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Fitria Kurniasari; Aprilia Dian Evasari; Beny Mahyudi Saputra

Riset Ilmu Manajemen Bisnis dan Akuntansi 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study aimed to better understand how factors like price, taste, and location affect how much consumers want to buy Elo Pia Kediri products. The research used a quantitative method because it helps collect objective and measurable information that can be analyzed using statistics to make clear conclusions. The data came from two main places: primary and secondary sources. Primary data was gathered directly from consumers through questionnaires that asked about price, taste, location, and how much they wanted to buy the product. Secondary data was collected from books, articles, and other documents related to the topic. The study included all consumers who had bought Elo Pia Kediri products. However, since the total number of people wasn’t known and was quite large, the researcher selected a representative group. The sample size was 96 people. The method used to choose participants was accidental sampling, which means people were selected randomly or by chance as they were met at the research location and agreed to take part. The results showed that price has a big effect on how much consumers want to buy the product. This means the prices set by Elo Pia Kediri match what consumers can afford and what they think is fair, which helps them decide to buy. When prices are seen as fair, affordable, and matching the quality of the product, it encourages people to make purchases. Taste also strongly influences buying interest. When a product has a tasty and unique flavor that fits what people like, it makes them interested in buying it. Taste is an emotional factor that affects how happy consumers are with the product and makes them want to buy it again. Location also plays a big role in how much people want to buy. A location that is easy to reach and close to where people usually go out makes it easier for them to buy Elo Pia Kediri products. The F test showed that together, price, taste, and location all have a significant impact on how much consumers want to buy the product.  

Qawiema Nashita; Rian Surenda

Jurnal Manajemen Pariwisata dan Perhotelan 2025 International Forum of Researchers and Lecturers

This research is motivated by the phenomenon found by researchers on consumer satisfaction related to physical evidence, store atmosphere and price of Muaro Terrace Cafe & Resto. This research is quantitative in nature and uses a causal associative approach through the survey method. The population of this study were consumers at Muaro Terrace Cafe & Resto with purposive sampling method obtained a sample of 150 respondents. The results of this study are the average respondent on the physical evidence variable 82.0% with good criteria, the store atmosphere variable 81.5% with good criteria, the price variable 80.5% with a good category then concluded that the average respondent of the consumer satisfaction variable was 82.3% in a good category. When F count is 161.216 with a sig of 0.000 <0.05 obtained from the multiple linear regression test results, the regression can be applied. Shows physical evidence, store atmosphere and price have an important impact on customer satisfaction. The Adjust R Square value is 0.763, which indicates that although additional factors not covered in this study affect 23.7% of customer satisfaction at Muaro Terrace Cafe & Resto, the remaining 76.3% is determined by the variables of physical evidence, store atmosphere and price.

Maulana, M Afrizal; Maulana, M Afrizal; Mulfi Sandi Yuda; Yoki Muchsam; Galih Raspati

EBISNIS : JURNAL ILMIAH EKONOMI DAN BISNIS 2025 LPPM Universitas Sains dan Teknologi Komputer

Penelitian ini bertujuan untuk menganalisis pengaruh kualitas pelayanan dan pengetahuan konsumen terhadap keputusan konsumen dalam memilih layanan GrabCar Hemat di Kabupaten Bekasi. Mengingat pesatnya perkembangan layanan transportasi berbasis aplikasi, pemahaman tentang faktor-faktor yang mempengaruhi keputusan konsumen menjadi penting bagi pengelola layanan untuk meningkatkan kualitas serta daya saingnya. Kualitas pelayanan dianalisis berdasarkan lima dimensi: Bukti Fisik, Kepedulian, Daya Tanggap, Keandalan, dan Jaminan. Selain itu, penelitian ini juga mengevaluasi tingkat pengetahuan konsumen mengenai fitur-fitur yang tersedia dalam aplikasi Grab. Metode yang digunakan adalah mix methode. Pengumpulan data dilakukan melalui survei yang disebarkan kepada 130 responden pengguna layanan ride-hailing di Kabupaten Bekasi, menggunakan teknik non-probability sampling dengan metode insidental. Hasil penelitian diharapkan dapat memberikan wawasan bagi pengelola layanan ride-hailing untuk meningkatkan kualitas pelayanan dan memberikan edukasi yang lebih baik kepada konsumen mengenai fitur-fitur layanan, sehingga dapat mendorong adopsi layanan yang lebih luas. Penelitian ini juga bertujuan untuk memperkaya literatur tentang perilaku konsumen dalam konteks penggunaan layanan berbasis teknologi di Indonesia.  

