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Abstrak :
Penelitian ini bertujuan untuk menganalisis dimensi pembentuk customer value dan pengaruhnya terhadap intensi perilaku baik secara langsung maupun tidak langsung melalui kepuasan. Dimensi pembentuk customer value yang diteliti adalah : fungsional, sosial, emosional, dan spiritual. Penelitian ini dilakukan pada 279 mahasiswa sebagai nasabah bank syariah. Hasil penelitian ini menunjukkan bahwa dimensi emosional diikuti dimensi spiritual merupakan dimensi yang paling besar kontribusinya membentuk customer value. Selain itu, hasil penelitian menunjukkan bahwa customer value memiliki pengaruh secara langsung yang lebih besar dibandingkan dengan pengaruh secara tidak langsungnya melalui mediasi kepuasan terhadap intensi perilaku. Penelitian ini juga memperlihatkan bahwa terdapat perbedaan kontribusi dimensi pembentuk customer value pada kelompok nasabah yang berbeda. ......This study aims to analyze the dimensions of customer value and its effect on behavior intention, both directly and indirectly through satisfaction. Forming customer value dimensions examined are: functional, social, emotional, and spiritual. The study was conducted on 279 students as customers of Islamic banks. The results of this study indicate that the emotional dimension and followed by spiritual dimension are the dimension with the greatest contributions to establish customer value. In addition, the results showed that customer value has a direct effect greater than the indirect effect through the mediation of satisfaction to behavioral intentions. The study also shows that there are different dimensions contribute to forming customer value of different customer groups.

Abstrak :
ABSTRACT
Penelitian ini menguji pengaruh intensi perilaku hidup sehat terhadap minat pembelian produk kesehatan bear brand gold white tea di jakarta. Dimensi intensi perilaku yang digunakan yang digunakan adalah sikap, norma subjektif dan perceived control behaviour berdasarkan dari theory of planned behaviour. Penelitian ini menggunakan pendekatan kuantitatif, dan data penelitian dikumpulkan melalui survei dengan menyebarkan kuesioner kepada 100 orang responden yang mengetahui dan berminat dalam perilaku hidup sehat dan tidak pernah membeli produk kesehatan bear brand gold white tea. Teknik analisis yang digunakan adalah regresi linear sederhana. Hasil penelitian menunjukkan bahwa intensi perilaku hidup sehat memilik pengaruh yang signifikan dan kuat terhadap minat pembelian produk kesehatan dan dimensi sikap adalah dimensi yang paling dominan mempengaruhi minat pembelian.

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ABSTRACT
This study examined the effect of intentions on healthy living behavior on the interest in purchasing health products for bear brand gold white tea in jakarta. The dimensions of behavioral intentions used are attitudes, subjective norms and perceived control behavior based on the theory of planned behavior. This study used a quantitative approach, and research data was collected through surveys by distributing questionnaires to 100 respondents who know and was interested in healthy living behavior and never buy Bear Brand Gold White Tea product. The analysis technique used simple linear regression. The results showed that the intention of healthy living behavior had a significant and strong influence on purchase interest and the attitude dimension was the most dominant dimension influencing purchase interest.

Abstrak :
Bus merupakan salah satu moda transportasi yang paling diminati masyarakat Indonesia, namun angka kecelakaan bus di Indonesia cukup tinggi. Kondisi jalanan yang macet, membuat frustasi dan stress menjadi pemicu perilaku pengemudi bus yang berisiko dan berbahaya seperti perilaku aggressive driving. Hal ini merupakan salah satu faktor penyebab kecelakaan. Penelitian ini bertujuan untuk mengetahui hubungan antara persepsi risiko kecelakaan dengan intensi perilaku pengemudi bus Antar Kota Antar Propinsi (AKAP) di PO “X” tahun 2015. Pengumpulan data dilakukan secara cross sectional dengan menggunakan instrumen kuesioner Driver Stress Inventory (DSI), Driver Coping Questionnairre (DCQ), dan kuesioner persepsi risiko. Hasil yang diperoleh secara umum persepsi risiko kecelakaan pengemudi bus AKAP memiliki kecenderungan baik (60,5%) di atas rata-rata populasi penelitian, hasil pengukuran intensi perilaku untuk parameter yang bersifat positif (meningkatkan keselamatan) antara lain hazard monitoring, fatigue proneness, task focus, dan reappraisal cenderung sedang pada rata-rata populasi penelitian. Sedangkan pengukuran intensi bersifat negatif (meningkatkan risiko kecelakaan) antara lain agresi, dislike of driving, confrontive coping, emotional focus, dan avoidance memperoleh hasil kecenderungan sedang pada rata-rata populasi penelitian, namun variabel thrill seeking dengan kecenderungan tinggi diatas rata-rata populasi penelitian.

