This study aims to analyze the factors that influence online impulse buying. The population in this study are people who have shopped impulsively at various e-stores in Indonesia such as Shopee, Lazada, Bukalapak and Tokopedia. The research sample size is 325 respondents. Data was collected by distributing questionnaires through social media and analyzed using Partial Least Square (PLS) with SmartPLS software. The results show that flow state, product affect and social interaction have a positive influence on online impulse buying so that the pleasure felt by consumers when browsing e-stores, positive (emotional) responses to products and social interactions can encourage the online impulse buying. Meanwhile, product risk has no effect on impulse buying, so product risk will not be related to the occurrence of online impulse buying. Online businessmen can encourage impulse buying by presenting attractive e-stores and providing communication space for fellow consumers through various media to be able to share information about products and shopping experiences. ABSTRAKPenelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi online impuls buying. Populasi dalam penelitian ini adalah orang-orang yang pernah berbelanja secara impulsif pada berbagai e-store di Indonesia seperti Shopee, Lazada, Bukalapak dan Tokopedia. Ukuran sampel penelitian adalah 325 responden. Data dikumpulkan dengan menyebarkan kuesioner melalui media sosial dan dianalisis menggunakan Partial Least Square (PLS) dengan software SmartPLS. Hasil penelitian menunjukkan keadaan mengalir, persepsi produk dan interaksi sosial mempunyai pengaruh positif terhadap pembelian online secara impulsif sehingga kesenangan yang dirasakan konsumen ketika menelusuri e-store, respon (emosi) positif terhadap produk dan interaksi sosial yang dilakukan konsumen dapat mendorong munculnya pembelian impulsif online. Sementara resiko produk tidak mempunyai pengaruh terhadap pembelian impulsif sehingga besar kecilnya resiko produk tidak akan berhubungan dengan terjadinya online impuls buying. Pelaku bisnis online dapat mendorong terjadinya pembelian impulsif dengan menghadirkan e-store yang menarik dan menyediakan ruang komunikasi antarkonsumen melalui berbagai media untuk dapat saling berbagi informasi mengenai produk dan pengalaman berbelanja.JEL : M31
Financial inclusion is an increase in a person's understanding and ability to determine the required financial products or services that will increase the using of them. This study to investigated the relationship between financial inclusion to financial technology utilization of student in Universitas Negeri Padang. This study is quantitative by using questionnaire to get the primary data. The questionnaire was distributed to 300 students who understand financial management. After testing the hypothesis in this study using the Structural Equation Model (SEM), the results show that financial inclusion has a positive and significant relationship to financial technology.
E-Banking is a form of IT application that serve customers when doing transactions using their personal accounts by computer or mobile phone that is connected to the internet, therefore noncash transactions applied. This research aims to analyze the relationship between the application of E-Banking and the financial performance of go public bank in Indonesia. It was conducted at 41 go pulic bank as the research sample that selected based on purposive sampling. The data used is sourced from the annual report for 2014-2018. As the dependent variable, financial performance peroxide by Return on Equity (ROE). The independent variable is E-Banking which consists of two variables namely Internet Banking and Mobile Banking which are measured using a dummy. This study uses control variables consisting of risk, liquidity, bank size and business cycles. The data analysis technique used is partial correlation analysis. The results of this study indicate that: (1) internet banking is positively and significantly correlated with the financial performance of banks going public in Indonesia, (2) mobile banking is positively correlated and not significant with financial performance of going public banks in Indonesia.
Kakao merupakan salah satu komoditi yang banyak dimanfaatkan oleh industri. Biji kakao dapat diolah menjadi berbagai macam produk. Salah satu produk hilir biji kakao adalah bubuk kakao yang dapat diolah menjadi beberapa produk baru bernilai ekonomi tinggi. Pembangunan ekonomi kerakyatan merupakan satu upaya untuk meningkatkan perekonomian daerah dalam konsep pemberdayaan masyarakat melalui pemanfaatan sumberdaya lokal menjadi produk yang bernilai tambah. Namun kendala utamanya adalah produk kakao yang dihasilkan oleh petani masih dijual dalam bentuk primer, yaitu biji kakao kering, sehingga nilai tambah tersebut tidak dinikmati oleh petani, tetapi dinikmati oleh pengusaha baik di Indonesia maupun di negara pengimpor biji kakao. Peran perempuan sebagai penyokong keluarga dapat ikut berperan sebagai agen pencipta lapangan pekerjaan dan penghasil tambahan financial keluarga yaitu dalam hal kegiatan wirausaha. Dengan memanfaatkan ketersediaan sumberdaya alam dari pertanian kakao, tidak hanya sekedar budidaya buah namun juga untuk diolah kembali sehingga bernilai tambah untuk kemudian dijual. Kegiatan PKM ini dimaksudkan untuk membantu melatih para perempuan yang berlokasi di Nagari Tanjung Alam dan Nagari Barulak, Kabupaten Tanah Datar agar mampu mengolah bahan mentah kakao yang telah diolah menjadi biji kakao kering untuk kemudian dijadikan produk hilir seperti bubuk, pasta dan bangkil coklat
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