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"Transformasi Facebook, Instagram, dan Tiktok yang semulanya digunakan untuk bersosialisasi kini telah dimanfaatkan sebagai social commerce (s-commerce) untuk berjualan. Ketiga platform tersebut berhasil menduduki posisi s-commerce dengan popularitas tertinggi namun sayangnya belum banyak UMKM yang memanfaatkannya untuk meningkatkan proses bisnis mereka. Kebutuhan UMKM dieksplorasi menggunakan technology affordance untuk meningkatkan perilaku intensi penggunaan s-commerce dari UMKM yang kemudian diintegrasikan dengan model Innovation Diffusion Theory (IDT) untuk mengetahui faktor-faktor yang memengaruhi intensi perilaku penggunaan s-commerce pada UMKM. Penelitian ini dilakukan menggunakan pendekatan mixed-method dengan 10 responden wawancara daring dan 470 responden kuesioner dimana kedua jenis narasumber merupakan pelaku UMKM yang telah menggunakan s-commerce untuk menunjang kegiatan bisnisnya. Didapatkan lima konstruk technology affordance dari s-commerce, diantaranya adalah metavoicing, brand visibility, monitorability, customer shopping guidance, dan association. Pengolahan data dilakukan secara kuantitatif menggunakan metode Structural Equation Model Partial Least Square (PLS-SEM). Hasil analisis kuantitatif menunjukkan bahwa relative advantage, compatibility, dan complexity berhasil memengaruhi intensi perilaku penggunaan s-commerce oleh UMKM secara signifikan. Relative advantage dan complexity sama-sama dipengaruhi oleh seluruh aspek technology affordance, namun relative advantage dipengaruhi paling kuat oleh brand visibility sedangkan complexity dipengaruhi paling kuat oleh customer shopping guidance. Berbeda dengan relative advantage dan complexity, compatibility hanya memiliki tiga aspek technology affordance yang memengaruhi secara signifikan, yaitu metavoicing, brand visibility, dan customer shopping guidance. Pengembangan lanjutan dari penelitian ini dapat memperdalam kegunaan platform s-commerce serta memberikan implikasi berupa saran pengembangan fitur enhanced chat bot, katalog, dan kustomisasi ads agar dapat dikembangkan sesuai kebutuhan pengguna.

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The transformation of Facebook, Instagram and Tiktok, which were originally used for socializing, has now been used as social commerce (s-commerce) for sales. The three platforms successfully occupied s-commerce's position with the highest popularity but unfortunately not many MSME have used it to improve their business processes. MSME’s need are explored using state-of-the-art of technology affordance to build s-commerce behavior from MSME, then integrated with Innovation Diffusion Theory (IDT) models to identify factors that influence the behavioral intention to use s-commerce in MSMEs. This study was conducted using a mixed-method approach of 10 online interview respondents and 470 online questionnaire respondents whom both types of respondents are MSME actors who are likely to used s-commerce to support their business activities. Five technology affordance constructs were obtained from s-commerce, including metavoicing, brand visibility, monitorability, customer shopping guidance, and association. Furthermore, quantitative data processing used the Structural Equation Model Partial Least Square called PLS-SEM method. The results of the quantitative analysis show that relative advantage, compatibility, and complexity have succeeded in significantly influencing the behavioral intention to use s-commerce by MSMEs. Relative advantage and complexity are both influenced by all aspects of technology affordance, but relative advantage is most strongly influenced by brand visibility while complexity is most strongly influenced by customer shopping guidance. In contrast to relative advantage and complexity, compatibility has only three aspects of technology affordance that significantly affect them, namely metavoicing, brand visibility, and customer shopping guidance. Further development of this research can deepen the use of s-commerce platforms and provide implications in the form of suggestions for developing enhanced chat bot features, catalogs, and ad customization so that they can be developed according to user needs."

