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Abstrak :
Sesuai ketentuan Undang-Undang Nomor 24 Tahun 2011 tentang Badan Penyelenggara Jaminan Sosial, maka pada tanggal 1 Januari 2014, seluruh rakyat Indonesia wajib menjadi peserta jaminan sosial yang salah satunya adalah Jaminan Kesehatan. Sebelumnya, jaminan sosial hanya diwajibkan untuk pekerja formal dan Pegawai Negeri Sipil padahal jumlah terbesar tenaga kerja di Indonesia berada di sektor informal. Tesis ini bertujuan untuk menganalisis faktor yang mempengaruhi motivasi pembelian asuransi kesehatan di kalangan sektor informal perkotaan dengan menggunakan pendekatan Health Belief Model dan Theory of Planned Behaviour, Konstruk yang dipergunakan untuk mengetahui motivasi pembelian adalah perceived susceptibility, perceived benefit, dan perceived behavioural control. Atribut yang diteliti meliputi risiko finansial, risiko kesehatan, paket manfaat, akses pemanfaatan asuransi, harga premi, akses pembelian premi, dan karakteristik individu. Tesis ini menggunakan metode penelitian deskriptif dengan single-cross sectional designs, dan uji statistik regresi linier. Berdasarkan hasil penelitian, diketahui bahwa perceived susceptibility tidak berpengaruh positif terhadap motivasi pembelian sementara perceived benefit dan perceived behavioural control mempengaruhi motivasi pembelian. Atribut yang secara langsung bersifat positif terhadap motivasi pembelian adalah 1) paket manfaat; 2) akses pemanfaatan asuransi dan 3) akses pembelian premi. Atribut demografi yang berpengaruh positif terhadap motivasi pembelian adalah tingkat pendidikan. Sementara atribut yang tidak terbukti memiliki hubungan positif adalah risiko finansial dan risiko kesehatan. ......The Law number 24 year 2011 on Social Insurance Carrier has been enacted. In regards to this regulation, all Indonesian peoples are mandated to contribute to social health insurance starting January1st, 2014. Previously, only workers in formal sector and civil servants are mandated in social health insurance while the majority of labors are in the informal sector. This study aims to find out factors that influence intention to buy health insurance among the informal sector living in Depok. The study uses the Health Belief Model and the Theory of Planned Behaviour. The construct used as predictor of intention to buy are perceived susceptibility, perceived benefits, and perceived behavioral control. This study defines the attributes as follow: financial risks, health risks, access to the utilization of insurance benefit package, premium prices, access of premium purchases, and individual characteristics. This study uses descriptive research method with a single cross-sectional designs, and linear regression to test the hypotheses. The study found that perceived susceptibility was not correlated to the intention to purchase health insurance. Perceived benefits and perceived behavioral control positively associated with the intention to buy health insurance. Variables directly attributed to the intention to buy health insurance are 1) perceived benefit, 2) perceived access to health care providers and 3) access to sales agents. Education positively correlated with the intention to buy health insurance. However, perceived financial risks and health risks that were hypothesized to influence the intention to buy health insurance were not significant.

Abstrak :
Internet memiliki peran yang strategis dalam kehidupan di era informasi seperti sekarang ini. Salah satu peran internet tersebut yang akan dibahas dalam penelitian ini adalah penerapan internet pada mobile device (seperti notebook, netbook, telepon seluler, PDA) untuk melakukan transaksi yang mempunyai nilai komersil atau disebut juga dengan mobile commerce. Berdasarkan penelitian terdahulu didapatkan faktor - faktor yang mempengaruhi keinginan untuk mengadopsi mobile commerce, antara lain sulzyective norm (persepsi yang timbul karena adanya referensi sosial yang menonjol), perceived usefulness, ease of use, personal innovativeness dan perceived behavioral control. Oleh karena itu, penelitian ini akan membahas sejauh mana faktor - falctor penelitian yang akan diuji memberikan pengaruh bagi konsumen untuk mengadopsi mobile commerce. Metode penelitian yang dilakukan adalah metode kuantitatif dengan cara menyebarkan kuesioner kepada responden yang telah menggunakan mobile device. Pengolahan data dilakukan dengan menggunakan SPSS 15. Tahap pertama pengolahan data yaitu uji reliabilitas masing-masing konstruk penelitian. Selanjutnya tahap yang kedua berupa factor analysis. Tahap terakhir adalah menggunakan analisa regresi ganda untuk melihat keterkaitan antara satu konstruk dengan konstruk yang lainnya. Hasil dari peneltian yang didapat adalah terdapat sembilan (9) hipotesis, dimana enam (6) hipotesis adalah signifikan dan sisanya tiga (3) hipotesis hasilnya tidak signifikan. ......Nowadays internet has strategic role in information era. One of the internet's role that will be discussed in this research is internet application through mobile device (like notebook, netbook, handphone, PDA) to do the commercial transactions which called mobile commerce. Based on the previous research, there has been several factor that influenced the intention to adopt mobile commerce, that is subjective norm (the emerge perception because of the salient social), perceived usetixlness, ease of use, personal innovativeness, and perceived behavioral control. Therefore this research will discuss, how far the research factors that will be tested can give influence toward consumer to adopt mobile commerce. The research methodology that has been done was quantitative methodology by distributing quesioner to rwpondent that has been using mobile device. Data tabulation was doing by using SPSS 15. The iisrt phase of data tabulation was reliability test for each research construct. And then the second phase was factor analysis. The last phase for data tabulation was using multiple regression to see inter-relatedness between one construct with other construct. The result from this research was nine (9) hypothesis , where six (6) hypothesis was signiiicant and the last three (3) hypotesis was not significant.

