Analisis Dampak Financial Risk Information Risk dan Interaction Risk terhadap Online Purchase Intention
Abstract
Tujuan penelitian ini yaitu untuk mengetahui dampak financial risk, information risk, interaction risk terhadap online purchase intention. Penelitian ini menggunakan pendekatan kuantitatif melalui penyebaran kuesioner online. Adapun populasi yang digunakan dalam penelitian ini yaitu keseluruhan konsumen yang melakukan transaksi melalui media pemasaran berbasis digital. Ukuran sampel minimum diambil berdasarkan perhitungan 10 kali jumlah item pengukuran dan diperoleh jumlah sampel sebesar 120 sampel. Sebelum melakukan tahapan analisis pengujian hipotesis terlebih dahulu dilakukan uji kualitas data yaitu uji validitas dan uji reliabilitas. Penelitian ini menggunakan teknik Kaiser Meyer Olkin Measure of Samling (KMO) dan Barlett Test of Spehericity deangan bantuan Software SPSS Versi 24. Selanjutnya untuk menguji reliabilitas instrument pengukuran menggunakan prosedur Chornbachs Alpha. Untuk tahap pengujian hipotesis, penelitian ini menggunakan pendekatan analisis regresi linear berganda. Hasil penelitian ini yaitu financial risk tidak berpengaruh signifikan terhadap online purchase intention. Untuk information risk berpengaruh signifikan terhadap online purchase intention. Selanjutnya untuk information risk berdampak signifikan terhadap online purchase intention. Selanjutnya untuk interaction berdampak signifikan terhadap online purchase intention.
Keywords:
Financial Risk, Information Risk, Interaction Risk, Online Purchase Intention
References
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Hamid, R. S., & Patra, I. K. (2019). PENGANTAR STATISTIKA UNTUK RISET BISNIS DAN EKONOMI Konsep Dasar dan Aplikasi SPSS versi 25. CV. AA. RIZKY.
Hyun, T. A., & Shin, S. (2009). Federal Reserve Bank of New York Staff Reports Money, Liquidity, and Monetary Policy. 398.
Ikbal, M., & Hamid, R. S. (2016). Smartphone Use of Effectiveness in Supporting Young Entrepreneurs Business Activity in the Palopo Using Technology Acceptance Model (TAM). Information Management and Business Review, 8(1), 57-65.
Kemp, D., & Owen, J. R. (2013). Community relations and mining: Core to business but not “core business.” Resources Policy, 38(4), 523–531. https://doi.org/10.1016/j.resourpol.2013.08.003\
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Klaus, P., & an Maklan, S. (2013). Exploring the role of the online customer experience in firms’ multi-channel strategy: an empirical analysis of ... Cite this paper Developing a T ypology of Cust omer Experience Management Pract ice-From Preservers t o Vanguards. 1–32.
Kotler, P., & Keller, K. L. (2016). A framework for marketing management (p. 352). Boston, MA: Pearson.
Kotler, P. (2005). The role played by the broadening of marketing movement in the history of marketing thought. Journal of Public Policy and Marketing, 24(1), 114–116. https://doi.org/10.1509/jppm.24.1.114.63903
Lee, S. M., & Lee, D. (2020). “Untact”: a new customer service strategy in the digital age. Service Business, 14(1), 1–22.
Leong, C. M., Loi, A. M. W., & Woon, S. (2022). The influence of social media eWOM information on purchase intention. Journal of Marketing Analytics, 10(2), 145-157.
Malhotra, D. (2010). The desire to win: The effects of competitive arousal on motivation and behavior. Organizational behavior and human decision processes, 111(2), 139-146.
Nailufaroh, L., Jefri, U., & Febriyanti, F. (2021). Profitabilitas dan Risiko Keuangan Terhadap Harga Saham Syariah Dengan Inflasi Sebagai Variabel Intervening. Jurnal Revenue: Jurnal Ilmiah Ilmu Akuntansi, 2(1), 145-162.