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Bus is one of the most favored mode of transportation the people of Indonesia, but the number of bus accidents in Indonesia is quite high. Traffic jam, frustrating and stressful situations to trigger bus driver risky behavior and dangerous as aggressive driving behavior. This is one of the causes of accidents. This study aims to determine the relationship between risk perception and behavior intention of bus driver inter-city inter-province (AKAP) in the PO "X" in 2015. The data was collected with cross sectional approach using questionnaire Driver Stress Inventory (DSI), Driver Coping Questionnairre (DCQ), and risk perception questionnaire. The results obtained accidents risks perception of AKAP bus driver generally had a good tendency (60.5%) above the average of the population study, results for positive parameters (increased safety) of the behavioral intention measurement, among others hazard monitoring, fatigue proneness, task focus, and reappraisal likely to moderate in the population study average. While the measurement of negative intentions (increasing the risk of accidents) among others aggression, dislike of driving, confrontive coping, emotional focus, and avoidance obtain results tendencies were on average the population study, however thrill-seeking variables with a high propensity above the average population study.

Abstrak :
Pemberitaan Covid-19 penting khususnya agar masyarakat mendapatkan informasi dan membuat keputusan tepat untuk menghindari paparan virus corona. Akan tetapi penelitian terdahulu mengatakan pesan negatif (undesirable) seperti berita Covid-19 yang tersebar di media sosial atau social networking sites (SNS) dapat menimbulkan third-person perception (TPP), yakni khalayak berpersepsi bahwa berita tersebut lebih mempengaruhi orang lain dibandingkan diri mereka sendiri. Hal ini penting diperhatikan karena TPP digagaskan mempengaruhi intensi melakukan perilaku preventif protokol kesehatan 6M yaitu: 1.) memakai masker; 2.) mencuci tangan; 3.) menjaga jarak; 4.) menghindari kerumunan; 5.) mengurangi mobilitas; 6.) dan mengindari makan bersama. Penelitian terdahulu menemukan bukti empiris bahwa cara khalayak menggunakan berita Covid-19 di SNS (konsumsi, kontribusi dan kreasi konten berita Covid-19) dapat mengurangi TPP dan juga memiliki hubungan dengan intensi perilaku preventif. Selain itu, relevansi pribadi khalayak terhadap berita Covid-19 (seberapa penting, bermakna dan berkonsekuensi berita pandemi terhadap khalayak) juga digagaskan dapat mengurangi TPP dan berhubungan positif dengan intensi perilaku preventif. Maka digagaskan bahwa tipe penggunaan SNS dan relevansi pribadi memiliki hubungan langsung dengan intensi perilaku preventif; dan hubungan tidak langsung dengan TPP berperan sebagai mediator. Untuk menguji hipotesis tersebut, dilaksanakan penelitian berjenis eksplanatif dengan paradigma positivistik dan pendekatan kuantitatif. Penelitian ini menggunakan quota sampling untuk memperoleh 400 responden dengan karakteristik berdomisili di lima kotamadya DKI Jakarta, berjenis kelamin laki-laki dan perempuan, dewasa usia produktif 17-64 tahun dan menggunakan media sosial (Whatsapp, Line, Telegram, Twitter, Tiktok, Youtube, Instagram, Facebook, dan Linkedin) baik untuk aktivitas sehari-hari maupun mendapatkan berita Covid-19. Data diperoleh melalui survei daring dan diolah dengan program SPSS untuk analisis deskriptif dan partial least square structural equation modelling (PLS-SEM) untuk analisis model serta pengujian hipotesis. Berdasarkan paired sample t-test, nilai rata-rata indikator pengaruh berita Covid-19 terhadap ‘orang lain’ lebih besar daripada indikator pengaruh terhadap ‘saya’ sehingga menandakan adanya TPP. Berdasarkan analisis model struktural, TPP tidak mempengaruhi intensi perilaku preventif secara signifikan. Meski begitu, secara umum responden ‘setuju’ berniat menjalankan protokol kesehatan 6M. TPP juga tidak terbukti memediasi hubungan konsumsi, kontribusi dan kreasi dengan intensi perilaku preventif. Selain itu TPP juga tidak memediasi hubungan relevansi pribadi terhadap perilaku preventif. Relevansi pribadi didapati sebagai variabel penting karena memiliki hubungan negatif signifikan dengan TPP dan memiliki hubungan positif dengan intensi perilaku preventif......News coverage on Covid-19 is of public importance as it provides people with important updates as well as information crucial for avoiding infection. Previous studies have shown undesirable messages such as Covid-19 news that circulates in social networking sites (SNS) can trigger ‘third-person perception’, which is a phenomenon in which audiences presume a message exerts more influence upon people other than themselves. It is crucial to examine whether audiences experience TPP during consumption of pandemic news – especially when there is a possible negative correlation between TPP and protective behavior intentions. In the case of Covid-19 pandemic, preventive behavior is 6M health protocol that includes: 1.) wear masks; 2.) wash hands; 3.) keep physical distance; 4.) avoid crowds; 5.) decrease mobility; 6.) avoid eating together public spaces. Previous studies showed empirical evidence that how users use Covid-19 news in SNS (consume, contribute or create) could reduce TPP and also is correlated with preventive behavior intentions. Furthermore, personal relevance of pandemic news (important, meaningful & has consequences) is said to have negative relationship with TPP but has positive relationship with preventive behavior intentions. This suggests that three types of SNS usage and personal relevance have direct relationship with protective behavior intentions, as well as indirect relationship with TPP as mediator. To test these hypotheses, explanatory research of a positivistic paradigm and a quantitative approach is administered. This research utilizes quota sampling to collect data from 400 respondents through online questionnaire. Samples have the characteristics of living in five DKI Jakarta municipalities, of both sexes, between 17-64 years of age and uses SNS for daily activities as well as receiving news on Covid-19 (Whatsapp, Line, Telegram, Twitter, Tiktok, Youtube, Instagram, Facebook & Linkedin). SPSS is used to perform descriptive analysis and paired sample t-test, while partial least square structural equation modelling (PLS-SEM) is used to analyze inner & outer model. Through paired sample t-test, respondents experience TPP as is evidenced by the mean value of influence of Covid-19 news towards ‘others’ is larger than that of influence towards ‘self’. However, based on structural analysis, there is no significant relationship between TPP and preventive behavior intentions despite respondents having to ‘agree’ to have intentions to follow 6M health protocol. Analyses also presented no support for the hypotheses that TPP mediates the indirect correlation of consumption, contribution and creation with preventive behavior intensions. There is also no evidence that TPP mediates indirect relationship of personal relevance and preventive behavior intensions. Personal relevance is found to be an important construct as it has a positive influence toward preventive behavior intentions and has a negative relationship with TPP.