"Transformasi Facebook, Instagram, dan Tiktok yang semulanya digunakan untuk bersosialisasi kini telah dimanfaatkan sebagai social commerce (s-commerce) untuk berjualan. Ketiga platform tersebut berhasil menduduki posisi s-commerce dengan popularitas tertinggi namun sayangnya belum banyak UMKM yang memanfaatkannya untuk meningkatkan proses bisnis mereka. Kebutuhan UMKM dieksplorasi menggunakan technology affordance untuk meningkatkan perilaku intensi penggunaan s-commerce dari UMKM yang kemudian diintegrasikan dengan model Innovation Diffusion Theory (IDT) untuk mengetahui faktor-faktor yang memengaruhi intensi perilaku penggunaan s-commerce pada UMKM. Penelitian ini dilakukan menggunakan pendekatan mixed-method dengan 10 responden wawancara daring dan 470 responden kuesioner dimana kedua jenis narasumber merupakan pelaku UMKM yang telah menggunakan s-commerce untuk menunjang kegiatan bisnisnya. Didapatkan lima konstruk technology affordance dari s-commerce, diantaranya adalah metavoicing, brand visibility, monitorability, customer shopping guidance, dan association. Pengolahan data dilakukan secara kuantitatif menggunakan metode Structural Equation Model Partial Least Square (PLS-SEM). Hasil analisis kuantitatif menunjukkan bahwa relative advantage, compatibility, dan complexity berhasil memengaruhi intensi perilaku penggunaan s-commerce oleh UMKM secara signifikan. Relative advantage dan complexity sama-sama dipengaruhi oleh seluruh aspek technology affordance, namun relative advantage dipengaruhi paling kuat oleh brand visibility sedangkan complexity dipengaruhi paling kuat oleh customer shopping guidance. Berbeda dengan relative advantage dan complexity, compatibility hanya memiliki tiga aspek technology affordance yang memengaruhi secara signifikan, yaitu metavoicing, brand visibility, dan customer shopping guidance. Pengembangan lanjutan dari penelitian ini dapat memperdalam kegunaan platform s-commerce serta memberikan implikasi berupa saran pengembangan fitur enhanced chat bot, katalog, dan kustomisasi ads agar dapat dikembangkan sesuai kebutuhan pengguna.

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The transformation of Facebook, Instagram and Tiktok, which were originally used for socializing, has now been used as social commerce (s-commerce) for sales. The three platforms successfully occupied s-commerce's position with the highest popularity but unfortunately not many MSME have used it to improve their business processes. MSME’s need are explored using state-of-the-art of technology affordance to build s-commerce behavior from MSME, then integrated with Innovation Diffusion Theory (IDT) models to identify factors that influence the behavioral intention to use s-commerce in MSMEs. This study was conducted using a mixed-method approach of 10 online interview respondents and 470 online questionnaire respondents whom both types of respondents are MSME actors who are likely to used s-commerce to support their business activities. Five technology affordance constructs were obtained from s-commerce, including metavoicing, brand visibility, monitorability, customer shopping guidance, and association. Furthermore, quantitative data processing used the Structural Equation Model Partial Least Square called PLS-SEM method. The results of the quantitative analysis show that relative advantage, compatibility, and complexity have succeeded in significantly influencing the behavioral intention to use s-commerce by MSMEs. Relative advantage and complexity are both influenced by all aspects of technology affordance, but relative advantage is most strongly influenced by brand visibility while complexity is most strongly influenced by customer shopping guidance. In contrast to relative advantage and complexity, compatibility has only three aspects of technology affordance that significantly affect them, namely metavoicing, brand visibility, and customer shopping guidance. Further development of this research can deepen the use of s-commerce platforms and provide implications in the form of suggestions for developing enhanced chat bot features, catalogs, and ad customization so that they can be developed according to user needs."

