Trust Variables Research Articles

READINESS TO ADOPT QRIS AMONG MSMES IN SAMARINDA: AN EMPIRICAL ANALYSIS

Quick Response Code Indonesian Standard (QRIS), developed by Bank Indonesia and the Indonesian Payment System Association, is a versatile payment system that accepts transactions from both bank and non-bank sources. Given the increasing competitive business environment and the necessity for efficient and swift payment systems, Micro, Small, and Medium Enterprises (MSMEs) need to be prepared to adopt QRIS. This study aims to assess the readiness of MSMEs in Samarinda to implement QRIS. The research employs the Technology Acceptance Model (TAM) with the inclusion of a trust variable. Primary data were collected from 220 respondents and analyzed using AMOS. The study examines six variables: trust, perceived usefulness, perceived ease of use, attitude, behavioral intention, and adoption system. Eight hypotheses were tested, all showing significant effects: trust on perceived ease of use, trust on perceived usefulness, perceived ease of use on perceived usefulness, trust on attitude, perceived ease of use on attitude, perceived usefulness on attitude, attitude on behavioral intention, and behavioral intention on the adoption system. The findings suggest that the readiness of MSMEs to adopt QRIS is crucial for accelerating national economic recovery post-COVID-19, particularly for MSMEs in Samarinda. The adoption of QRIS is expected to enhance the efficiency and effectiveness of payment systems, contributing to the overall growth and competitiveness of MSMEs.

THE INFLUENCE OF BRAND IMAGE AND BRAND TRUST ON CUSTOMER SATISFACTION OF FERTILIZER ON FARMERS IN BANTUL REGENCY

The widely distributed Non-subsidized NPK fertilizers which are quite diverse give more options for farmers to choose from which they want to use in their farming activities. This study aims to determine the effect of brand image and brand trust on customer satisfaction of non-subsidized NPK fertilizer shallot farmers in Bantul Regency. This quantitative research was conducted by using a non-probability sampling method with convenience sampling technique. The number of respondents in this study was 100 shallot farmers who use non-subsidized NPK fertilizer with the Mutiara and Phonska Plus brands at least twice. Data analysis was done with Structural Equation Modelling-Partial Least Square (SEM-PLS). The results of this study shows that the brand image variable is measured from indicators of brand identity, brand personality, brand associations, and brand attitudes and behavior. The brand trust variable is measured by some indicators which are brand characteristics, company characteristics, customer-brand characteristics, affective trust, and cognitive trust. The customer satisfaction variable is measured by service quality, product quality, price suitability, as well as situation and personality. Furthermore, the analysis shows that brand image and brand trust have a positive and significant effect on customer satisfaction. It is expected that farmers can exchange information regarding the use of non-subsidized NPK fertilizer in order to decide best decisions in cultivating shallot plants.

A new paradigm of moral education and civic engagement? A sociological institutionalist interpretation of multiculturalism among Taiwanese youth

ABSTRACT Sociological Institutionalists of education suggest that the first quarter of the 21st century has seen a paradigm shift in moral education worldwide toward depicting global citizenship as rooted in social diversity and common humanity, going beyond the locally focused interests of nation-states. Within the context of the ongoing nation building process in the self-governing territory of Taiwan in the past two decades, this study offers a telling example of the dynamics between the cosmopolitan turn in curriculum reforms and the parallel socio-political realities. Drawing on a large group of university students (N = 1,020) from Taiwan, this paper offers an empirical perspective regarding how multiculturalism promotes civic and political participation as a process of global citizenship making. The indirect effects through the mediating variables of political self-efficacy and trust in the democratic system have also shed some light on how the process works on certain individual and social conditions.

Factors Influencing Shopee Users’ Purchase Decisions: An Islamic Economics Perspective

The purpose of this study is to investigate the impact of product reviews and trust on Shopee purchasing behavior from the perspective of Islamic Economics. Data was gathered via surveys and analyzed using data analysis procedures such as the validity test, reliability test, classical assumption test, multiple linear regression analysis, t-test, F test, and coefficient of determination. This study makes use of product review factors, trust variables, and purchasing decision variables. The result indicates product review and trust are significant positives to purchasing decisions. The study emphasizes the importance of product evaluations and trust in influencing shopping decisions on Shopee within the context of Islamic Economics. Recognizing the interaction of these elements may help firms, platform operators, and legislators make strategic decisions about how to create a climate conducive to internet trade while adhering to ethical and Islamic standards.