Nasdian, F. T. (2015). Sosiologi umum. Yayasan Pustaka Obor: Indonesia.
Nguyen, L., Gallery, G., & Newton, C. (2019). The joint influence of financial risk perception and risk tolerance on individual investment decision‐making. Accounting & Finance, 59, 747-771.
Nguyen, C., Tran, D., Nguyen, A., & Nguyen, N. (2021). The Effects of Perceived Risks on Food Purchase Intention: The Case Study of Online Shopping Channels during Covid-19 Pandemic in Vietnam. Journal of Distribution Science, 19(9), 19–27. https://doi.org/10.15722/jds.19.9.202109.19
Ningsih & Atmaja, H. K. (2019). Metode Video Edukasi Efektif Meningkatkan Keterampilan Mahasiswa Melakukan Bantuan Hidup Dasar (BHD). Jurnal Keperawatan Terpadu (Integrated Nursing Journal), 1(1), 8-15.
Nurochman, A. (2014). Manajemen Risiko Sistem lnformasi Perpustakaan. Berkala Ilmu Perpustakaan Dan Informasi, 10(2), 1–13.
Park, D. H., Lee, J., & Han, I. (2007). The effect of on-line consumer reviews on consumer purchasing intention: The moderating role of involvement. International journal of electronic commerce, 11(4), 125-148.
Paul, R. (1996). Clinical Implications of the Natural History of Slow Expressive Language Development. American Journal of Speech-Language Pathology, 5(2), 5–21. https://doi.org/10.1044/1058-0360.0502.05
Prasetyo, L. B., Dharmawan, A. H., Nasdian, F. T., & Ramdhoni, S. (2016). Historical Forest fire Occurrence Analysis in Jambi Province During the Period of 2000 – 2015: Its Distribution & Land Cover Trajectories. Procedia Environmental Sciences, 33, 450–459. https://doi.org/10.1016/j.proenv.2016.03.096
Priambodo, S., & Prabawani, B. (2015). Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunan, Dan Persepsi Risiko Terhadap Minat Menggunakan Layanan Uang Elektronik (Studi Kasus Pada Masyarakat Di Kota Semarang). Jurnal Ilmu Administrasi Bisnis, 5(2), 127–135.
Quan, L., Al-Ansi, A., & Han, H. (2022). Assessing customer financial risk perception and attitude in the hotel industry: Exploring the role of protective measures against COVID-19. International Journal of Hospitality Management, 101, 103123.
Raharja, S. U. J., Kostini, N., Muhyi, H. A., & R. (2019). Utilisation analysis and increasing strategy: e-commerce use of SMEs in Bandung, Indonesia. International Journal of Trade and Global Markets, 12(3-4), 287-299.
Reibstein, D. J. (2002). What attracts customers to online stores, and what keeps them coming back? Journal of the Academy of Marketing Science, 30(4), 465–473. https://doi.org/10.1177/009207002236918
Roozy, E., Arastoo, M. A., & Vazifehdust, H. O. S. S. E. I. N. (2014). Effect of brand equity on consumer purchase intention. Indian J. Sci. Res, 6(1), 212-217.
Ru, L. J., Kowang, T. O., Long, C. S., Fun, F. S., & Fei, G. C. (2021). Factors Influencing Online Purchase Intention of Shopee’s Consumers in Malaysia. International Journal of Academic Research in Business and Social Sciences, 11(1), 761–776. https://doi.org/10.6007/ijarbss/v11-i1/8577
Shiau, W. L., Sarstedt, M., & Hair, J. F. (2019). Internet research using partial least squares structural equation modeling (PLS-SEM). Internet Research, 29(3), 398–406. https://doi.org/10.1108/IntR-10-2018-0447
Sugiyono, F. X. (2017). Instrumen Pengendalian Moneter: Operasi Pasar Terbuka (Vol. 10). Pusat Pendidikan Dan Studi Kebanksentralan (PPSK) Bank Indonesia.