Abstrak :
Penelitian ini bertujuan untuk menguji hubungan antara entrepreneurial self-efficacy dan proactive personality pada entrepreneurial intention dengan attitude toward entrepreneuship dan perceived behavioural control sebagai variabel mediasi. Penelitian ini mengadopsi pendekatan kuantitatif untuk menjawab tujuan penelitian. Partisipan dalam penelitian ini adalah mantan pekerja migran Indonesia di Provinsi Nusa Tenggara Barat dan Nusa Tenggara Timur (n=352). SPSS dan LISREL digunakan untuk menganalisis data kuantitatif meliputi statistik deskriptif, reliabilitas, validitas, dan SEM. Hasilnya, terdapat hubungan positif dan signifikan antara proactive personality terhadap attitude toward entrepreneurship dan perceived behavioural control. Selain itu, ada hubungan positif dan signifikan yang ditemukan antara attitude toward entrepreneurship dan entrepreneurial intention. Attitude toward entrepreneurship memiliki efek mediasi antara proactive personality dan entrepreneurial intention. Jumlah responden yang lebih banyak diharapkan dapat memberikan hasil analisis yang lebih baik dan akurat. Temuan penelitian ini harus divalidasi kembali melalui penelitian lebih lanjut dalam berbagai konteks, karena generalisasi hasil dalam penelitian ini hanya didasarkan pada sampel responden yang berada di Provinsi Nusa Tenggara Barat dan Nusa Tenggara Timur. Dengan menggunakan hasil penelitian ini, pemerintah dapat mendorong dengan menciptakan ekosistem dan membuat instrumen kebijakan yang tepat sasaran seperti memberikan pelatihan kewirausahaan dan literasi digital untuk mendukung kegiatan kewirausahaan. Mantan pekerja migran perlu memiliki inisiatif, selalu ingin belajar hal baru, menjaga perilaku kepeloporan dan mengenali peluang. ......The purpose of this paper is to examine the relationship between entrepreneurial self-efficacy and proactive personality on entrepreneurial intention with attitude toward entrepreneurship and perceived behavioural control as mediation variabel. This study adopts a quantitative approach to address the research objectives. The participants in this study were former Indonesian migrant workers in the province of West Nusa Tenggara and East Nusa Tenggara (n=352). SPSS and LISREL was used to analyze the quantitative data including descriptive statistics, reliability, validity, and SEM. In the results, there is a positive and significant relationship between proactive personality on attitude toward entrepreneurship and perceived behavioral control. In addition, there is a positive and significant relationship was found between attitude toward entrepreneurship and entrepreneurial intention. Attitude toward entrepreneurship has a mediating effect between proactive personality and entrepreneurial intention. A larger number of respondents is expected to provide better and more accurate analysis results. The findings of this study must be re-validated through further research in various contexts, because the generalization of the results in this study is based only on a sample of respondents who are in the provinces of West Nusa Tenggara and East Nusa Tenggara. Using the results of this study, the government can encourage by creating an ecosystem and making targeted policy instruments such as providing entrepreneurship training and digital literacy to support entrepreneurial activities. Former migrant workers need to have initiative, always want to learn new things, maintain pioneering behavior and recognize opportunities.