"Transformasi Facebook, Instagram, dan Tiktok yang semulanya digunakan untuk bersosialisasi kini telah dimanfaatkan sebagai social commerce (s-commerce) untuk berjualan. Ketiga platform tersebut berhasil menduduki posisi s-commerce dengan popularitas tertinggi namun sayangnya belum banyak UMKM yang memanfaatkannya untuk meningkatkan proses bisnis mereka. Kebutuhan UMKM dieksplorasi menggunakan technology affordance untuk meningkatkan perilaku intensi penggunaan s-commerce dari UMKM yang kemudian diintegrasikan dengan model Innovation Diffusion Theory (IDT) untuk mengetahui faktor-faktor yang memengaruhi intensi perilaku penggunaan s-commerce pada UMKM. Penelitian ini dilakukan menggunakan pendekatan mixed-method dengan 10 responden wawancara daring dan 470 responden kuesioner dimana kedua jenis narasumber merupakan pelaku UMKM yang telah menggunakan s-commerce untuk menunjang kegiatan bisnisnya. Didapatkan lima konstruk technology affordance dari s-commerce, diantaranya adalah metavoicing, brand visibility, monitorability, customer shopping guidance, dan association. Pengolahan data dilakukan secara kuantitatif menggunakan metode Structural Equation Model Partial Least Square (PLS-SEM). Hasil analisis kuantitatif menunjukkan bahwa relative advantage, compatibility, dan complexity berhasil memengaruhi intensi perilaku penggunaan s-commerce oleh UMKM secara signifikan. Relative advantage dan complexity sama-sama dipengaruhi oleh seluruh aspek technology affordance, namun relative advantage dipengaruhi paling kuat oleh brand visibility sedangkan complexity dipengaruhi paling kuat oleh customer shopping guidance. Berbeda dengan relative advantage dan complexity, compatibility hanya memiliki tiga aspek technology affordance yang memengaruhi secara signifikan, yaitu metavoicing, brand visibility, dan customer shopping guidance. Pengembangan lanjutan dari penelitian ini dapat memperdalam kegunaan platform s-commerce serta memberikan implikasi berupa saran pengembangan fitur enhanced chat bot, katalog, dan kustomisasi ads agar dapat dikembangkan sesuai kebutuhan pengguna.

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The transformation of Facebook, Instagram and Tiktok, which were originally used for socializing, has now been used as social commerce (s-commerce) for sales. The three platforms successfully occupied s-commerce's position with the highest popularity but unfortunately not many MSME have used it to improve their business processes. MSME’s need are explored using state-of-the-art of technology affordance to build s-commerce behavior from MSME, then integrated with Innovation Diffusion Theory (IDT) models to identify factors that influence the behavioral intention to use s-commerce in MSMEs. This study was conducted using a mixed-method approach of 10 online interview respondents and 470 online questionnaire respondents whom both types of respondents are MSME actors who are likely to used s-commerce to support their business activities. Five technology affordance constructs were obtained from s-commerce, including metavoicing, brand visibility, monitorability, customer shopping guidance, and association. Furthermore, quantitative data processing used the Structural Equation Model Partial Least Square called PLS-SEM method. The results of the quantitative analysis show that relative advantage, compatibility, and complexity have succeeded in significantly influencing the behavioral intention to use s-commerce by MSMEs. Relative advantage and complexity are both influenced by all aspects of technology affordance, but relative advantage is most strongly influenced by brand visibility while complexity is most strongly influenced by customer shopping guidance. In contrast to relative advantage and complexity, compatibility has only three aspects of technology affordance that significantly affect them, namely metavoicing, brand visibility, and customer shopping guidance. Further development of this research can deepen the use of s-commerce platforms and provide implications in the form of suggestions for developing enhanced chat bot features, catalogs, and ad customization so that they can be developed according to user needs."

"Penelitian ini dilakukan untuk mengetahui faktor-faktor yang memengaruhi behavioral intention dari konsumen untuk dapat menggunakan layanan telemedisin khususnya pada Halodoc. Faktor-faktor yang digunakan dalam penelitian ini adalah social influence, perceived usefulness, perceived technology usage risk, dan perceived ubiquity sebagai faktor eksternal serta health anxiety dan offline consultation habit sebagai faktor internal. Selain itu, terdapat variabel perceived value dan trust yang berperan sebagai mediasi serta adanya penambahan variabel facilitating condition dan website information. Untuk menguji 13 hipotesis dalam penelitian ini, peneliti menggunakan metode penelitian single-cross sectional survey dan metode purposive sampling sehingga didapatkan data sebanyak 582 responden yang merupakan Warga Negara Indonesia berusia antara 18-60 tahun dan pernah menggunakan layanan dari Halodoc. Dari hasil pengolahan data menggunakan metode Partial Least Square- Structural Equation Method (PLS-SEM) ditemukan hanya 11 hipotesis yang diterima. Hasil tersebut menunjukkan bahwa social influence, perceived usefulness, perceived ubiquity, dan health anxiety memiliki pengaruh yang signifikan dan positif terhadap perceived value. Sedangkan, offline consultation habit memiliki pengaruh yang signifikan tetapi negatif terhadap perceived value. Kemudian social influence dan perceived ubiquity memiliki pengaruh yang signifikan dan positif terhadap trust. Namun, perceived technology usage risk tidak berpengaruh signifikan terhadap perceived value dan trust. Terakhir, perceived value, trust, facilitating condition, dan website information berpengaruh signifikan dan positif terhadap behavioral intention. Penelitian ini juga memberikan implikasi manajerial yang dapat dijadikan sebagai bahan pertimbangan dalam pengembangan layanan selanjutnya.