Altruism as Moderation on Zakat Literacy, Trust, and Religiosity Toward the Decision of Muzakki to Pay Zakat at LAZ Solopeduli

Purpose: This research aims to examine the variables of zakat literacy, trust, and religiousness on Muzakki's decision to pay zakat at LAZ Solopeduli. The study also seeks to explore whether altruism can moderate these three variables in influencing Muzakki's decision to pay zakat at LAZ Solopeduli.Design/Method/Approach : This study utilizes a quantitative method assisted by SEM-PLS software to test statistical hypotheses. The sample size consists of 105 Muzakki respondents.Findings: The research findings indicate that zakat literacy, trust, and religiousness have a positive and significant impact on Muzakki's decision to pay zakat. However, the altruism variable is unable to moderate zakat literacy, trust, and religiousness in influencing Muzakki's decision to pay zakat. On the other hand, the religious obligations and basic understanding of zakat drive Muzakki to consistently pay zakat at LAZ Solopeduli, not influenced by other factors such as environmental conditions or altruistic attitudes.Originality/Values: This study is the first to introduce altruism as a variable to examine Muzakki's decision to pay zakat at an official zakat institution

Influence Of Brand Image And Customer Trust On Customer Loyalty Through Customer Satisfaction With Gender As A Moderation Variable

This study aims to investigate the impact of brand image and customer trust on customer loyalty, mediated via customer satisfaction. Gender is employed as an independent variable to mitigate the impact of brand image and customer trust variables on customer loyalty. This study utilized data from 250 respondents who completed a questionnaire issued to BSI customers in the Malang Raya area. Purposive sampling and proportional random sampling are two distinct methods used for sampling. A proportional random sampling method was employed to ensure that the percentage of respondents from Malang City, Malang Regency, and Batu City was maintained. The research used the Structural Equation Modeling - Partial Least Squares (SEM-PLS) approach. These data indicate that brand image and customer satisfaction substantially impact customer loyalty. However, customer trust does not have a significant effect on customer loyalty. Moreover, the brand's image and the level of consumer trust notably impact customer satisfaction. The findings of this study indicate that customer satisfaction serves as an intermediary variable that influences brand image and consumer trust, ultimately affecting customer loyalty. In addition, gender cannot reduce the impact of brand image and customer trust.

Financial Technology and Service Quality for Purchasing Decisions Through Customer Trust in Indonesian State-Owned Enterprise (BUMN)

The rapid progress of the internet and technology continues to unfold, giving rise to innovations in various sectors dependent on these advancements. Financial technology is one such evolving technology in the current landscape. According to the theory, financial technology is defined as the application of technology aimed at enhancing the value of financial services and has the potential to increase customer trust through the development and provision of products. However, specific research on financial technology remains scarce. The focus of this research is to assess the influence of financial technology and service quality on purchasing decisions through customer trust. The research methodology employs a quantitative approach with the distribution of questionnaires. The sample for this study consists of 360 respondents, and the data analysis technique used is Structural Equation Modeling-Partial Least Square (SEM-PLS). The results of this study indicate that financial technology and customer trust significantly and positively impact purchasing decisions. Service quality also has a positive and significant effect on customer trust and purchasing decisions. However, financial technology and purchasing decisions do not exhibit a significant positive impact. The inclusion of the customer trust variable is considered crucial as it can mediate relationships with other variables.

The Influence of Mobile Banking Service Quality and Trust on Customer Satisfaction of Indonesian Sharia Bank (BSI KC Bandar Lampung Diponegoro)

This study aims to determine the effect of mobile banking service quality and trust on customer satisfaction either partially or simultaneously. The data used in this study is primary data obtained directly from the answers of 80 respondents (customers of Bank Syariah Indonesia Kc Bandar Lampung Diponegoro), who downloaded and used the Bsi Mobile Banking application as a transaction medium. The analytical method used is the multiple linear regression analysis method. Based on the results of the study it is known that the variable quality of mobile banking services influences customer satisfaction from the t value greater than t table 7.274 > 1.994. For the calculated t trust variable, it is 3.431 > 1.994. This indicates that the trust variable has a significant influence on customer satisfaction. And on the results of the simultaneous test, the two variables together have a significant influence on customer satisfaction with f count greater than f table of 289.776 > 3.15. In the coefficient of determination test (R2), the variation of the independent variables used in the model can explain 88.3% of the dependent variation. Keywords: service quality, mobile banking, trust, customer satisfaction

Impact of risk perception and trust in autonomous vehicles on pedestrian crossing decision: Navigating the social-technological intersection with the ICLV model