Abstrak :
The aim of this study was to examine and compare psychological factors influencing car drivers? and motorcycle riders? speeding intentions (IN), using the Theory of Planned Behaviour (TPB). The psychological factors modules included Attitude (AT), Subjective Norm (SN) and Perceived Behavioural Control (PBC). These were employed to explain speeding intentions in urban road environments. A sample of 188 car drivers and 174 motorcycle riders were collected from the two universities within Khon Kaen, Thailand. The Structural Equation Model (SEM) was used to examine and explain speeding intentions. The results indicated that the TPB could explain 33% and 41% of the variance of intentions by car drivers and motorcycle riders, respectively. The most significant psychological factor for car drivers was determined by attitude (AT), while the speeding intention of motorcycle riders was attributed to perceived behavioural control (PBC). The authorities in Khon Kaen Province should determine safety policies that can improve these psychological factors, which could have various effects or outcomes on changing car drivers? and motorcycle riders? speeding intentions. The outcome of this study could help to understand car drivers? and motorcycle riders? speeding intentions in urban road environments and it could be useful for development of safety measures.

Abstrak :
The aim of this study was to examine and compare psychological factors influencing car drivers’ and motorcycle riders’ speeding intentions (IN), using the Theory of Planned Behaviour (TPB). The psychological factors modules included Attitude (AT), Subjective Norm (SN) and Perceived Behavioural Control (PBC). These were employed to explain speeding intentions in urban road environments. A sample of 188 car drivers and 174 motorcycle riders were collected from the two universities within Khon Kaen, Thailand. The Structural Equation Model (SEM) was used to examine and explain speeding intentions. The results indicated that the TPB could explain 33% and 41% of the variance of intentions by car drivers and motorcycle riders, respectively. The most significant psychological factor for car drivers was determined by attitude (AT), while the speeding intention of motorcycle riders was attributed to perceived behavioural control (PBC). The authorities in Khon Kaen Province should determine safety policies that can improve these psychological factors, which could have various effects or outcomes on changing car drivers’ and motorcycle riders’ speeding intentions. The outcome of this study could help to understand car drivers’ and motorcycle riders’ speeding intentions in urban road environments and it could be useful for development of safety measures.

Abstrak :
The purpose of this study is to understand how the Extended Theory of Planned Behaviour, which comprises of Attitude, Subjective Norm, and Perceived behavioural Control can affect the purchase intention of Green Products. Antecedents were also added as an extension, which are environmental knowledge and environmental concern to add on within the framework, so that readers will understand how these to antecedents are affecting our daily behaviour as consumers of green products. Additionally, the moderating role of government support is also added the analyse the effectiveness of government in inciting consumers to purchase green products, which is important in the current state of our environment.

Abstrak :
Penelitian ini bertujuan untuk menganalisis dan mengevaluasi faktor-faktor yang mempengaruhi niat (intention) mahasiswa dalam melakukan tindakan whistleblowing atas tindakan fraud pada pengelolaan dana organisasi kemahasiswaan dan merumuskan metode whistleblowing yang sesuai untuk dapat diterapkan di organisasi kemahasiswaan. Mahasiswa mengetahui telah terjadi fraud, namun tidak mampu melaporkan karena terbentur hubungan pertemanan. Penelitian ini berupaya untuk mengisi reseach gap, yaitu melihat fenomena pengambilan keputusan mahasiswa dalam melakukan pelaporan atas tindakan fraud pada pengelolaan dana kemahasiswaan melalui mekanisme whistleblowing menggunakan theory of planned behavior dengan memasukan moral norms ke dalam kerangka penelitian. Hasil penelitian menunjukkan terdapat 3 (tiga) jenis fraud yang terjadi di organisasi kemahasiswaan yang sejalan dengan yang diungkapkan oleh ACFE (2010) di antaranya, fraudulent financial reporting, asset misappropriation, dan corruption. Faktor-faktor yang mempengaruhi niat anggota organisasi dalam melakukan tindakan pelaporan atas tindakan fraud pada pengelolaan dana organisasi, yaitu attitude, subjective norms, perceived behavioural control tidak menjadi faktor yang dominan, sedangkan moral norms menjadi faktor dominan dalam pembentukan niat anggota organisasi kemahasiswaan untuk melakukan tindakan pelaporan atas tindakan fraud pada pengelolaan dana organisasi. Penelitian ini sejalan dengan Ajzen (1991, 2002), Kurland (1995), Adam & Shauki (2014). Namun pada penelitian ini menambahkan analisis tingkat dominan pengaruh faktor-faktor dalam pembentukan niat, di mana moral norms memberikan pengaruh dominan dalam pembentukan niat dan perilaku anggota organisasi. Mekanisme whistleblowing dilakukan dengan pendekatan internal dengan membentuk lembaga independen sebagai pengelola whistleblowing. Pelaporan dilakukan dengan mencantumkan identitas pelapor atau non-anonymous, dengan menjaga kerahasiaan identitas pelapor dan memberikan perlindungan baik secara hukum maupun keselamatan pelapor. Penelitian ini mendukung penelitian Gokce (2013) yang menyatakan non-anonymous menjadi salah satu cara untuk melakukan whistleblowing. Penelitian ini tidak sejalan dengan Latan & Lopes (2017) dan Lee & Fergher (2013) yang memilih menggunakan cara anonymous dalam melakukan tindakan whistleblowing. Sedangkan sistem pelaporan dilakukan dengan berbasis aplikasi gawai, demi meningkatkan partisipasi dari pelapor.

