19 berakhir) dengan cara mengumpulkan data dari 294 konsumen yang berdomisili di Jabodetabek melalui kuesioner dilanjutkan dengan melakukan analisis uji kesamaan pada ketiga rentang waktu tersebut untuk 2 komoditas belanja yaitu grocery dan fashion. Hasil dari penelitian menunjukkan pandemi COVID-19 memberikan dampak pada perubahan pola perjalanan belanja konsumen pada tiap aspek yakni frekuensi perjalanan belanja konvensional, moda perjalanan, jenis perjalanan dan frekuensi belanja daring konsumen namun dengan perbedaan signifikansi untuk tiap kelompok karakteristik konsumen yakni jumlah penghasilan per bulan, tingkat pendidikan terakhir, jenis kelamin, dan usia konsumen. Untuk mengantisipasi perubahan pola perjalanan belanja konsumen pasca pandemi COVID-19, otoritas transportasi kota sebaiknya menyesuaikan perencanaan transportasi kota dalam pemodelannya agar lebih akurat terutama pada perencanaan yang terkait dengan kendaraan last-mile delivery dan logistik kota. Agar penelitian terkait perubahan pola perjalanan belanja konsumen akibat pandemi COVID-19 lebih valid, sebaiknya dilakukan pengumpulan data pada saat pandemi COVID-19 benar-benar telah hilang.

The COVID-19 pandemic has significantly affected the lives of all people in the world and has created an unprecedented habit of many people staying at home so that online stores are becoming one of the places of choice for shopping. Before the COVID-19 pandemic, consumers carried out shopping activities with 2 methods, conventional shopping (trips to stores) and online shopping methods where the consumer's shopping trip to the store was replaced by a courier trip to deliver goods to the consumer's home. This change affects the transportation sector so research is needed on changes in consumer’s shopping trip patterns due to COVID-19. This study aims to analyze changes in consumer’s shopping trip patterns due to the COVID-19 pandemic, as the time when the emergence of the COVID-19 pandemic, the potential end of COVID-19, and the potential effects of COVID-19 interventions (before, during, and after COVID-19 ends) by collecting data from 294 consumers who live in Jabodetabek through questionnaires followed by an analysis of the similarity test on the three timescales for 2 shopping commodities, which are grocery and fashion. The results of the study show that the COVID-19 pandemic has had an impact on changes in consumer shopping trip patterns in each aspect, those are the frequency of conventional shopping trips, modes of trip, types of trip, and the frequency of consumer online shopping, but with significance differences for each group of consumer characteristics, those are the amount of income per month, last education level, gender, and age of consumers. To anticipate changes in consumer’s shopping trip patterns after the COVID-19 pandemic, city transportation authorities should adjust urban transportation planning in its modeling to be more accurate, especially in planning related to last-mile delivery vehicles and city logistics. In order for research related to changes in consumer’s shopping trip patterns due to the COVID-19 pandemic to be more valid, it is better to collect data when the COVID-19 pandemic has completely disappeared."
Depok: Fakultas Teknik Universitas Indonesia, 2021
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UI - Skripsi Membership  Universitas Indonesia Library
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Rasya Hanindya
"Salah satu strategi pemasaran yang paling sukses di era digital saat ini adalah endorsement, yang melibatkan penggunaan keuntungan dari popularitas influencer. Berdasar dari teori kredibilitas sumber, penelitian ini ingin melihat apakah hubungan parasosial memediasi pengaruh kredibilitas influencer terhadap intensi membeli belanja online produk kosmetik. Partisipan penelitian ini merupakan perempuan yang berusia 18-24 tahun, menggunakan Instagram dan/atau Tiktok dan mengikuti beauty influencer. Hasil analisis mediasi menunjukkan kredibilitas influencer berpengaruh positif terhadap hubungan parasosial dan hubungan parasosial berpengaruh positif terhadap intensi membeli. Tidak ditemukan hubungan yang signifikan antara kredibilitas influencer dan intensi membeli (p = 0.727). Dengan demikian, kredibilitas influencer memengaruhi intensi membeli hanya melalui hubungan parasosial (p = <0.01).