Asri Wulan Fadillah Sari; Ambardi Ambardi

Kajian Ekonomi dan Akuntansi Terapan 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Advances in technology and information have given rise to digital innovations such as e-commerce and social media, which have had a major impact on the beauty industry. One popular strategy is influencer marketing, which involves utilizing public figures to influence the purchasing decisions of audiences. In addition, product quality is also an important factor that determines consumer purchasing interest. This study aims to analyze the influence of influencer marketing and product quality on consumer purchasing interest in the Dricha Skincare brand. The method used is a quantitative approach with a survey of 81 respondents selected using the Slovin formula. The data were analyzed using multiple linear regression with tests for normality, multicollinearity, and heteroscedasticity. 

Putri, Dhyta melliany; Muchayatin, Muchayatin; Suyati, Sri; Ratnawati, Andalan Tri

Jurnal Ilmiah Serat Acitya 2025 Universitas 17 Agustus 1945

Penelitian ini bertujuan menganalisis faktor-faktor yang menentukan efektivitas pengelolaan persediaan peralatan rumah tangga pada PT. Star Cosmos Cabang Semarang. Masalah utama yang dihadapi perusahaan adalah stockout berulang pada produk unggulan yang menyebabkan hilangnya penjualan dan menyebabkan konsumen ke pesaing. Pendekatan penelitian menggunakan deskriptif kualitatif dengan pengumpulan data melalui studi pustaka, wawancara, dokumentasi, serta triangulasi. Hasil penelitian menunjukkan bahwa efektivitas pengelolaan persediaan dipengaruhi oleh tiga faktor utama, yaitu fluktuasi permintaan, sistem informasi akuntansi, dan risiko kerusakan produk. Fluktuasi permintaan timbul akibat variasi musiman, promosi kompetitor, serta daya beli masyarakat. Sistem informasi akuntansi berbasis SAP/WMS mendukung pelacakan inventaris secara real time , namun masih mengalami kendala jaringan dan kesalahan input data. Risiko kerusakan produk muncul karena serangan rayap pada kemasan karton serta kondisi gudang yang kurang memadai. Kendala yang dibahas menjadi arsitektur, teknis, dan operasional. Kendala struktural meliputi koordinasi dengan pusat pabrik dan keterbatasan SDM. Kendala teknis terkait ketidakstabilan sistem dan kesalahan input data, sedangkan kendala operasional meliputi stockout , kerusakan barang, keterbatasan alat, dan lemahnya koordinasi internal. Upaya perbaikan dilakukan melalui penerapan FIFO, peningkatan sistem informasi, program pengendalian hama, serta penguatan komunikasi lintas divisi. Penelitian ini menunjukkan bahwa efektivitas pengelolaan persediaan masih perlu ditingkatkan melalui proyeksi permintaan yang akurat, penguatan infrastruktur teknologi, serta penerapan manajemen risiko yang komprehensif

Rizky Ardian Saputra; Aprilia Dian Evasari; Endah Kurniawa

Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study aims to thoroughly examine the influence of menu variety, taste, and price on customers' purchasing decisions at CEZ-ROS Restaurant, located in Kediri Regency. Understanding these factors is crucial for the restaurant to enhance customer satisfaction and improve sales performance. The research employs a quantitative approach with an associative research type, designed to explore relationships between variables. The sampling technique used is accidental sampling, where respondents were selected based on convenience and their availability during the data collection period. This method allows for practical and efficient data gathering from actual restaurant customers. Data analysis involves several statistical tests to ensure accuracy and reliability. Initially, validity and reliability tests were conducted to confirm the suitability of the questionnaire. Then, multiple linear regression analysis was used to determine how menu variety, taste, and price individually and collectively influence purchasing decisions. Additionally, t-tests assessed the significance of each independent variable, while the F-test evaluated their simultaneous effect. The coefficient of determination (R²) provided insight into how much variation in purchasing decisions could be explained by these variables. The results indicate that menu variety, taste, and price significantly impact purchasing decisions both individually and together. Specifically, customers prefer restaurants offering a diverse menu, delicious food, and reasonable pricing. The F-test confirms the strong combined effect of these factors on consumer behavior. However, the coefficient of determination also suggests that while these variables are important, other external influences such as service quality, ambiance, and promotions may also affect purchasing decisions. Overall, this study highlights that CEZ-ROS Restaurant should focus on maintaining menu diversity, enhancing taste quality, and setting competitive prices to attract and retain customers effectively.