Abstrak :
Indonesia memiliki potensi bisnis retail yang baik di kalangan negara berkembang dan di prediksi untuk terus berkembang di masa depan. Ditambah dengan karakteristik konsumen Indonesia yang lebih memilih dan mencintai produk lokal, hal ini seharusnya menjadi pertanda baik bagi para entrepreneur untuk menjalani bisnis retail di Indonesia. Namun, pada kenyataannya masih banyak retailer yang mengalami kerugian dan menutup bisnisnya karena penjualan yang terus menurun. Hal ini menjadi alasan perlunya penggunaan strategi diferensiasi seperti menggunakan aspek servicescape untuk mensiasati persaingan dan meraih loyalitas konsumen. Penelitian ini bertujuan untuk menganalisa pengaruh persepsi servicescape terhadap service quality dan behavioral intention pada Goods Dept. Penelitian ini berbentuk conclusive design, descriptive research, dan single cross-sectional design. Teknik sampling yang digunakan adalah non-probability sampling yaitu judgment sampling. Responden penelitian ini adalah pengunjung Goods Dept yang berdomisili di Jabodetabek yang telah melakukan interaksi dengan karyawan Goods Dept serta memperhatikan lingkungan fisik dan desain tempat di sekelilingnya. Data diolah menggunakan metode Structural Equation Modeling. Hasil penelitian ini menunjukkan bahwa servicescape memiliki pengaruh positif terhadap employee service quality, overall service quality, dan behavioral intention. Di sisi lain, employee service quality juga memiliki pengaruh positif terhadap overall service quality. Serta overall service quality juga memiliki pengaruh positif terhadap behavioral intention. Kedua variabel employee service quality dan overall service quality juga masing-masing memediasi hubungan antara servicescape dan overall service quality serta servicescape dan behavioral intention. ......Indonesia have good potential in retail business section among the developing countries and it is projected to keep developing in the future. With Indonesia rsquo s consumer characteristic which more likely want to choose and love local products, this should have become a good signal for entrepreneur to conduct retail businesses in Indonesia. However, in reality there are still a lot of retailers who suffer from loss and close its business because of the keep decreasing sales. This matter becomes a reason why entrepreneurs need another differentiation strategy such as using servicescape aspect to be able to compete in the market and gain consumer loyalty. This study aims to analyze the effect of servicescape perception towards behavioral intention using service quality as mediating variable in Goods Dept. Goods Dept is a retail business with the concept of curated department store operating in Indonesia. The design of this study are conclusive design, descriptive research, and single cross sectional design. While the sampling method being used in this study is a non probability sampling with judgment sampling technique. The respondents of this study are Goods Dept visitors who live in Jabodetabek region, have interacted with Goods Dept rsquo s employees while also pay attention to Goods Dept rsquo s service environment and design. The data were analyzed using Structural Equation Modeling method. The result of this research shows that servicescape have positive effect towards employee service quality, overall service quality, and behavioral intention. On the other side, employee service quality also have positive effect towards overall service quality and overall service quality have positive effect towards behavioral intention. Both employee service quality and overall service quality are also proven to be mediating variables between servicescape overall service quality and servicescape ndash behavioral intention.