One of the most successful marketing strategies in today's digital age is endorsement, which involves taking advantage of influencers' popularity. Based on the source credibility theory, this study aims to see whether parasocial relationships mediate the influence of influencer credibility on the purchase intention of online shopping for cosmetic products. The participants were women aged 18-24 years old, using Instagram and/or TikTok and following beauty influencers. The results of the mediation analysis show that influencer credibility has a positive effect on parasocial interaction and parasocial interaction have a positive effect on purchase intention. No significant relationship was found between influencer credibility and purchase intention (p = 0.727). Thus, influencer credibility affects purchase intention only through parasocial relationships (p = <0.01)."
Depok: Fakultas Psikologi Universitas Indonesia, 2024
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UI - Skripsi Membership  Universitas Indonesia Library
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Dea Wemona Rahma
"Transaksi belanja online di Indonesia diperkirakan mencapai Rp429 triliun pada tahun 2020. Penambahan pengguna baru di e-marketplace pun meningkat sebanyak 51% selama masa pandemi COVID-19. Pada kuartal tiga tahun 2020, Shopee menduduki peringkat pertama pada kategori peringkat aplikasi di App Store dan peringkat aplikasi di Play Store. Meskipun menempati posisi pertama, Shopee masih menerima banyak keluhan dari para penggunanya. Adanya keluhan dari pengguna menandakan bahwa ada ketidakpuasan dalam menggunakan aplikasi. Pengguna yang tidak puas sangat rentan untuk berhenti menggunakan aplikasi dan beralih ke kompetitor. Tujuan penelitian ini yaitu menganalisis faktor-faktor yang memengaruhi kepuasan pengguna (sisi pembeli) dan kaitannya dengan keberlanjutan niat untuk menggunakan aplikasi mobile Shopee. Selain itu, penelitian juga bertujuan untuk menyusun usulan rekomendasi yang ditujukan pada Shopee untuk meningkatkan kepuasan pengguna aplikasi mobile Shopee. Penelitian dilakukan dengan metode campuran, yaitu secara kuantitatif dengan menyebarkan kuesioner dan secara kualitatif dengan melakukan wawancara. Model penelitian dibangun menggunakan teori Technology Acceptance Model (TAM) dan teori E-Service Quality. Analisis sebanyak 237 data responden dilakukan dengan metode Partial Least Square (PLS-SEM). Selanjutnya dilakukan wawancara untuk mendalami kondisi dan permasalahan yang dirasakan oleh pengguna (sisi pembeli) aplikasi mobile Shopee. Hasil penelitian menujukkan bahwa faktor mobile app design, fulfillment, security/privacy, perceived enjoyment, dan social influence memengaruhi kepuasan pengguna yang lebih lanjut memengaruhi niat penggunaan aplikasi secara berkelanjutan. Sedangkan faktor customer service tidak ditemukan memengaruhi kepuasan pengguna. Selain itu, penelitian ini juga menghasilkan rekomendasi yang disusun untuk mengurangi keluhan dan ketidakpuasan pengguna aplikasi mobile Shopee.

Online shopping transactions in Indonesia are estimated to reach IDR 429 trillion in 2020. The addition of new customers on the e-marketplace also increased by 51% during the COVID-19 pandemic. In the third quarter of 2020, Shopee was ranked first in the categories of App rating on the App Store and App rating on the Play Store. Even though it occupies the first position, Shopee still receives a lot of complaints from its users. The existence of complaints from users indicates that there is dissatisfaction in using the application. Dissatisfied users are vulnerable to stop using the app and turning to competitors. This research aims to analyze what factors affect user satisfaction (buyer side) and its relation to the continued intention to use the Shopee mobile application. Furthermore, this research also aims to formulate recommendations aimed at Shopee to increase the satisfactio of Shopee mobile application’ users. The research was conducted using mixed methods, namely quantitatively by distributing online questionnaires and qualitatively by conducting interviews. The research model is built using the Technology Acceptance Model (TAM) and E-Service Quality theory. An analysis of 237 respondents’ data was carried out using the Partial Least Square (PLS-SEM) method. The findings reveal that mobile app design, fulfillment, security/privacy, perceived enjoyment, and social influence affect user satisfaction which further affects the intention to use the application continuously. Customer Service was not found to affect user satisfaction. In addition, this research also provides recommendations to reduce complaints and dissatisfaction from Shopee mobile application’ users."
Depok: Fakultas Ilmu Komputer Universitas Indonesia, 2021
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UI - Tugas Akhir  Universitas Indonesia Library
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Beatrix Lungidita Dewi Maharani
"Masifnya penetrasi internet telah mengubah perilaku konsumen dari berbelanja melalui store fisik menjadi belanja online. Sebagian besar konsumen menunjukkan perilaku online impulse buying atau pembelian secara spontan tanpa adanya perencanaan saat berbelanja online. Perilaku impulse buying dapat terjadi karena adanya stimulus, seperti website quality, sales promotion, dan online payment use. Oleh karena itu, penelitian ini bertujuan untuk menganalisis pengaruh website quality terhadap online impulse buying yang dimoderasi dengan sales promotion dan online payment use pada konsumen produk kecantikan dan perawatan di Kanal LazMall Lazada pada wilayah Jakarta. Penelitian menggunakan pendekatan kuantitatif melalui teknik purposive sampling pada 165 responden yang didapatkan melalui online questionnaire. Hasil penelitian menunjukkan bahwa website quality berpengaruh secara signifikan terhadap online impulse buying. Namun, tidak terdapat pengaruh signifikan pada sales promotion dan online payment use terhadap online impulse buying. Selanjutnya, sales promotion dan online payment use tidak memoderasi hubungan antara website quality dan online impulse buying.