In the rapidly evolving realm of transportation technology, the dynamic relationship between pedestrians and technological innovations has attained unprecedented importance. The complex social-technological intersection surrounding pedestrian road crossings has emerged as an attention for traffic safety. What distinguishes the contemporary urban environment is the rapid assimilation of intelligent transportation systems (ITS) into the transportation infrastructure, including technological elements such as autonomous vehicles, advanced surveillance systems, and smart infrastructure. To investigate how pedestrians perceive risks, trust technology, and make decisions in this era of technological progress, we designed a video-based questionnaire utilizing the stated preference (SP) methodology. We collected SP data from 589 Chinese pedestrians and employed an integrated choice and latent variable (ICLV) model to quantify the influence of risk perception and trust in autonomous vehicle (trust in AV), treated as latent variables, on their crossing decisions. Our findings indicate that the presence of autonomous vehicles significantly affects pedestrian crossing decisions. Specifically, an increase in the approaching vehicle speed and a decrease in the approaching vehicle distance increase the pedestrians’ tendency to choose not to cross the road, and the latent variables of risk perception and trust in AV strongly predict this phenomenon. The results of the scenario analysis show that, compared with overall pedestrians, middle-aged pedestrians and high-risk perception-level pedestrians are more conservative in their crossing decisions, but high levels of trust in AV improve pedestrians’ willingness to cross the street. Additionally, the pedestrian-related findings of this study at the social-technological intersection provide better understanding of the decision process and contribute to the planning and development of urban intelligent transportation systems.

Online cash waqf behavioral intention: the role of knowledge of cash waqf and trust

Purpose This study aims to explore the determinants that impact state Islamic University/Perguruan Tinggi Keagamaan Islam Negeri students’ intention to adopt online cash waqfs. In doing so, this study integrates knowledge of cash waqf and trust variables within the theory of planned behavior (TPB), allowing an examination of the mediating role of TPB variables and trust within the relationship between knowledge of cash waqf and intention for online cash waqf behavior. Design/methodology/approach To carry out an empirical analysis, the authors developed a well-structured questionnaire and distributed it to a group of students currently enrolled in PTKIN, obtaining 443 usable responses. The partial least squares-structural equation modeling (PLS-SEM) technique was used for the dual purposes of data analysis and hypothesis testing. Findings This study demonstrates that factors such as attitude, subjective norms, perceived behavioral control, trust and knowledge of cash waqf have a significant and favorable influence on the intention to donate through e-cash waqf. Knowledge of cash waqf impacts attitudes, subjective norms, perceived behavioral control and trust. The final analysis shows that attitude, subjective norms, perceived behavioral control and trust partially mediate the relationship between knowledge and intention in the online cash waqf context. Practical implications The aforementioned elucidates the paramount importance of trust in shaping individuals’ tendencies to engage in cash waqfs. The insights mentioned have the potential to be used by cash waqf establishments to promote transparency and accountability, ultimately bolstering the confidence of potential donors. Originality/value The concepts of waqf and the use of online cash waqf as a means of donation in developing countries are relatively new. In this study, the intention of students to adopt online cash waqf was predicted for the first time by considering their knowledge of cash waqf and their trust in online cash waqf transactions.

How Intention to Use Mobile Payment in Indonesia Formed? The Role of Innovativeness, Usefulness, Risk, and User Stress

Purpose: This study aims to examine the effect of perceived satisfaction, perceived usefulness, perceived risk, and perceived trust variables on the intention to use mobile payment in Indonesia. Method: This study is causal research that was tested empirically by using questionnaire data of 300 respondents who have used Gopay mobile payment (largest mobile payment in Indonesia) at least 3 times in the last 3 months. The analysis of this study used Structural Equation Modeling (SEM) with SPSS and AMOS software. Results and Conclusion: The results show that innovativeness and perceived ease of use has a positive and significant effect on perceived usefulness, stress has a negative and significant effect on perceived usefulness, while perceived satisfaction, perceived usefulness, and perceived trust have a positive and significant effect on the intention to use mobile payment Gopay in Indonesia. Originality/value: This study tries to close the gap between the research of Cabanilas et al. (2020) and Leiva et al. (2017) by replicating the model using the largest mobile payment in Indonesia. The study drew a large sample up to cover 15 provinces in Indonesia. University of Surabaya, Surabaya, Indonesia.