Abstrak :
Latar belakang: Penggunaan media sosial di kalangan pelaku praktik kedokteran gigi marak dilakukan di seluruh dunia, termasuk Indonesia. Fenomena pelanggaran e-profesionalisme telah dilaporkan dalam literatur dan dapat diamati dalam kehidupan sehari-hari. Timbulnya ekspektasi pasien yang terlalu tinggi atau tidak logis terhadap perawatan, termasuk di bidang Prostodonsia, semakin marak terjadi. Terlebih lagi, definisi e-profesionalisme di Indonesia masih merupakan perdebatan. Minimnya aturan tentang penggunaan media sosial untukpelaku praktik kedokteran gigi di Indonesia menyebabkan tidak jelasnya batas tindakan profesional dalam bermedia sosial. Tujuan: Mengetahui preferensi, intensi dan perilaku penggunaan media sosial di kalangan pelaku praktik kedokteran gigi di Indonesia. Metode: Studi dilakukan dengan menggunakan kuesioner kepada tiga kelompok subjek, yaitu dokter gigi spesialis, dokter gigi umum dan mahasiswa koas. Studi kualitatif melalui wawancara singkat dilakukan pada 8 orang perwakilan kelompok subjek tersebut untuk memperkaya item kuesioner dari literatur. Diskusi pakar dilakukan untuk merumuskan item kuesioner yang menyusun domain preferensi, intensi dan perilaku bermedia sosial. Validasi kuesioner dilakukan melalui uji coba kuesioner kepada 30 orang perwakilan kelompok subjek. Kuesioner disebarkan melalui media sosial ke 450 responden dari ketiga kelompok subjek. Hasil penelitian dianalisis secara deskriptif. Hasil: Pelaku praktik kedokteran gigi di Indonesia dari setiap kelompok generasi menggunakan media sosial 1-3jam/ hari. Platform yang paling banyak digunakan adalah Whatsapp, Instagram dan YouTube. Tujuan utama mereka adalah mencari hiburan dan jenis konten yang paling banyak dibagikan adalah update kehidupan pribadi. Mayoritas responden memasang pengaturan privasi untuk mengatasi hambatan berupa ancaman terhadap keamanan data. Mereka percaya bahwa penggunaan media sosial dapat memberikan informasi dan memperluas jaringan sosial, namun menyita waktu. Pelaku praktik kedokteran gigi di Indonesia menganggap konten iklan/promosi berisi kalimat ajakan, diskon, harga, dan dokter gigi sebagai duta merk termasuk sebagai kategori konten yang tidak profesional. Banyaknya konten promosi yang beredar di media sosial memicu pemilihan sikap netral responden dalam menentukan sikap e-profesionalisme terhadap konten promosi. Organisasi profesi dianggap belum memberikan aturan yang memadai, terutama dalam hal pengaturan tata cara beriklan di media sosial. Konten restorasi direk kedokteran gigi merupakan konten utama yang banyak dilihat di media sosial. Bidang Prostodonsia merupakan bidang yang terdampak tertinggi kedua oleh adanya media sosial. Tingkat kekhawatiran terhadap dampak dari media sosial pada citra diri, citra institusi profesi dan karir meningkat seiring meningkatnya pendidikan. Pada kelompok subjek dengan tingkat pendidikan dan usia yang lebih tinggi, cresponden cenderung tidak terpengaruh oleh media sosial dalam mendiagnosis/menentuka rencana perawatan Kesimpulan: Preferensi pelaku praktik kedokteran gigi terhadap penggunaan media sosial tergambarkan melalui pemahaman terhadap faktor sosiodemografis, kepercayaan terhadap penggunaan media sosial, pemberlakuan aturan penggunaan media sosial, serta sikap e-profesionalisme dalam bermedia sosial. Preferensi, Intensi dan Perilaku bermedia sosial di setiap kelompok generasi cenderung sama. Setiap kelompok generasi cenderung memilih sikap netral terhadap konten promosi di media sosial. Aturan tentang tata cara beriklan di media sosial merupakan salah satu aturan yang dirasakan perlu untuk diterapkan di Indonesia. Preferensi dan intensi bermedia sosial di kalangan pelaku praktik kedokteran gigi di Indonesia selaras dan dapat menggambarkan perilaku mereka dalam bermedia sosial. ......Background: The use of social media among dental practitioners is rife worldwide, including in Indonesia. Violation of e-professionalism has been reported in the literature and easily observed. Unrealistic patient expectations for treatment result, especially in Prosthodontics, is increasing across the board. Furthermore, the definition of e-professionalism in Indonesia is still a debate. The lack of regulations regarding the use of social media among Indonesian dental practitioners has led to blurry boundaries between professional and unprofessional actions. Objective: To find out about preferences, intentions, and behavior of social media usage among dental practitioners in Indonesia. Methods: The study was conducted using a questionnaire among three groups, including specialist dentists, general dentists and dental students. A qualitative study was conducted through interviews with eight representatives to enrich the questionnaire items found in a literature search. Expert panel discussions were held to determine questionnaire items that build the preferences, intentions, and behavior domains on social media usage. Questionnaire validation was performed by testing the questionnaire on 30 representatives of the subject group. The questionnaire was spread-out through social media with a target of 450 respondents. The research results were analyzed descriptively using statistic software. Results: Dental practitioners in Indonesia from each generation group use social media for 1-3 hours/day regardless of the various sociodemographic factors behind it. The most used platforms are Whatsapp, Instagram, and YouTube. Their main goal and most shared digital content are to seek entertainment and personal life updates. Most respondents install privacy settings to overcome obstacles in the form of threats to data security. They believe that social media can provide information and broaden social networks, yet it is time-consuming. Dental practitioners in Indonesia consider advertising/promotional content that incorporates solicitations, discounts, prices, and dentists as brand ambassadors included as unprofessional content. The widely shared promotional content on social media triggers respondents' neutral attitude in determining e-professionalism towards promotional content. Indonesian Dental Association is considered not to provide adequate rules, especially in regulating advertising procedures on social media. The prosthodontics sector is the second highest affected dental field by social media. Higher levels of education shows increase of concern over social media's effects on career, professional institutions, and self-image. With increasing age and educational level, there was a decline in the proportion of respondents who acknowledged that social media had influenced their diagnosis or development of treatment plans. Conclusion: Dental practitioners' preference for using social media is illustrated by understanding their sociodemographic factors, belief in the use of social media, regulations, and attitudes towards e-professionalism. Social media preferences, intentions, and behavior in each generation group tend to show the same result. Each generation group tends to choose a neutral attitude towards promotional content on social media. Indonesian Dental practitioners demand regulation on how to advertise on social media. Social media preferences and intentions among dental practitioners in Indonesia are in conjunction and explaining their behavior in social media.

