PENGARUH CUSTOMER SERVICE, INKLUSI KEUANGAN, BUNGA PINJAMAN, DAN TEKNOLOGI TERHADAP MINAT PAYLATER

Doni Setiawan; Purwo Adi  Wibowo

doi:10.29062/mahardika.v23i2.1243

Authors

Doni Setiawan Universitas Islam Nahdlatul Ulama Jepara
Purwo Adi Wibowo Universitas Islam Nahdlatul Ulama Jepara

DOI:

https://doi.org/10.29062/mahardika.v23i2.1243

Keywords:

Customer Service, Financial Inclusion, Loan Interest Rates, Technology, PayLater

Abstract

The purpose of this study is to ascertain how customer service affects, financial inclusion, loan interest rates, and technology on the interest of factory employees in Jepara in using PayLater services. The research employs a quantitative approach, with the population being factory workers at PT Kanindo Makmur Jaya Welahan Jepara. The sample consists of 100 respondents aged 20-25 years, chosen by purposive sampling approaches combined with a non-probability sampling approach. Partial Least Squares (PLS) was used for data analysis.The findings indicate that the customer service and loan interest rate variables do not have a positive relationship. However, financial inclusion and technology have a positive effect on employees' interest in using PayLater services.

Downloads

Download data is not yet available.

References

Agung, A. A., Islam, U., & Alauddin, N. (n.d.). Perlindungan Hukum Terhadap Konsumen. 2(November 2020), 432–444.

Andra Novarianty, T., & Maolana Hidayat, A. (2024). The Effect of Using Paylater Services on Patterns Consumption Mediated By Personal Money Management in Generation Z. American Journal of Multidisciplinary Research & Development (AJMRD), 06(07), 1–14. www.ajmrd.com

Bastiar, Z. (2015). Service Excellent Dalam Rangka Membentuk Loyalitas Pelanggan. Jurnal MANAJERIAL, 9(1), 54–65. https://doi.org/10.17509/manajerial.v9i1.1211

Esther Sinaga, C., Jonathan Sibarani, H., & Jumiyanti Nababan, S. (2022). The Influence of Perception, Buying Interest and Trust in The Purchase of Financial Product on Online Loan Applications in Medan City. Management Studies and Entrepreneurship Journal, 3(3), 1273–1284. http://journal.yrpipku.com/index.php/msej

Group, W. B. (N.D.). Keuangan Inklusif Melalui Inovasi Layanan Keuangan: Meyakinkan Pelaku Usaha Dan Konsumen Di Indonesia. World Bank Group. Retrieved September 26, 2024, From https://www.worldbank.org/in/news/feature/2023/11/13/inclusion-through-innovation-in-financial-services-winning-over-businesspeople-and-consumers-in-indonesia

Karambut, F., & Bisnis, S. (2019). Efek Faktor Demografi Dan Karakteristik Bisnis Online Terhadap Minat Pengajuan Kredit Mikro. 9(1), 141–159.

Mardi, M., & Faradila, L. (2016). Pengaruh Non Performing Loan (Npl) Dan Bunga Pinjaman Terhadap Tingkat Profitabilitas Bank Umum Swasta Nasional. Jurnal Organisasi Dan Manajemen, 12(1), 79–88. https://doi.org/10.33830/jom.v12i1.49.2016

Nasir, et, A. (2023). Pengaruh Kualitas Sistem, Keamanan dan Harga terhadap Kepuasan Pengguna dalam Penggunaan Paylater. 9(2), 356–363.

Permana, G. P. L., Astawan, M. A. P. P., & Laksmi P, K. W. (2022). Analisis Penggunaan Paylater dalam Transaksi Digital dengan Konstruk UTAUT 2. Moneter - Jurnal Akuntansi Dan Keuangan, 9(2), 84–91. https://doi.org/10.31294/moneter.v9i2.13195

Puteri, H. E., & Roza, S. (2018). Culture-Oriented Credit Management in Rural Bank as the Driving Factor in Creating Financial Inclusion (Survey in Rural Banks in West Sumatera Province). Proceeding of Community Development, 1(2017), 93. https://doi.org/10.30874/comdev.2017.15

Putra Pamungkas, R., Jhoansyah, D., Komariah, K., Sukabumi, U. M., Id, A., & Author, C. (2023). Analysis Of Perceptions Of Benefits And Social Factors On Interest In Using The Go-Pay Application Analisis Persepsi Manfaat Dan Faktor Sosial Terhadap Minat Dalam Menggunakan Aplikasi Go-Pay. Management Studies and Entrepreneurship Journal, 4(1), 341–349. http://journal.yrpipku.com/index.php/msej

Putri, S. E., Safitri, H., & Hariyanto, D. (2023). Pengaruh literasi keuangan dan Technology Acceptance Model terhadap minat menggunakan paylater pada mahasiswa. Jurnal Ekonomi, Keuangan Dan Manajemen, 19(1), 64–72.

Rajagukguk, R. (n.d.). Studi Tujuh Layanan Paylater di E-Commerce, Siapa yang Paling Kasih Cuan? MARKETEERS. Retrieved September 26, 2024, from https://www.marketeers.com/studi-tujuh-layanan-paylater-di-e-commerce-siapa-yang-paling-kasih-cuan/

Rum, N. N., & Paramitalaksmi, R. (2024). Pengaruh Literasi Keuangan Pada Minat Penggunaan Shopee Paylater (Spaylater) (Studi Kasus Mahasiswa Program Studi Akuntansi Universitas Mercu Buana Yogyakarta Angkatan 2020). Juremi: Jurnal Riset Ekonomi, 3(6), 1019–1026.

Silalahi, P. R., Althariq, G. N., Pohan, A., Wibowo, A., & Wijaya, I. R. (2022). Pengaruh Sistem Paylater Terhadap Minat Belanja Konsumen Pengguna Gojek. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 7(30), 1538–1548.

Vivi Eviana, & Saputra, A. J. (2022). Analisis Faktor-Faktor yang Memengaruhi Minat Penggunaan Sistem Pembayaran Pay Later. Jurnal Pendidikan Tambusai, 6(1), 1968–1977.