The massive penetration of the internet has changed consumer behavior from shopping through physical stores to online shopping. Most consumers show impulse buying online behavior or buy certain products spontaneously without careful consideration when shopping online. Impulse buying behavior can occur due to stimuli, such as website quality, sales promotion, and online payment use. Therefore, this study aims to analyze the effect of website quality on online impulse buying moderated by sales promotion and online payment use for consumers of beauty and personal care products in the LazMall Channel Lazada in the Jakarta area. The study used a quantitative approach through purposive sampling technique on 165 respondents, who were obtained through an online questionnaire. The results showed that website quality had a significant effect on online impulse buying. However, there is no significant effect on sales promotion and online payment use on online impulse buying. Furthermore, sales promotion and online payment use do not moderate the relationship between website quality and online impulse buying."
Depok: Fakultas Ilmu Administrasi Universitas Indonesia, 2021
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UI - Skripsi Membership  Universitas Indonesia Library
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Latisha Widayati Saphira
"Keputusan pengambilan pinjaman daring di Indonesia terus mengalami peningkatan, meski pinjaman daring memiliki bunga yang lebih tinggi dibandingkan bunga bank. Beberapa studi sebelumnya menjelaskan bahwa pengambilan keputusan pinjaman dipengaruhi oleh faktor religiositas dan sosio-ekonomi. Berbeda dengan studi-studi terdahulu, penelitian ini melihat bahwa literasi hutang dan jaringan sosial dapat memengaruhi pengambilan keputusan pinjaman daring. Penelitian ini menggunakan pendekatan kuantitatif dengan menyebarkan kuesioner kepada 112 penduduk Kelurahan “X”, Kota Depok berusia 19-34 tahun yang dipilih secara multi-stage random sampling. Hasil uji regresi linier berganda menunjukkan bahwa hanya literasi hutang yang berpengaruh negatif signifikan terhadap pengambilan keputusan pinjaman daring. Penelitian ini mengungkapkan bahwa jaringan sosial tidak terlalu berpengaruh terhadap pengambilan keputusan pinjaman daring karena individu cenderung mencari dan memperoleh informasi pinjaman daring melalui perangkat ponsel pintar (smartphone) masing-masing, sehingga individu tidak terlalu membutuhkan interaksi dan diskusi dengan orang lain. Lebih lanjut, hasil penelitian ini menunjukkan juga bahwa literasi hutang menjadi faktor determinan terkuat dalam pengambilan keputusan pinjaman daring.

The decision making on online loans in Indonesia keeps increasing, even though the online loan interest is higher than the bank interest. Some of the previous studies explain that decision making in taking loans is influenced by religiosity and socio-economy factors. Unlike the studies that have been done before, this research sees that debt literacy and social networks can affect decision-making on online loans. This research uses a quantitative approach by spreading questionnaire to 112 residents of Kelurahan "X", Depok. The respondents were selected by multi-stage random sampling and aged between 19-34 years old. The test result of multiple linear regression shows that only debt literacy has a negatively significant effect on the online loans decision making. This research reveals that social networks don’t necessarily affect the online loans decision making because an individual tends to search and gain information about an online loan through their smartphone, thus, the individual doesn’t necessarily need to interact or discuss with other people. Furthermore, the results of this research show that debt literacy can be the strongest determinant factor for decision making on online loans."
Depok: Fakultas Ilmu Sosial dan Ilmu Politik Universitas Indonesia, 2020
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UI - Skripsi Membership  Universitas Indonesia Library
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