Abstrak :
ABSTRAK
Saat ini popularitas program acara televisi sedang meningkat. Program hiburan ini menarik perhatian pemirsa karena didominasi oleh permainan dan biasanya melibatkan aktivitas fisik peserta kompetisi game show. Lokasi acara syuting juga bervariasi, termasuk destinasi wisata bertema petualangan yang melibatkan keindahan alam. Penelitian ini menggunakan studi eksperimen untuk mengukur intensi perilaku pemirsa game show terhadap wisata petualangan yang tayang dalam program tersebut. Penelitian ini membuktikan jika hubungan keterlibatan pemirsa dan intensi perilaku untuk melakukan perjalanan ke destinasi wisata dimediasi oleh citra kogntif dan citra afektif. Secara khusus, citra kogntif dapat secara signifikan berkorelasi dengan citra afektif, dan keduanya menyebabkan dengan intensi perilaku. Media televisi berkaitan dengan keberjalanan proses psikologis, sehingga ditemukan bahwa keterlibatan penonton menyebabkan intensi perilaku pemirsa. Sementara itu, gambar destinasi wisata memediasi hubungan ini, yaitu gambar yang memberikan persepsi citra kogntif dan citra afektif, sehingga kedua variabel ini ditemukan menjadi mediator penting. Oleh karenanya, pengelolaan program televisi sebagai media penyampai pesan perlu fokus pada penciptaan lebih banyak lagi gambaran peristiwa yang positif, yang nantinya menyebabkan pada pembentukan citra afektif yang positif pula terhadap lokasi destinasi wisata. Semakin tinggi citra destinasi wisata untuk pemirsa maka akan menyebabkan intensi perjalanan yang lebih tinggi pula di masa mendatang.

