Perbedaan Motivasi Berwirausaha Antara Wirausaha Etnis Tionghoa dan Wirausaha Etnis Jawa di Kota Salatiga

Abstract

Pengguna alat pembayaran digital atau e-money, perlu tahu apa yang mendasari para wirausahawan mengadopsi e-commerce demi meningkatkan kinerja mereka. Oleh karena itu, tujuan penelitian ini yaitu untuk menguji pengaruh sales promotion, fitur, perceived usefulness, perceived risk, perceived trust, serta mediasi perceived trust ke perceived risk terhadap keputusan beli menggunakan E-Money. Sampel penelitian berjumlah 100 orang responden diambil dengan menggunakan metode purposive. Data primer dari kuesioner ini dianalisis dengan menggunakan program AMOS 22 melalui Structural Equation Modelling (SEM). Penelitian ini menemukan bahwa keputusan beli menggunakan E-Money secara parsial dipengaruhi oleh sales promotion, perceived usefulness, dan perceived trust. Adapun keputusan beli E-Money tidak dimediasi oleh perceived risk yang dimediasi oleh perceived trust. Selain itu penelitian ini juga menemukan bahwa keputusan beli menggunakan E-Money tidak dipengaruhi oleh fitur, dan perceived risk.

Users of digital payments or e-money, need to know what underlies entrepreneurs adopting e-commerce to improve their performance. Therefore, the purpose of this study is to examine the effect of sales promotion, features, perceived usefulness, perceived risk, perceived trust, and the mediation of perceived trusts to perceived risks towards buying decisions using E-Money. The research sample amounted to 100 respondents taken using a purposive method. Primary data from this questionnaire were analyzed using program AMOS 22 with Structural Equation Modelling (SEM). This study found that purchasing decisions using E-Money are partially influenced by sales promotion, perceived usefulness, and perceived trust. The E-Money buying decision is not mediated by perceived risk mediated by perceived trusts. In addition, this study also found that buying decisions using E-Money are not influenced by features, and perceived risk.