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This research aims to identify the factors that influence consumer behavioral intention to use telemedicine services, particularly on Halodoc. The factors used in this study are social influence, perceived usefulness, perceived technology usage risk, and perceived ubiquity as external factors, as well as health anxiety and offline consultation habit as internal factors. Additionally, the variables perceived value and trust play a mediating role, and facilitating condition and website information are included. To test 13 hypotheses in this study, the researcher employed a single-cross sectional survey method and purposive sampling, resulting in 582 respondents who are Indonesian citizens aged between 18-60 years and have used Halodoc services. Using Partial Least Square- Structural Equation Method (PLS-SEM), it was found that only 11 hypotheses were accepted. The results show that social influence, perceived usefulness, perceived ubiquity, and health anxiety have significant and positive effects on perceived value. Offline consultation habit has a significant but negative effect on perceived value. Social influence and perceived ubiquity also have significant and positive effects on trust. However, perceived technology usage risk does not have a significant effect on perceived value and trust. Finally, perceived value, trust, facilitating condition, and website information have significant and positive effects on behavioral intention. This study also provides managerial implications that can be used as a consideration in the development of subsequent services."

"UMKM (Usaha Mikro, Kecil, dan Menengah) memainkan peran penting dalam perekonomian Indonesia. E-commerce memiliki banyak keuntungan bagi UMKM yang meliputi keunggulan kompetitif, pangsa pasar yang lebih besar dan layanan pelanggan yang lebih baik, antara lain. Pengguna Indonesia sudah mahir dengan e-commerce namun sayangnya baru 19% UMKM Indonesia yang mengadopsi e-commerce. Penelitian ini mengkaji variabel-variabel yang mempengaruhi adopsi teknologi e-commerce pada UMKM Indonesia dengan menggunakan Technology Acceptance Model, Technology Organization Environment (TOE) framework dan Diffusion of Innovation (DOI) Theory. Kuesioner survei dilakukan untuk mengumpulkan data dari 260 pemilik UMKM di industri makanan dan minuman yang telah atau belum mengadopsi teknologi e-commerce untuk bisnisnya. Hasilnya dihitung menggunakan regresi logistik dan Relative Importance Index (RII) untuk mendapatkan variabel mana yang relevan dalam adopsi e-commerce di UMKM Indonesia. Dari penelitian terungkap bahwa keuntungan relatif, manfaat yang dirasakan, keamanan, pengetahuan TI karyawan dan dukungan pemerintah memiliki pengaruh penting dalam adopsi e-commerce bagi pemilik UMKM. Strategi adopsi e-commerce direkomendasikan berdasarkan hasil penelitian.

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MSMEs (Micro, Small, and Medium Enterprises) play a significant role in Indonesia's economy. E-commerce has many advantages for MSMEs which includes competitive advantage, greater market share and better customer service, among others. Indonesian users are already proficient with e-commerce but unfortunately only 19% of Indonesian MSMEs have adopted e-commerce. This research investigates the variables that influence e-commerce technology adoption in Indonesian MSMEs using Technology Acceptance Model, Technology Organization Environment (TOE) framework and Diffusion of Innovation (DOI) Theory. A survey questionnaire was conducted to collect data from 260 MSME owners in the food and beverage industry who have or have not adopted e-commerce technology for their business. The result was calculated using logistic regression and Relative Importance Index (RII) to get which variables are relevant in e-commerce adoption in Indonesia MSMEs. From the research, it is revealed that relative advantage, perceived usefulness, security, employee’s IT knowledge and government’s support have a crucial influence in e-commerce adoption for MSME owners. An e-commerce adoption strategy was recommended based on the study’s results."

"Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki dampak yang cukup besar bagi perekonomian Indonesia, namun dalam mengembangkan usahanya masih menghadapi banyak kendala, termasuk masalah permodalan. Mereka berjuang dalam pembiayaan bisnis mereka karena persyaratan kompleks yang diperlukan untuk mendapatkan pendanaan tradisional dari bank. Oleh karena itu, financial technology peer-to-peer (P2P) lending hadir sebagai salah satu alternatif pendanaan UMKM. Namun, masih rendahnya adopsi P2P lending oleh UMKM. Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi niat adopsi P2P lending oleh UMKM sebagai peminjam yang perlu mendapat perhatian prioritas untuk mendukung perkembangan UMKM di Indonesia. Hasil kajian tersebut diharapkan dapat mendukung pemerintah dalam menyusun strategi pengembangan P2P lending. Analisis hasil menemukan bahwa faktor utama Ekspektasi Kinerja merupakan faktor utama yang paling penting dan Efektivitas merupakan subfaktor yang paling penting dalam mempengaruhi niat adopsi P2P lending oleh UMKM.

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Micro, Small, and Medium Enterprises (MSMEs) have a substantial impact on Indonesia's economy, and yet they are facing many problems in developing their businesses, including capital problems. Financial technology of peer-to-peer (P2P) lending comes as an alternative for funding MSMEs. However, there is still a low adoption of P2P lending by MSMEs. This research aims to investigate the factors influencing adoption intention of P2P lending by MSMEs as borrowers that need priority attention to support the development of MSMEs in Indonesia. The findings

of the study are expected to support the government in developing strategies for P2P lending development. The analysis of the result finds that the main factor of Performance Expectancy and subfactor of Effectiveness are the most important factor in influencing the adoption intention of P2P lending by MSMEs."

"TikTok live shopping merupakan suatu platform belanja secara real-time dimana streamer dapat terhubung dan berinteraksi dengan pembeli secara langsung melalui konten live streaming pada TikTok. Platform live stream commerce ini sedang naik tren, namun masih sedikit penelitian yang membahas faktor-faktor yang memengaruhi perilaku pembelian impulsif di platform ini. Pembelian impulsif merupakan hal yang penting karena dinilai sebagai salah satu kunci kesuksesan transaksi pada e-commerce. Oleh karena itu, penelitian ini mencoba untuk mencari tahu faktor-faktor apa saja yang memengaruhi pembelian impulsif menggunakan teori flow dan parasocial relationship.Pada penelitian ini, faktor technology affordance dan faktor stream dimension dipilih sebagai anteseden dari flow untuk mengetahui apakah teknologi pada TikTok live shopping dapat memengaruhi perilaku pengguna. Sementara itu, source credibility model dipilih sebagai anteseden dari teori parasocial relationship untuk mengetahui apakah faktor eksternal dapat memengaruhi perilaku pengguna. Penelitian dilakukan menggunakan metode campuran dengan pendekatan kuantitatif dan kualitatif. Pendekatan kuantitatif dilakukan dengan metode covariance-based structural equation modelling (CB-SEM) dengan menggunakan survei daring yang diisi oleh 608 responden valid. Pendekatan kualitatif dengan wawancara telah dilakukan kepada sepuluh responden untuk memvalidasi hasil kuantitatif. Hasil analisis membuktikan bahwa teori flow dan parasocial relationship memberikan pengaruh signifikan terhadap perilaku pembelian impulsif; semua faktor pada source credibility model memengaruhi parasocial relationship; dan hanya perceived effortlessness serta interactivity yang memberikan pengaruh pada flow. Penelitian ini berimplikasi teoretis dengan mengisi kekosongan penelitian mengenai pembelian impulsif pada live stream commerce khususnya TikTok live shopping. Penelitian ini memiliki implikasi praktis bagi pelaku industri live stream commerce untuk mengimplementasi fitur yang sesuai dan mengatur strategi bisnis yang tepat.

