Determinan dari perilaku masyarakat Indonesia dalam menggunakan layanan pembiayaan

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Diterbitkan: Nov 1, 2026
DOI: https://doi.org/10.28932/jmm.v26i1.15756
Kata Kunci:
actual behavior, attitude, corporate reputation, financial services, perceived behavioral control, subjective norms, willingness to use kesediaan untuk menggunakan, layanan pembiayaan, norma subjektif, perilaku aktual, persepsi kontrol perilaku, reputasi perusahaan, sikap

Isi Artikel Utama

Alexander Alexander
Department of Management, Faculty of Business, Universitas Buddhi Dharma
Keni Keni
Department of Management, Faculty of Economics and Business, Universitas Tarumanagara
Nicholas Wilson
Department of Management, Faculty of Social Sciences and Humanities, Universitas Bunda Mulia

Abstrak

Berlandaskan pada konsep Teori Perilaku Terencana, penelitian ini bertujuan untuk mengkaji serta memvalidasi faktor-faktor yang memengaruhi keinginan dan perilaku individu dalam menggunakan layanan pembiayaan untuk pembelian kendaraan. Survei digunakan sebagai metode pengumpulan data dalam studi ini dan seluruh data dari para responden dikumpulkan melalui kuesioner yang disebarkan melalui Google Forms. Adapun untuk memastikan bahwa seluruh responden yang berpartisipasi dalam studi ini telah memenuhi seluruh kriteria yang telah ditetapkan, purposive sampling diaplikasikan sebagai teknik sampling pada studi ini. Responden harus merupakan warga negara Indonesia yang pernah menggunakan layanan leasing untuk membeli kendaraan minimal satu kali dalam dua tahun terakhir. Selanjutnya, setelah melakukan pengumpulan data selama kurang lebih tiga bulan, penulis berhasil mengumpulkan 197 data. Adapun seluruh data ini kemudian dianalisis menggunakan metode partial least squares- structural equation modeling (PLS-SEM). Terkait hal ini, berdasarkan hasil penelitian yang telah diperoleh, dapat disimpulkan bahwa keempat variabel yang dihipotesiskan, yaitu sikap (attitude), reputasi perusahaan (corporate reputation), norma subjektif (subjective norms), dan persepsi kontrol perilaku (perceived behavioral control), memiliki pengaruh yang signifikan dan positif terhadap keinginan dan perilaku individu dalam menggunakan layanan pembiayaan untuk pembelian kendaraan. Adapun hasil ini mengindikasikan bahwa selain evaluasi individu terhadap layanan pembiayaan dan reputasi perusahaan yang menyediakan layanan tersebut, persepsi individu mengenai kemampuan mereka untuk memenuhi kewajiban finansial dan prosedural yang telah disepakati juga memainkan peran yang sangat penting dalam menentukan keinginan serta perilaku masyarakat dalam menggunakan layanan pembiayaan.

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Cara Mengutip
Alexander, A., Keni, K., & Wilson, N. (2026). Determinan dari perilaku masyarakat Indonesia dalam menggunakan layanan pembiayaan. Jurnal Manajemen Maranatha, 26(1), 73–94. https://doi.org/10.28932/jmm.v26i1.15756
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Vol 26 No 1 (2026): Jurnal Manajemen Maranatha
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