Tran, V. D. (2020). The relationship among product risk, perceived satisfaction and purchase intentions for online shopping. Journal of Asian Finance, Economics and Business, 7(6), 221–231. https://doi.org/10.13106/JAFEB.2020.VOL7.NO6.221
Wang, R. J. H., Malthouse, E. C., & Krishnamurthi, L. (2015). On the go: How mobile shopping affects customer purchase behavior. Journal of retailing, 91(2), 217-234.
Yeap, J. A., Ignatius, J., & Ramayah, T. (2014). Determining consumers’ most preferred eWOM platform for movie reviews: A fuzzy analytic hierarchy process approach. Computers in Human Behavior, 31, 250-258.
Yunus, M., Saputra, J., & Muhammad, Z. (2022). Digital marketing, online trust and online purchase intention of e-commerce customers: Mediating the role of customer relationship management. International Journal of Data and Network Science, 6(3), 935–944. https://doi.org/10.5267/j.ijdns.2022.2.003
Zakaria, L. M. A., Purwoko, A. A., & Hadisaputra, S. (2020). Pengembangan Bahan Ajar Kimia Berbasis Masalah Dengan Pendekatan Brain Based Learning: Validitas dan Reliabilitas. Jurnal Pijar Mipa, 15(5), 554–557. https://doi.org/10.29303/jpm.v15i5.2258
Adrian, T., & Shin, H. S. (2010). Financial intermediaries and monetary economics. In Handbook of monetary economics (Vol. 3, pp. 601-650). Elsevier.
Biology, B. (1989). Lags in vegetation response to green house warming. 75–82.
Buheji, M., da Costa Cunha, K., Beka, G., Mavrić, B., Leandro do Carmo de Souza, Y., Souza da Costa Silva, S., Hanafi, M., & Chetia Yein, T. (2020). The Extent of COVID-19 Pandemic Socio-Economic Impact on Global Poverty. A Global Integrative Multidisciplinary Review. American Journal of Economics, 10(4), 213–224. https://doi.org/10.5923/j.economics.20201004.02
Chatterjee, S., & Kumar Kar, A. (2020). Why do small and medium enterprises use social media marketing and what is the impact: Empirical insights from India. International Journal of Information Management, 53(December 2019), 102103. https://doi.org/10.1016/j.ijinfomgt.2020.102103
D’Alessandro, S., Girardi, A., & Tiangsoongnern, L. (2012). Perceived risk and trust as antecedents of online purchasing behavior in the USA gemstone industry. Asia Pacific Journal of Marketing and Logistics, 24(3), 433–460. https://doi.org/10.1108/13555851211237902
Darmawi, H. (2006). Pasar Finansial dan Lembaga-Lembaga Finansial. Jakarta: Bumi Aksara.
Davis, M. B. (1989). Lags in vegetation response to greenhouse warming. Climatic change, 15(1), 75-82.
Doyle, J. D., Heslop, L. A., Ramirez, A., & Cray, D. (2012). Trust intentions in readers of blogs. Management Research Review, 35(9), 837–856. https://doi.org/10.1108/01409171211256226
Fahri, L. M., & Qusyairi, L. A. H. (2019). Interaksi Sosial dalam Proses Pembelajaran. Palapa, 7(1), 149–166. https://doi.org/10.36088/palapa.v7i1.194
Ghozali, I. (2017). Pengaruh motivasi kerja, kepuasan kerja dan kemampuan kerja terhadap kinerja pegawai pada kantor kementrian agama kabupaten banjar. Jurnal Ilmiah Ekonomi Bisnis, 3(1), 130–137.
Guven, H. (2020). 4.0 and marketing 4.0: in perspective of digitalization and E-Commerce. In Agile Business Leadership Methods for Industry 4.0. Emerald Publishing Limited.
Hamid, R. S., & Patra, I. K. (2019). PENGANTAR STATISTIKA UNTUK RISET BISNIS DAN EKONOMI Konsep Dasar dan Aplikasi SPSS versi 25. CV. AA. RIZKY.
Hyun, T. A., & Shin, S. (2009). Federal Reserve Bank of New York Staff Reports Money, Liquidity, and Monetary Policy. 398.