Huwaida, Rofifah Salma; Suwandi, Suwandi

Jurnal Ilmiah Serat Acitya 2025 Universitas 17 Agustus 1945

Bottled Drinking Water (AMDK) “VOCA” is produced by the Teaching Factory Water Treatment, Vocational School of Diponegoro University, to meet the hydration needs of the academic community. However, several issues have been identified, such as packaging defects, uneven product distribution, and stock shortages during peak demand, particularly at large-scale campus events. These issues may affect consumer satisfaction with the VOCA product. This study aims to analyze the influence of product availability, distribution, and product quality on consumer satisfaction. The research uses a quantitative approach with a survey method involving respondents who have consumed VOCA. The sampling technique applied was purposive sampling, and the data were analyzed using multiple linear regression. The results show that all three variables—product availability, distribution, and product quality—have a positive and significant effect on consumer satisfaction, both partially and simultaneously. Among them, product quality is the most dominant factor. These findings highlight the importance of consistently maintaining product quality, improving distribution systems, and ensuring stock availability to meet consumer expectations and enhance the competitiveness of VOCA on campus.

Kevin Maulana AG; Citra Lestari; Auliya Arifatun A

Jurnal Pendidikan dan Kewarganegara Indonesia 2025 Asosiasi Riset Ilmu Pendidikan Indonesia

Consumer protection is a fundamental aspect in ensuring social justice and legal certainty for all individuals involved in the market, including citizens (WN) and non-citizens (NWN). This study aims to analyze the differences in legal protection for WN and NWN consumers in Indonesia by examining the legal status as well as the practice of its implementation. The research applies a normative juridical approach with descriptive-qualitative analysis based on the Consumer Protection Law, its derivative regulations, and case studies of court decisions related to consumer disputes. The results show that, normatively, Law No. 8 of 1999 concerning Consumer Protection does not differentiate between citizens and non-citizens. However, in practice, there are significant challenges such as administrative barriers, limited access to information, and language difficulties faced by non-citizen consumers. These findings indicate a gap between universal legal norms and the implementation that remains biased toward citizenship status.The study concludes that although Indonesian regulations guarantee equality in consumer rights, there is a need to strengthen implementation mechanisms that are more inclusive, particularly for foreign consumers. This research contributes to the discourse on consumer protection by emphasizing the importance of harmonizing non-discrimination principles with the effectiveness of law enforcement.

Malik Abdul Aziz; Rida Kusuma Devi; Anis Badriyatun Niswah

GARUDA : Jurnal Pendidikan Kewarganegaraan dan Filsafat 2025 International Forum of Researchers and Lecturers

Citizenship rights are a fundamental foundation for ensuring the fulfillment of basic rights, including the right to consumer protection. In the context of globalization and the development of the digital economy, the potential for violations of consumer rights is increasing, thereby requiring the state to strengthen its responsibilities. This study aims to analyze the relationship between citizenship rights and the state’s obligations in guaranteeing consumer protection from the perspective of positive law and policy practices in Indonesia. The research method employed is a normative approach with juridical analysis of legislation, court decisions, and legal doctrines, complemented by a comparative study of international regulations. The findings reveal that consumer protection cannot be separated from the state’s recognition of universal citizenship rights. The state plays a role as regulator, facilitator, and supervisor to ensure the fulfillment of consumer rights to safety, comfort, and fairness in transactions. However, gaps were identified between legal norms and implementation, particularly in digital market oversight and the protection of vulnerable consumers. The study concludes that consumer protection is a concrete manifestation of the state’s responsibility for citizenship rights, requiring regulatory strengthening, effective supervisory institutions, and synergy among the state, business actors, and society.