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This study aims to analyze and evaluate the factors that influence student intention in conducting whistleblowing actions against fraud in managing student organization funds and formulating appropriate whistleblowing methods to be applied in student organizations. Students know fraud has occurred, but are unable to report due to collision with friendships. This study seeks to fill the reseach gap, which is to look at the phenomenon of student decision making in reporting fraud actions in managing student funds through the mechanism of whistleblowing using the theory of planned behavior by incorporating moral norms into the research framework. The results showed that there were 3 (three) types of fraud that occurred in student organizations that were in line with what was stated by ACFE (2010) including, fraudulent financial reporting, asset misappropriation, and corruption. Factors that influence the intentions of members of the organization in taking action reporting on fraud in the management of organizational funds, namely attitude, subjective norms, perceived behavioral control are not the dominant factors, while moral norms are the dominant factor in forming the intention of student organization members to take action reporting of fraud in managing the organizations funds. This research is in line with Ajzen (1991, 2002), Kurland (1995), Adam & Shauki (2014). However, this study adds an analysis of the dominant level of influence of factors in intention formation, where moral norms provide the dominant influence in the formation of intentions and behavior of members of the organization. The whistleblowing mechanism is carried out with an internal approach by forming an independent institution as a whistleblowing manager. Reporting is done by stating the identity of the reporter or non- anonymous, by maintaining the confidentiality of the reporters identity and providing protection both legally and the safety of the reporter. This study supports the research of Gokce (2013) which states that non-anonymous is one way to do whistleblowing. This study is not in line with Latan & Lopes (2017) and Lee & Fergher (2013) who choose to use anonymous methods in conducting whistleblowing. While the reporting system is based on a gadget app-based, in order to increase the participation of the reporter.