Ikbal, M., & Hamid, R. S. (2016). Smartphone Use of Effectiveness in Supporting Young Entrepreneurs Business Activity in the Palopo Using Technology Acceptance Model (TAM). Information Management and Business Review, 8(1), 57-65.
Kemp, D., & Owen, J. R. (2013). Community relations and mining: Core to business but not “core business.” Resources Policy, 38(4), 523–531. https://doi.org/10.1016/j.resourpol.2013.08.003\
Kendall, H., Kuznesof, S., Dean, M., Chan, M., Clark, B., Home, R., Stolz, H., Zhong, Q., Liu, C., Brereton, P., & Frewer, L. (2019). Chinese consumer ’ s attitudes , perceptions and behavioural responses towards food fraud. Food Control, 95(August 2018), 339–351. https://doi.org/10.1016/j.foodcont.2018.08.006
Khairunnisa, S., Hafidhuddin, D., & Tanjung, H. (2018). Online Purchase Intention : Study Case Moslem (Islami̇c )Fashi̇on ( Hijup . Com ). International Journal of Accounting, Finance and Business, 35–47. http://www.ijafb.com/PDF/IJAFB-2018-16-12-04.pdf
Klaus, P., & an Maklan, S. (2013). Exploring the role of the online customer experience in firms’ multi-channel strategy: an empirical analysis of ... Cite this paper Developing a T ypology of Cust omer Experience Management Pract ice-From Preservers t o Vanguards. 1–32.
Kotler, P., & Keller, K. L. (2016). A framework for marketing management (p. 352). Boston, MA: Pearson.
Kotler, P. (2005). The role played by the broadening of marketing movement in the history of marketing thought. Journal of Public Policy and Marketing, 24(1), 114–116. https://doi.org/10.1509/jppm.24.1.114.63903
Lee, S. M., & Lee, D. (2020). “Untact”: a new customer service strategy in the digital age. Service Business, 14(1), 1–22.
Leong, C. M., Loi, A. M. W., & Woon, S. (2022). The influence of social media eWOM information on purchase intention. Journal of Marketing Analytics, 10(2), 145-157.
Malhotra, D. (2010). The desire to win: The effects of competitive arousal on motivation and behavior. Organizational behavior and human decision processes, 111(2), 139-146.
Nailufaroh, L., Jefri, U., & Febriyanti, F. (2021). Profitabilitas dan Risiko Keuangan Terhadap Harga Saham Syariah Dengan Inflasi Sebagai Variabel Intervening. Jurnal Revenue: Jurnal Ilmiah Ilmu Akuntansi, 2(1), 145-162.
Nasdian, F. T. (2015). Sosiologi umum. Yayasan Pustaka Obor: Indonesia.
Nguyen, L., Gallery, G., & Newton, C. (2019). The joint influence of financial risk perception and risk tolerance on individual investment decision‐making. Accounting & Finance, 59, 747-771.
Nguyen, C., Tran, D., Nguyen, A., & Nguyen, N. (2021). The Effects of Perceived Risks on Food Purchase Intention: The Case Study of Online Shopping Channels during Covid-19 Pandemic in Vietnam. Journal of Distribution Science, 19(9), 19–27. https://doi.org/10.15722/jds.19.9.202109.19
Ningsih & Atmaja, H. K. (2019). Metode Video Edukasi Efektif Meningkatkan Keterampilan Mahasiswa Melakukan Bantuan Hidup Dasar (BHD). Jurnal Keperawatan Terpadu (Integrated Nursing Journal), 1(1), 8-15.
Nurochman, A. (2014). Manajemen Risiko Sistem lnformasi Perpustakaan. Berkala Ilmu Perpustakaan Dan Informasi, 10(2), 1–13.
Park, D. H., Lee, J., & Han, I. (2007). The effect of on-line consumer reviews on consumer purchasing intention: The moderating role of involvement. International journal of electronic commerce, 11(4), 125-148.