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ABSTRACT
Currently the popularity of the show television programs is on the rise. This entertainment program attracts viewers' attention because it is dominated by games and usually involves the physical activity of the participants of the game show competition. The location of the shooting event also varied, including adventure-themed tourism destinations involving natural beauty. This study uses an experimental study to measure the behavior intentions of game show viewers of adventure tours that aired in the program. This study proves that the relationship of audience involvement and behavioral intentions to travel to tourist destinations is mediated by cognitive and affective imagery. In particular, cognitive imagery can be significantly effects affective imagery, and both cause with behavioral intentions. Television media deals with psychological process travel, so it is found that audience involvement leads to audience behavior intentions. Meanwhile, the image of a tourist destination mediates this relationship, the image that gives the perception of the cognitive image and the affective image, so that these two variables are found to be important mediators. Therefore, the management of television programs as media messengers need to focus on creating more positive picture of adventure-themed tourism destinations, which will lead to the formation of positive affective image also to the location. The higher the image of the tourist destination for the viewers will lead to higher travel intentions in the future.

Abstrak :
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 ......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.

Abstrak :
ABSTRAK
Penelitian ini mencoba mendeskripsikan penyebab perilaku melindungi diri dari tindak kejahatan, konsep perilaku melindungi diri secara ilmiah disebut perilaku Self-Protective. Perilaku self-protective umumnya dianggap sebuah tindakan reaktif untuk menciptakan keamanan dari fenomena sosial, seperti kejahatan. Namun, bentuk-bentuk self-protective merupakan bentuk perilaku yang memiliki presisi dan terencana, sehingga peneliti menduga adanya suatu proses pemikiran dibalik perilaku tersebut. Peneliti memakai konsep kesadaran situasi sebagai pemicu untuk menjelaskan munculnya perilaku self-protective sebagai suatu proses kognisi dari individu maupun kelompok. Penelitian menggunakan pendekatan campuran menemukan bahwa perilaku self-protective merupakan perilaku yang multi-dimensi dan memiliki nilai manfaat. Perilaku tersebut muncul karena adanya proses kognisi individu dan kelompok terhadap elemen-elemen lingkungannya, jadi perilaku self-protective merupakan bentuk rekayasa terhadap lingkungan untuk keamanannya, bukan merupakan tindakan reaktif.

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ABSTRACT
This study tried to describe the causes of self protection behavior from crime, the concept of those behavior scientifically called Self-Protective behavior. Usually self-protective behavior considered as a reactive action that intended to create a secure feeling from some social phenomenon, such as crime. However,self-protective behavior can seen as a precise and well-planned behavior, so the researcher suspected the existence of a thought process behind self-protective behavior. Researchers used the concept of situation awareness as a independent variable to explain the emergence of self-protective behavior as a process of individual and group cognition. The study used a mixed approach found that self-protective behavior is a multi-dimensional behavior and have some benefit. Those behavior occurs because individual and groups cognition process of the elements in the environment, so self-protective behavior is a form of environment security engineering, not a reactive action.