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TikTok live shopping is a real-time shopping platform where streamers can connect and interact with buyers directly through live streaming content on TikTok. There are still not many studies that discuss the factors that influence impulsive buying behavior on TikTok live shopping. “E-commerce live streaming” is regarded as the latest trend of e-commerce, and impulse buying is a key factor in the success of transactions. Therefore, this study tries to determine what factors influence impulsive buying using the flow theory and parasocial relationships. In this study, the technology factor (technology affordance) and the stream dimension factor were chosen as the antecedents of flow to find out whether technology in TikTok live shopping can affect user behavior. Meanwhile, the source credibility model was chosen as an antecedent of the parasocial relationship theory to determine whether external factors can influence user behavior. The research was conducted using mixed methods with quantitative and qualitative approaches. The quantitative approach was carried out using the covariance-based structural equation modeling (CB-SEM) method using an online questionnaire survey and a total of 608 valid questionnaires were collected. The qualitative approach using interviews have been conducted to 10 respondents to validate the quantitative results. Research results show that flow and parasocial relationship theory have a significant influence on impulsive buying behavior; all factors in the source credibility model affect parasocial relationships; and only perceived effortlessness and interactivity have an effect on flow. This research provides theoretical implications by completing the research gap regarding impulse buying on live stream commerce, especially TikTok live shopping. This research provides practical implications for live stream commerce industry stakeholders to implement appropriate features and set the right business strategy."

"TikTok live shopping merupakan suatu platform belanja secara real-time dimana streamer dapat terhubung dan berinteraksi dengan pembeli secara langsung melalui konten live streaming pada TikTok. Platform live stream commerce ini sedang naik tren, namun masih sedikit penelitian yang membahas faktor-faktor yang memengaruhi perilaku pembelian impulsif di platform ini. Pembelian impulsif merupakan hal yang penting karena dinilai sebagai salah satu kunci kesuksesan transaksi pada e-commerce. Oleh karena itu, penelitian ini mencoba untuk mencari tahu faktor-faktor apa saja yang memengaruhi pembelian impulsif menggunakan teori flow dan parasocial relationship.Pada penelitian ini, faktor technology affordance dan faktor stream dimension dipilih sebagai anteseden dari flow untuk mengetahui apakah teknologi pada TikTok live shopping dapat memengaruhi perilaku pengguna. Sementara itu, source credibility model dipilih sebagai anteseden dari teori parasocial relationship untuk mengetahui apakah faktor eksternal dapat memengaruhi perilaku pengguna. Penelitian dilakukan menggunakan metode campuran dengan pendekatan kuantitatif dan kualitatif. Pendekatan kuantitatif dilakukan dengan metode covariance-based structural equation modelling (CB-SEM) dengan menggunakan survei daring yang diisi oleh 608 responden valid. Pendekatan kualitatif dengan wawancara telah dilakukan kepada sepuluh responden untuk memvalidasi hasil kuantitatif. Hasil analisis membuktikan bahwa teori flow dan parasocial relationship memberikan pengaruh signifikan terhadap perilaku pembelian impulsif; semua faktor pada source credibility model memengaruhi parasocial relationship; dan hanya perceived effortlessness serta interactivity yang memberikan pengaruh pada flow. Penelitian ini berimplikasi teoretis dengan mengisi kekosongan penelitian mengenai pembelian impulsif pada live stream commerce khususnya TikTok live shopping. Penelitian ini memiliki implikasi praktis bagi pelaku industri live stream commerce untuk mengimplementasi fitur yang sesuai dan mengatur strategi bisnis yang tepat.

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TikTok live shopping is a real-time shopping platform where streamers can connect and interact with buyers directly through live streaming content on TikTok. There are still not many studies that discuss the factors that influence impulsive buying behavior on TikTok live shopping. “E-commerce live streaming” is regarded as the latest trend of e-commerce, and impulse buying is a key factor in the success of transactions. Therefore, this study tries to determine what factors influence impulsive buying using the flow theory and parasocial relationships. In this study, the technology factor (technology affordance) and the stream dimension factor were chosen as the antecedents of flow to find out whether technology in TikTok live shopping can affect user behavior. Meanwhile, the source credibility model was chosen as an antecedent of the parasocial relationship theory to determine whether external factors can influence user behavior. The research was conducted using mixed methods with quantitative and qualitative approaches. The quantitative approach was carried out using the covariance-based structural equation modeling (CB-SEM) method using an online questionnaire survey and a total of 608 valid questionnaires were collected. The qualitative approach using interviews have been conducted to 10 respondents to validate the quantitative results. Research results show that flow and parasocial relationship theory have a significant influence on impulsive buying behavior; all factors in the source credibility model affect parasocial relationships; and only perceived effortlessness and interactivity have an effect on flow. This research provides theoretical implications by completing the research gap regarding impulse buying on live stream commerce, especially TikTok live shopping. This research provides practical implications for live stream commerce industry stakeholders to implement appropriate features and set the right business strategy."