Sandi Prasetyo; Mustafa Kamil

Jurnal Bisnis Kreatif dan Inovatif 2025 Asosiasi Riset Ilmu Manajemen dan Bisnis Indonesia

Penelitian ini bertujuan untuk mengetahui pengaruh kualitas produk dan kualitas pelayanan terhadap keputusan pembelian di Wingstop Margonda Depok. Fenomena yang melatarbelakangi penelitian ini adalah meningkatnya persaingan di industri kuliner, khususnya restoran cepat saji, yang menuntut setiap perusahaan untuk meningkatkan kualitas produk dan pelayanan guna mempertahankan pelanggan. Metode penelitian yang digunakan adalah metode kuantitatif dengan pendekatan deskriptif. Populasi dalam penelitian ini adalah pelanggan Wingstop Margonda Depok sebanyak 177 orang, dan jumlah sampel sebanyak 122 responden yang ditentukan menggunakan rumus Slovin dengan tingkat kesalahan 5%. Teknik pengumpulan data menggunakan kuesioner, sedangkan analisis data dilakukan dengan uji validitas, uji reliabilitas, uji asumsi klasik, analisis regresi linier berganda, uji t, uji F, dan koefisien determinasi (R²). Hasil penelitian menunjukkan bahwa kualitas produk dan kualitas pelayanan secara parsial maupun simultan berpengaruh positif dan signifikan terhadap keputusan pembelian. Dengan demikian, dapat disimpulkan bahwa semakin baik kualitas produk dan kualitas pelayanan yang diberikan Wingstop, maka semakin tinggi pula keputusan pembelian konsumen.

Aprilinda Setiana; Zaenul Muttaqien; Ahmad Jauhari

Maslahah : Jurnal Manajemen dan Ekonomi Syariah 2025 STAI YPIQ BAUBAU, SULAWESI TENGGARA

This study aims to examine the influence of Brand trust (X1), Taste (X2), and Product Innovation (X3) on Consumer Purchase Intention (Y) at CFC Stasiun Kediri. The research adopts a quantitative approach with data collected through questionnaires and processed using SPSS 25. The sample was determined using purposive sampling and the Hair et al. formula, resulting in a total of 105 respondents. The analytical techniques employed include Validity Test, Reliability Test, Classical Assumption Test, Multiple Linear Regression Analysis, t-test, F-test, and Coefficient of Determination (R²). The results show that Brand trust has a significant effect on consumer purchase intention at CFC Stasiun Kediri with a significance value of 0.000 < 0.05. Taste has a significant effect on consumer purchase intention with a significance value of 0.008 < 0.05. Product Innovation also has a significant effect on consumer purchase intention with a significance value of 0.000 < 0.05. Furthermore, Brand trust, Taste, and Product Innovation simultaneously have a significant effect on consumer purchase intention at CFC Stasiun Kediri.

Khithotin Nisa; Karari Budi Prasasti; Taufik Akbar

Jurnal Manajemen Kreatif dan Inovasi 2025 International Forum of Researchers and Lecturers

This study aims to analyze the influence of service quality, price, and store atmosphere on consumer purchasing decisions at the Rocket Chicken branch in Ngronggo, Kediri City. These three variables were chosen because they are considered to play an important role in influencing consumer behavior, particularly in the context of the increasingly competitive fast food industry. Service quality includes aspects of friendliness, speed, and accuracy of service provided by employees to customers. Price is considered in terms of affordability, suitability with product quality, and competitiveness compared to competitors. Meanwhile, store atmosphere includes cleanliness, lighting, layout, comfort, and the overall ambiance perceived by consumers when they are in the outlet. The research method used is quantitative with a survey approach. Data was obtained through the distribution of closed questionnaires to 130 respondents who are active consumers of Rocket Chicken at the research location. The data analysis technique used is multiple linear regression with the help of the latest version of SPSS software, in order to determine the extent of the influence of each independent variable on the dependent variable, namely purchasing decisions.The research results indicate that service quality, price, and store atmosphere significantly influence consumer purchasing decisions, both partially and simultaneously. These findings provide important implications for Rocket Chicken's management to pay more attention to these factors in formulating marketing strategies and operational management, in order to enhance customer satisfaction, loyalty, and appeal in the future.

Ilham karin rizkiawan; Aisah, Nurul; Hadi Utomo, Fahman; Muhammad rofifudin, Farid

Adi Widya: Jurnal Pengabdian Masyarakat 2025 Lembaga Penelitian dan Pengabdian Masyarakat

UMKM pada industri kreatif berkembang begitu pesat, tingkat literasi sangat berpengaruh terhadap tingkat pemahaman dan wawasan seseorang sehingga dapat berdampak positif dalam perkembangan ekonomi dan lingkungan tidak terkecuali pada UMKM D&R Snack. Permasalahan utama pada usaha UMKM D&R Snack adalah kurangnya pemahaman tentang digitalisasi pemasaran serta minimnya kemampuan dalam membuat packaging yang menarik calon konsumen sehingga barang yang di jual cenderung memiliki tampilan yang sama sehingga membuat diferensiasi produk sangat minim sehingga sulit mendapatkan konsumen yang loyal. Solusi yang di tawarkan kepada mitra adalah melakukan sosialsiasi digital marketing, pelatihan packaging dan pendampingan secara berkelanjutan. Hasil dari kegiatan ini yaitu meningkatnya pengetahuan UMKM D&R Snack untuk mengaplikasikan penggunaan digital marketing serta memperbaiki packaging yang di jual ke konsumen sehingga dapat memiliki identitas produk serta memiliki pangsa pasar yang lebih luas.