Paul, R. (1996). Clinical Implications of the Natural History of Slow Expressive Language Development. American Journal of Speech-Language Pathology, 5(2), 5–21. https://doi.org/10.1044/1058-0360.0502.05
Prasetyo, L. B., Dharmawan, A. H., Nasdian, F. T., & Ramdhoni, S. (2016). Historical Forest fire Occurrence Analysis in Jambi Province During the Period of 2000 – 2015: Its Distribution & Land Cover Trajectories. Procedia Environmental Sciences, 33, 450–459. https://doi.org/10.1016/j.proenv.2016.03.096
Priambodo, S., & Prabawani, B. (2015). Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunan, Dan Persepsi Risiko Terhadap Minat Menggunakan Layanan Uang Elektronik (Studi Kasus Pada Masyarakat Di Kota Semarang). Jurnal Ilmu Administrasi Bisnis, 5(2), 127–135.
Quan, L., Al-Ansi, A., & Han, H. (2022). Assessing customer financial risk perception and attitude in the hotel industry: Exploring the role of protective measures against COVID-19. International Journal of Hospitality Management, 101, 103123.
Raharja, S. U. J., Kostini, N., Muhyi, H. A., & R. (2019). Utilisation analysis and increasing strategy: e-commerce use of SMEs in Bandung, Indonesia. International Journal of Trade and Global Markets, 12(3-4), 287-299.
Reibstein, D. J. (2002). What attracts customers to online stores, and what keeps them coming back? Journal of the Academy of Marketing Science, 30(4), 465–473. https://doi.org/10.1177/009207002236918
Roozy, E., Arastoo, M. A., & Vazifehdust, H. O. S. S. E. I. N. (2014). Effect of brand equity on consumer purchase intention. Indian J. Sci. Res, 6(1), 212-217.
Ru, L. J., Kowang, T. O., Long, C. S., Fun, F. S., & Fei, G. C. (2021). Factors Influencing Online Purchase Intention of Shopee’s Consumers in Malaysia. International Journal of Academic Research in Business and Social Sciences, 11(1), 761–776. https://doi.org/10.6007/ijarbss/v11-i1/8577
Shiau, W. L., Sarstedt, M., & Hair, J. F. (2019). Internet research using partial least squares structural equation modeling (PLS-SEM). Internet Research, 29(3), 398–406. https://doi.org/10.1108/IntR-10-2018-0447
Sugiyono, F. X. (2017). Instrumen Pengendalian Moneter: Operasi Pasar Terbuka (Vol. 10). Pusat Pendidikan Dan Studi Kebanksentralan (PPSK) Bank Indonesia.
Tran, V. D. (2020). The relationship among product risk, perceived satisfaction and purchase intentions for online shopping. Journal of Asian Finance, Economics and Business, 7(6), 221–231. https://doi.org/10.13106/JAFEB.2020.VOL7.NO6.221
Wang, R. J. H., Malthouse, E. C., & Krishnamurthi, L. (2015). On the go: How mobile shopping affects customer purchase behavior. Journal of retailing, 91(2), 217-234.
Yeap, J. A., Ignatius, J., & Ramayah, T. (2014). Determining consumers’ most preferred eWOM platform for movie reviews: A fuzzy analytic hierarchy process approach. Computers in Human Behavior, 31, 250-258.
Yunus, M., Saputra, J., & Muhammad, Z. (2022). Digital marketing, online trust and online purchase intention of e-commerce customers: Mediating the role of customer relationship management. International Journal of Data and Network Science, 6(3), 935–944. https://doi.org/10.5267/j.ijdns.2022.2.003
Zakaria, L. M. A., Purwoko, A. A., & Hadisaputra, S. (2020). Pengembangan Bahan Ajar Kimia Berbasis Masalah Dengan Pendekatan Brain Based Learning: Validitas dan Reliabilitas. Jurnal Pijar Mipa, 15(5), 554–557. https://doi.org/10.29303/jpm.v15i5.2258
Published
2023-01-01
Section
Articles
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