Abstrak :
Penelitian ini bertujuan untuk menganalisis dan mengevaluasi faktor-faktor yang mempengaruhi niat (intention) mahasiswa dalam melakukan tindakan whistleblowing atas tindakan fraud pada pengelolaan dana organisasi kemahasiswaan dan merumuskan metode whistleblowing yang sesuai untuk dapat diterapkan di organisasi kemahasiswaan. Mahasiswa mengetahui telah terjadi fraud, namun tidak mampu melaporkan karena terbentur hubungan pertemanan. Penelitian ini berupaya untuk mengisi reseach gap, yaitu melihat fenomena pengambilan keputusan mahasiswa dalam melakukan pelaporan atas tindakan fraud pada pengelolaan dana kemahasiswaan melalui mekanisme whistleblowing menggunakan theory of planned behavior dengan memasukan moral norms ke dalam kerangka penelitian. Hasil penelitian menunjukkan terdapat 3 (tiga) jenis fraud yang terjadi di organisasi kemahasiswaan yang sejalan dengan yang diungkapkan oleh ACFE (2010) di antaranya, fraudulent financial reporting asset misappropriation, dan corruption. Faktor-faktor yang mempengaruhi niat anggota organisasi dalam melakukan tindakan pelaporan atas tindakan fraud pada pengelolaan dana organisasi, yaitu attitude, subjective norms, perceived behavioural control tidak menjadi faktor yang dominan, sedangkan moral norms menjadi faktor dominan dalam pembentukan niat anggota organisasi kemahasiswaan untuk melakukan tindakan pelaporan atas tindakan fraud pada pengelolaan dana organisasi. Penelitian ini sejalan dengan Ajzen (1991, 2002), Kurland (1995), Adam & Shauki (2014). Namun pada penelitian ini menambahkan analisis tingkat dominan pengaruh faktor-faktor dalam pembentukan niat, di mana moral norms memberikan pengaruh dominan dalam pembentukan niat dan perilaku anggota organisasi. Mekanisme whistleblowing dilakukan dengan pendekatan internal dengan membentuk lembaga independen sebagai pengelola whistleblowing. Pelaporan dilakukan dengan mencantumkan identitas pelapor atau non-anonymous, dengan menjaga kerahasiaan identitas pelapor dan memberikan perlindungan baik secara hukum maupun keselamatan pelapor. Penelitian ini mendukung penelitian Gokce (2013) yang menyatakan non-anonymous menjadi salah satu cara untuk melakukan whistleblowing. Penelitian ini tidak sejalan dengan Latan & Lopes (2017) dan Lee & Fergher (2013) yang memilih menggunakan cara anonymous dalam melakukan tindakan whistleblowing. Sedangkan sistem pelaporan dilakukan dengan berbasis aplikasi gawai, demi meningkatkan partisipasi dari pelapor. ......This study aims to analyze and evaluate the factors that influence student intention in conducting whistleblowing actions against fraud in managing student organization funds and formulating appropriate whistleblowing methods to be applied in student organizations. Students know fraud has occurred, but are unable to report due to collision with friendships. This study seeks to fill the reseach gap, which is to look at the phenomenon of student decision making in reporting fraud actions in managing student funds through the mechanism of whistleblowing using the theory of planned behavior by incorporating moral norms into the research framework. The results showed that there were 3 (three) types of fraud that occurred in student organizations that were in line with what was stated by ACFE (2010) including, fraudulent financial reporting, asset misappropriation, and corruption. Factors that influence the intentions of members of the organization in taking action reporting on fraud in the management of organizational funds, namely attitude, subjective norms, perceived behavioral control are not the dominant factors, while moral norms are the dominant factor in forming the intention of student organization members to take action reporting of fraud in managing the organization's funds. This research is in line with Ajzen (1991, 2002), Kurland (1995), Adam & Shauki (2014). However, this study adds an analysis of the dominant level of influence of factors in intention formation, where moral norms provide the dominant influence in the formation of intentions and behavior of members of the organization. The whistleblowing mechanism is carried out with an internal approach by forming an independent institution as a whistleblowing manager. Reporting is done by stating the identity of the reporter or non- anonymous, by maintaining the confidentiality of the reporter's identity and providing protection both legally and the safety of the reporter. This study supports the research of Gokce (2013) which states that non-anonymous is one way to do whistleblowing. This study is not in line with Latan & Lopes (2017) and Lee & Fergher (2013) who choose to use anonymous methods in conducting whistleblowing. While the reporting system is based on a gadget app-based, in order to increase the participation of the reporter.

Abstrak :
E-Commerce sebagai penengah yang mempertemukan antara konsumen dan juga produsen berkembang dan menyediakan jasa produk digital. Digital product atau digital goods sendiri merupakan produk yang tidak memiliki bukti fisik namun memiliki kegunaan bagi pemiliknya yang dapat dikonsumsi atau diproduksi kembali Quah, 2003. Di Indonesia, produk digital yang popular dikonsumsi mulai dari pulsa, pembelian token PLN, voucher game, hingga pemesanan akomodasi dan tiket perjalanan. Hal ini dikarenakan kemudahan yang disediakan oleh produk digital dan juga fitur-fitur yang ada di aplikasi E-Commerce menyebabkan mudahnya pembelian produk digital pada aplikasi E-Commerce, maka menarik untuk dianalisa faktor apakah yang menyebabkan repurchase intention untuk produk digital ini terutama di aplikasi E-Commerce. ......E-Commerce as a medium that connects buyers and sellers now has developed, and now you can purchase digital goods through E Commerce. Digital Goods is a product that has no physical form but have function that can be consumed Quah, 2003. In Indonesia, popular digital goods such as mobile phone balance, electricity bills, game vouchers, and accommodation tickets. This is because the easiness of purchasing digital goods compared to traditional ways and the features that people can enjoy from E Commerce application making purchase of digital goods easy to do. So, it is interesting to be analyzed what factor causes repurchase intention of digital goods on E-Commerce application.