Sari, Anggi Novita; Sulartopo, Sulartopo; Kholifah, Siti

KOMPAK : Jurnal Ilmiah Komputerisasi Akuntansi 2025 Universitas Sains dan Teknologi Komputer

Perkembangan media sosial telah mengubah strategi pemasaran digital secara signifikan, dengan TikTok Shop menjadi salah satu kanal e-commerce yang berkembang pesat untuk memperkuat keterlibatan merek dan loyalitas konsumen. Penelitian ini bertujuan untuk menganalisis pengaruh komunikasi pemasaran online, konten marketing, dan brand engagement terhadap loyalitas merek pada platform TikTok Shop dengan studi kasus merek lokal Shiyu Shopeu. Pendekatan penelitian bersifat kuantitatif dengan desain survei potong lintang terhadap 120 responden yang dipilih secara purposive, mencakup konsumen aktif yang telah melakukan pembelian melalui TikTok Shop. Data primer diperoleh melalui kuesioner skala Likert lima poin, sedangkan analisis dilakukan menggunakan regresi linier berganda setelah melalui uji validitas, reliabilitas, dan asumsi klasik. Hasil penelitian menunjukkan ketiga variabel independen memiliki pengaruh positif dan signifikan terhadap loyalitas merek (nilai F-hitung = 103,26; Sig. < 0,001), dengan brand engagement sebagai variabel dominan (t-hitung = 5,922; Sig. < 0,001), sementara nilai R² = 0,692 mengindikasikan bahwa 69,2% variasi loyalitas merek dapat dijelaskan oleh model. Temuan ini menegaskan pentingnya interaksi emosional dan keterlibatan aktif konsumen dalam membangun komitmen merek di lingkungan digital yang dinamis. Penelitian ini berkontribusi dalam memperkaya literatur pemasaran digital, serta memberikan rekomendasi strategis bagi pelaku usaha untuk mengoptimalkan komunikasi daring dan konten kreatif guna meningkatkan loyalitas pelanggan secara berkelanjutan.

Nita Dwi Setiawati; Andriya Risdwiyanto

Prosiding Seminar Nasional Ilmu Manajemen Kewirausahaan dan Bisnis 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study examines the influence of social media advertising, brand image, and product innovation on consumer loyalty toward Kalbe Nutritional in Yogyakarta, both partially and simultaneously. Using a quantitative method with purposive sampling, data were collected from 100 respondents through a Likert-scale questionnaire and analyzed using SPSS 20. The results indicate that social media advertising and brand image do not have a significant effect on consumer loyalty, while product innovation has a positive and significant impact. The limitation of this study lies in the absence of age segmentation. This study recommends strengthening digital strategies and conducting further research that considers demographic factors

Tasya Salsabilla; Jemadi Jemadi

Prosiding Seminar Nasional Ilmu Manajemen Kewirausahaan dan Bisnis 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study aims to analyze the influence of Brand Image and Product Innovation on Consumer Loyalty toward iPhone smartphones, with the research focused on university students in sleman regency. The increasing use of iPhones among students who are known to be critical and selective in choosing technology products forms the basis of this research. A quantitative approach was employed using a survey method, where questionnaires were distributed to 100 respondents who are iPhone users among university students in sleman regency. Data were analyzed using multiple linear regression with the assistance of SPSS version 26.