"Kemajuan teknologi finansial menjadi salah satu faktor yang mendorong pertumbuhan keuangan syariah. Teknologi finansial mengembangkan sebuah konsep, peer-to-peer lending, yang membuka akses pada layanan keuangan tanpa intermediasi perbankan tradisional. Namun, data menunjukkan bahwa pangsa pasar peer-to-peer lending syariah masih sangat kecil dibanding industri peer-to-peer lending secara keseluruhan. Oleh karena itu, diperlukan usaha lebih jauh untuk meningkatkan pangsa pasar peer-to-peer lending syariah. Penelitian ini mencoba untuk memahami faktor-faktor yang memengaruhi intensi perilaku pengguna (pemberi pendanaan/funder) untuk menggunakan peer-to-peer lending syariah dengan pendekatan Unified Theory of Acceptance and Use of Technology 2 (UTAUT 2). Menggunakan metode ­judgment sampling, 157 pengguna peer-to-peer lending syariah sebagai responden. Penelitian ini dilakukan dengan menggunakan metode Partial Least Square – Structural Equation Modelling (PLS-SEM) dengan bantuan perangkat SmartPLS 3.0 untuk menguji model yang diusulkan. Hasil menunjukkan bahwa performance expectancy, price value, dan habit memiliki pengaruh secara positif terhadap intensi perilaku untuk menggunakan peer-to-peer lending syariah, dimana performance expectancy memberi pengaruh paling besar

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Financial technology advances become one of factors that encourages the growth of Islamic finance. Financial technology developed a concept, peer-to-peer lending, that enables access to funding without the role of financial institutions such as banks. However, data shows that market share of Islamic peer-to-peer lending is still very small compared to the peer-to-peer lending industry as a whole. Therefore, further efforts are needed to increase the market share of Islamic peer-to-peer lending. This study attempts to understand factors influencing behavioral intention of users (as a funders) to use Islamic peer-to-peer lending with the Unified Theory of Acceptance and Use of Technology 2 (UTAUT 2) approach. Using the judgment sampling method, 157 Islamic peer-to-peer lending users were collected as respondents. This research was conducted using the Partial Least Square - Structural Equation Modeling (PLS-SEM) method and use SmartPLS 3.0 software to test the proposed model. The results show that performance expectancy, price value, and habit have a positive influence on behavioral intention to use Islamic peer-to-peer lending, where performance expectancy has the biggest influence."

"Usaha Mikro, Kecil, dan Menengah mempunyai peran besar dan memiliki potensi sebagai alat penunjang dalam pertumbuhan ekonomi nasional. Perbankan masih dianggap kurang dalam menyalurkan kredit kepada UMKM. Bank Syariah dapat dijadikan sebagai alternatif bagi perkembangan UMKM untuk memecahkan masalah akses pembiayaan karena saat ini pembiayaan yang disalurkan oleh bank syariah didominasi oleh pembiayaan kepada UMKM. Dengan pertimbangan tersebut maka tujuan penelitian ini adalah membahas mengenai faktor-faktor yang mempengaruhi pembiayaan yang disalurkan oleh bank syariah di Indonesia. Data Penelitian ini diolah menggunakan program Eviews 6.0 dengan metode data panel dan hasil penelitian menjelaskan ROA, NPF, dan PDB tidak mempengaruhi porsi pembiayaan mikro, kecil, dan menengah yang disalurkan sedangkan ukuran bank (size) signifikan mempengaruhi dengan prob. sebesar 0.0002.

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Micro, Small and Medium Enterprises has a big role and has potential as a means of supporting the growth of the national economy. Banking is still considered to be less in lending to MSMEs. Islamic Banking can be used as an alternative for the development of SMEs to solve the problem of access to financing due to the current financing disbursed by Islamic banks dominated financing to SMEs. with these considerations, the aim of this study is to discuss the factors that influence the financing disbursed by Islamic banks in Indonesia.

The research data was processed using Eviews 6.0 program with panel data methods and results of the study describes the ROA, NPF, and GDP does not affect the portion of financing micro, small, and medium enterprises. Whereas bank size (size) significantly positive affect with a probability of 0.0002."