PENGARUH SERVICE USER BEHAVIOR DAN E-TRUST TERHADAP PERSONAL FINANCIAL MANAGEMENT DALAM PERSPEKTIF BISNIS ISLAM (Studi Pada Generasi Z Pengguna ShopeePay Later Di Kota Bandar Lampung)

Adhitya, Rachmanda Aksali and Femei, Purnamasari and Heni, Verawati PENGARUH SERVICE USER BEHAVIOR DAN E-TRUST TERHADAP PERSONAL FINANCIAL MANAGEMENT DALAM PERSPEKTIF BISNIS ISLAM (Studi Pada Generasi Z Pengguna ShopeePay Later Di Kota Bandar Lampung). Pemerintah Provinsi Lampung : BADAN PENELITIAN DAN PENGEMBANGAN DAERAH JURNAL INOVASI PEMBANGUNAN.

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Abstract

Abstrak: Perkembangan e-commerce telah membawa perubahan signifikan pada metode pembayaran yang sebelumnya didominasi oleh transaksi tunai, pembayaran berbasis kertas, dan kartu. Kini, muncul sistem pembayaran baru yang berbasis elektronik, salah satunya adalah metode Shopee pay. Shopee pay adalah dompet digital yang dimiliki oleh Shopee dan dapat digunakan untuk melakukan pembayaran online dan offline Pada 6 Maret 2019 Shopee meluncurkan fitur pembayaran kartu kredit digital terbaru yang disebut ShopeePayLater yang dikembangkan melalui kerja sama dengan perusahaan peer-to-peer lending, PT. Lentera Dana Nusantara (LDN). Generasi Z saat ini cenderung lebih sering menghabiskan uang untuk memenuhi kebutuhan pribadi, seperti membeli pakaian dan berbagai barang lainnya, tanpa mempertimbangkan keadaan keuangan mereka secara menyeluruh. Tujuan dari penelitian ini Apakah Service user behavior, dan E-Trust berpengaruh terhadap Personal Financial Management Serta Bagaimana padangan perspektif bisnis islam mengenai Personal Financial Management. Metode penelitian yang digunakan adalah kuantitatif dengan sampel berjumlah 100 responden, yang diambil dengan menggunakan teknik purposive sampling, metode analisis data dengan menggunakan smartpls 4. Hasil penelitian yang diperoleh secara langsung setiap variabel yaitu service user behavior berpengaruh positif dan signifikan terhadap personal financial management, e-trust berpengaruh positif dan signifikan terhadap personal financial management, dan untuk hasil uji F diperoleh service user behavior dan e-trust berpengaruh positif dan signifikan terhadap personal financial management. Kata kunci: E-Trust, Service User Behavior dan Personal Financial Management. Abstract: The development of e-commerce has brought significant changes to payment methods that were previously dominated by cash transactions, paper-based payments, and cards. Now, a new electronic based payment system is emerging, one of which is the Shopee pay method. Shopee pay is a digital wallet owned by Shopee and can be used to make online and offline payments On March 6, 2019 Shopee launched a new digital credit card payment feature called ShopeePayLater which was developed in collaboration with a peer-to-peer lending company, PT Lentera Dana Nusantara (LDN). Generation Z today tends to spend money more often to fulfill personal needs, such as buying clothes and various other items, without considering their overall financial situation. The purpose of this study is whether Service user behavior, and E Trust affect Personal Financial Management and how the Islamic business perspective views Personal Financial Management. The research method used is quantitative with a sample of 100 respondents, who were taken using purposive sampling technique, data analysis method using smartpls 4. The results of the research obtained directly for each variable, namely service user behavior has a positive and significant effect on personal financial management, e-trust has a positive and significant effect on personal financial management, and for the results of the F test obtained service user behavior and e-trust have a positive and significant effect on personal financial management. Keywords: E-Trust, Service User Behavior and Personal Financial Management.

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