Andria Firdausan; Yeye Suhaety; Syafruddin

Jurnal Visi Manajemen 2025 Sekolah Tinggi Ilmu Ekonomi Pariwisata Indonesia Semarang

This study was conducted to examine the extent to which information quality and consumer trust influence the interest in purchasing fashion products online through the Facebook platform. The study population included all active Facebook users in Indonesia who had purchased fashion products, either through the Marketplace feature or buy and sell groups. The research sample was selected using purposive sampling, and 100 respondents were successfully collected. Primary data was obtained through an online questionnaire distributed using Google Forms. The research instrument used a five-point Likert scale, where respondents were asked to provide their level of agreement with statements related to information quality, trust, and purchasing interest. Data analysis used the Partial Least Square – Structural Equation Modeling (PLS-SEM) approach, which was run using SmartPLS version 4.0 software. This method was chosen because it is capable of testing the relationship between latent variables comprehensively, even though the research sample size was not very large. The results of the analysis showed that information quality did not have a significant effect on consumer interest in purchasing fashion products through Facebook. Conversely, consumer trust was found to have a positive and significant effect on purchase interest. These findings confirm that in the context of online transactions on social media, trust in the seller and the reliability of the platform are more decisive factors than the quality of information.

Umam, Jumaidil; Haryanti, Intisari; Purnama, Ita

Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN) 2025 FEB Universitas Maritim Semarang

This study aims to analyze the influence of celebrity endorsement and brand image on consumer purchase intention at Kaloka Café in Bima Regency, Indonesia. The research employed a quantitative approach with an associative design. A total of 96 respondents were selected using accidental sampling. Data were collected through questionnaires and analyzed using validity and reliability tests, classical assumption tests, multiple linear regression, t-test, and F-test with SPSS. The findings reveal that celebrity endorsement does not have a significant effect on purchase intention, while brand image shows a significant positive effect. Simultaneously, both variables significantly affect purchase intention, with a contribution of 44.3%. These results highlight that brand image plays a more dominant role than celebrity endorsement in shaping consumer decisions. The study recommends that Kaloka Café strengthen its brand image through product quality, consistent service, and effective brand communication, while carefully selecting endorsers who are credible and relevant to the target market.

Serlina Zuhrotul Azhariyah; Baju Pramutoko; Ririn Wahyu Arida

Jurnal Penelitian Manajemen dan Inovasi Riset 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study aims to determine the influence of Brand Image, Price, and Service Quality on Consumer Purchase Decisions at Vins Aesthetic Clinic Blitar. This research adopts a quantitative approach, focusing on the statistical analysis of the relationship between variables. The data were obtained from primary sources through the distribution of structured questionnaires to respondents. The population in this study consisted of all consumers of Vins Aesthetic Clinic Blitar. A sample of 100 respondents was selected using a saturated sampling technique, where the entire population is used as the sample due to the accessible number of consumers during the research period. Several analytical methods were applied, including validity and reliability tests to ensure the quality and consistency of the research instruments. Classical assumption tests were also conducted to confirm the appropriateness of the regression model. The study used multiple linear regression analysis to examine the effect of the independent variables — Brand Image, Price, and Service Quality — on the dependent variable, namely Consumer Purchase Decisions. The results of the partial (t-test) analysis showed that each variable — Brand Image, Price, and Service Quality — has a positive and significant influence on purchase decisions. Furthermore, the results of the simultaneous (F-test) analysis indicate that all three variables together significantly affect Consumer Purchase Decisions at Vins Aesthetic Clinic Blitar.

Ni Nyoman Trisna Pradewi

Jurnal Hukum, Administrasi Publik dan Negara 2025 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

The development of the internet in Indonesia has opened up numerous opportunities, including in the field of online commerce. One widely used feature in online transactions is the "Paylater" system, as implemented by Shopee through its Shopee Paylater service. This feature allows users to purchase goods now and pay for them later, with relatively low interest rates. This study aims to examine the regulations and implementation of Shopee Paylater, as well as the legal protection available to consumers in cases of default or issues with the service. The study refers to the Indonesian Civil Code, Law No. 8 of 1999 on Consumer Protection, and the Financial Services Authority Regulation (POJK) No. 77/POJK.01/2016 on Information Technology-Based Lending Services. The research findings indicate that Shopee Paylater users are bound by a standard agreement with PT. Commerce Finance during the purchasing process. Shopee is responsible for protecting consumers in accordance with applicable regulations, but breaches related to network security can pose risks to consumers. In addition, while the service facilitates easier access to goods and services for users, it is crucial that consumers fully understand the terms and conditions of the service, including the consequences of late payments. The study also emphasizes the need for clearer and more comprehensive consumer protection regulations, especially in light of the rapid growth of digital financial services. This research highlights the importance of adequate legal protection for users of Paylater services to ensure their rights are safeguarded in the evolving digital economy.