FAKTOR-FAKTOR YANG MEMPENGARUHI PEMBAYARAN NON TUNAI PADA E-COMMERCE

  • T Saiful Hadi Institut Agama Islam Negeri Langsa
  • Early Ridho Kismawadi Institut Agama Islam Negeri Langsa
  • Rifyal Dahlawy Chalil Sekolah Tinggi Agama Islam Aceh Tamiang
  • M Irvani Bahri Sekolah Tinggi Agama Islam Aceh Tamiang

Abstract

This study aims to determine the effect of consumer knowledge, the ease and features of the service on the decision to use. A total of 100 respondents were involved in this study using purposive sampling technique. Respondents were selected based on the criteria, namely, e-commerce users at least 5 times who used Shopee, Tokopedia and Lazada in the past year. Multiple Linear Regression Analysis was used in this study as a method to analyze data using SPSS 16.0 (Statistical Package for Social Science) software. The results of this study indicate that: (1) Consumer knowledge has a positive and significant effect on decisions to use non-cash payments in e-commerce, indicated by the value of the income coefficient (X1) which is positive, namely 2.507 and the p-value is less than the significance level (0.014 < 0.05). (2) Ease has a positive and significant effect on the decision to use non-cash payments in e-commerce, indicated by the value of the convenience coefficient (X2) which is positive, namely 3.023 and the p-value is less than the significance level (0.003 < 0.05). (3) Service features have a positive and significant effect on the decision to use non-cash payments in e-commerce, as indicated by the service feature coefficient value (X3) which is positive, namely 3.409 and the p-value is less than the significance level (0.001 < 0.05). And the coefficient of determination (R2) is 0.341 or 34.1%. This value indicates that 34.1% of usage decisions are influenced by consumer knowledge, convenience and service features, while the remaining 65.9% is influenced by independent variables that are not examined.

Published
2022-06-28
How to Cite
Hadi, T., Kismawadi, E., Chalil, R., & Bahri, M. (2022). FAKTOR-FAKTOR YANG MEMPENGARUHI PEMBAYARAN NON TUNAI PADA E-COMMERCE. Jurnal Ilmu Keuangan Dan Perbankan (JIKA), 11(2), 137-154. https://doi.org/10.34010/jika.v11i2.6036
Section
Articles