PENGARUH PELAYANAN DAN KEPERCAYAAN TERHADAP KEPUASAN PASIEN GAWAT DARURAT BADAN LAYANAN UMUM DAERAH RSUD BALANGAN PROVINSI KALIMANTAN SELATAN

Health services are one of the many important needs for the community and are one of the basic rights of the community whose provision must be provided by the government as mandated in the 1945 Constitution Article 28 paragraph (1) "Everyone has the right to live in physical and mental prosperity. mentally, have a place to live, and have a good and healthy living environment and are entitled to health services” and Article 34 paragraph (3) “The state is responsible for the provision of proper public service facilities”. The purpose of this study was to determine the effect of service, trust, product quality and service quality on patient satisfaction in the emergency department of the Balangan Regional Public Service Agency. This study uses a quantitative approach. The number of samples used in this study were 93 samples of patients.Based on the results obtained, it is stated that the trust variable has a positive and significant effect on patient satisfaction in the emergency department of the Regional Public Service Agency of Balangan Hospital. (2) The service quality variable has a positive and significant effect on patient satisfaction in the emergency department of the Regional Public Service Agency of Balangan Hospital. (3) The variables of trust and service quality have a positive and significant effect on patient satisfaction in the emergency department of the Regional Public Service Agency of Balangan Hospital

A Model Proposal for Developing a Solution and Determining the Administrative Problems of Hospitals in Turkey: The BUY Model.

Background and Purpose: This study was conducted in line with the request of the senior management of a hospital. The objective of the current research is to identify managerial problems through the relationship between health employees' perceptions of organizational justice, trust in the manager and the organization, and job satisfaction; develop a solution proposal over the relationships between these variables and motivation variables; and present a model proposal (BUY Model) as a result. Methods: The study sample is comprised of 673 employees. The study data were collected online using a questionnaire consisting of five scales. The data were analyzed by descriptive statistical methods, correlation analysis, and regression analysis. Results: The findings obtained from the study showed that the participants' perceptions of organizational justice, trust in the manager and the organization, job satisfaction and motivation were generally at a moderate level. The study also determined that trust in the manager and the organization had a partial mediation effect on the effect of organizational justice on job satisfaction and the variables of trust in the organization, organizational justice, and trust in the manager, respectively, and especially, the job satisfaction variable also affected motivation. Conclusion: The BUY model was developed to identify problems related to the management of healthcare human resources and solve these problems. Considering the importance of the concepts of job satisfaction and motivation in terms of employee performance, health service quality, and patient satisfaction, it is thought that the developed model will benefit managers of health institutions in increasing the job satisfaction and motivation levels of health employees.

Pengaruh Citra Merek dan Kepercayaan terhadap Keputusan Pembelian Tiket Pesawat pada Konsumen Tiket.Com

This research aims to determine the influence of brand image and trust on airline ticket purchasing decisions among tiket.com consumers. The sampling tool used questionnaire media with a sample size of 150 respondents. The data used in this research is primary data. Data collection techniques use questionnaires. The population in this study are people who purchase airplane tickets using tiket.com. Before testing, the research instrument was first tested using validity and reliability tests. The analysis tool uses multiple linear regression tests. Hypothesis testing was carried out using the t test and F test, followed by the Determination Coefficient Test (R2) to determine the contribution of the included variables to the research results. The results of the regression test show that every one unit increase in the independent variable, both brand image and trust, will increase the decision to purchase airplane tickets. Hypothesis testing using the t test and F test gives the results that the two variables have a significant influence on the decision to purchase airplane tickets at the tiket.com company. The coefficient of determination obtained (R^2) was 40.6%, which means that the contribution of the brand image and trust variables to airline ticket purchasing decisions among tiket.com consumers was 40.6%.

The Influence of Digital Marketing Content on Purchase Intention Mediated by Trust Variables in Erigo Fashion Products

The development of social media, e-commerce platforms, and online advertising technology has opened new opportunities and transformed the way companies interact with consumers. Digital marketing has evolved beyond being merely a promotional tool; it also significantly influences overall purchasing decisions. This research aims to examine the impact of digital marketing content on purchase intention, mediated by the variable of trust. The study's population consists of individuals who have viewed Erigo's marketing content. Using a non-probability sampling method to determine the sample size, 100 respondents were selected. As a quantitative study, primary data were collected through the distribution of questionnaires using Google Forms. The data were analyzed descriptively using SEM PLS software. The research findings indicate that digital marketing content influences trust, trust affects purchase intention, and digital marketing content does not directly impact purchase intention. This signifies that trust, as a mediating variable, plays a crucial role in the relationship between these variables.

Trust and electronic word of mouth on purchase intention: Rating as mediator

In an increasingly digital era, trust factors, electronic word of mouth, and ratings have an important role in influencing consumer purchase intention. This study examines the effect of trust and electronic word of mouth, with ratings acting as a mediator, on the purchasing intentions of health products. The research centers on Shopee users residing in Salatiga City during COVID-19. The study sample consisted of 103 inhabitants of Salatiga City who used the Shopee marketplace. The analysis was performed using the partial least-squares structural equation method. The results suggest that trust does not significantly impact purchase intent, but the trust variable has a positive and significant impact on ratings. Moreover, purchase intent was positively and significantly affected by the rating variable. Purchase intention and evaluations are positively and significantly affected by electronic word of mouth elements. It is clear that using ratings as mediators to link trust andpurchase intention has a significant impact. In contrast, the link between electronic word of mouth and purchase intention, where rating serves as a mediator, does not indicate any significant impact.

Pengaruh Citra merek, Brand Awarenness dan Kepercayaan Merek Terhadap Loyalitas merek pada Pengguna E-Commerce

This study aims to determine the efect of brand image, brand awareness, brand trust and brand loyalty of E-Commerce costumers. This study used 35 sample respondents using a simple random sampling technique, namely a saturated sampling technique. Testing was carried out using the SPSS ver 23 application which consists of Data Quality Test, Classical Assumptions, Multiple Liner Analysis, Determinant Coefficients and Hypothesis testing. The results of the research show that the results of the t test (partial) show that there is a positive and significant influence of the variables Brand Image, Brand Awareness, and Brand Trust on Brand Loyalty. Of the three research variables, the dominant influence is the Brand Image variable because it has the largest beta coefficient value than the Brand Awareness and Brand Trust variables. The results of this research can be used to develop all e-commerce in the upcoming Keyword : Brand Image, Brand Awareness, Brand Trust And Brand Loyalty

Pengaruh Harga, Trust, Kemudahan dan Keamanan Menggunakan E-Commerce Terhadap Keputusan Pembelian (Studi pada Pengguna Shopee Mahasiswa Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam UIN Fatmawati Sukarno Bengkulu)

Purchasing decisions are a long process that buyers must go through before they buy a product and continue afterwards. The purpose of this study is to see whether variables such as price, trust, security and convenience variables have an effect on purchasing decisions. object of research for students of class 2020, 20221, and 2023 of the Sharia Economics study program. The object of this research is in the Sharia Economics study program of FEBI UIN Fas Bengkulu. The type of research approach is quantitative associative. Then purposive sampling is used to collect data as many as 100 people who are users of the shopee application. Multiple Linear Regression Analysis is used in the data analysis method. Based on the tests that have been carried out, it is revealed that partially price (X1) has a negative effect and (sig) on purchasing decisions. Then partially the variables of trust (X2), convenience (X3) and security (X4) in using e-commerce have a positive influence (sig) on purchasing decisions.

The Influence of Trust, Security and Service Quality on Purchasing Decisions

The purpose of this study aims to determine the effect of Trust, Security, and Quality of service on consumer Purchasing Decisions in Application online shop Zalora Indonesia in Tangerang. This type of research is quantitative methode. The sample used was 100 respondens with a sampling methode using non-probability sampling with accindetal technique. The data collection technique was through a questionnaire with a likert scale which had been processed using SPSS sofware version 26. The result of this study indicate that the sequrity and quality of service variables each have a significant effect on purchasing decision, while the trust variable has no significant effect on purchasing decisions

ANALISIS PERBANDINGAN PERILAKU KONSUMEN DI PASAR TRADISIONAL DAN E-COMMERCE

Technological developments characterized by easy access to the internet among the public have changed the pattern of life from traditional to a more modern and instantaneous one. Likewise, the economic sector has experienced a significant impact due to technological advances, one of which is the increase in the form of digital or electronic commerce. The research objectives aim to determine the condition of the market after e-commerce, then the effect of product quality, service quality, price perceptions, trust, and location on consumer purchasing decisions, knowing the relationship between purchasing decisions and market form selection, and knowing market form opportunities that provide more benefits to business actors. The population in this study is all consumers domiciled in Depok City who transact at Tugu Pal Market or e-commerce, and determining the number of samples for interviews with fashion traders using the Slovin formula at a precision level of 10% obtained as many as 43 samples. The analysis method used, namely the multiple linear regression analysis test, t test, and Mann-Whitney U-test, obtained information that in traditional markets product quality and trust have a significant effect, while in e-commerce the variables of service quality, price perception, and trust have a significant effect on purchasing decisions. In addition, there are changes in conditions in traditional markets after e-commerce.