PENDEKATAN EKSPLORASI MENGENAI PERSEPSI MASYARAKAT DALAM MENGGUNAKAN E-MONEY PADA JALUR TOL DI KOTA MAKASSAR
Main Article Content
Keywords
Exploratory Approach, People Perception, E-money, Cross-Case Analysis
Abstract
Various studies on the use of e-money have been conducted and most of them use the positivism approach, so that it is rarely found in the form of an exploration approach especially with regard to toll roads. The purpose of this study is to explore, describe and analyze people's perceptions in using e-money on the toll road in Makassar City. This study uses a semi-structured interview method in the process of collecting data in the analysis unit. The population of this study consists of three categories: toll road users and e-money users, e-money experts, and toll service providers with 10 participants to be interviewed. Data analysis method used is thematic analysis with the help of cross-case analysis. Based on the results of open coding, it can be concluded that e-money is one form of easy transactions and the use of e-money that is safe, efficient payment and saves time, e-money risk levels are lower. Meanwhile, the way to overcome the problem of using e-money on toll roads is to print and save transaction receipts, maintain e-money cards, make compensation, prepare officers, socialize, and register with vendors.
References
Alaeddin, O., Rana, A., Zainudin, Z., & Kamarudin, F. (2018). From physical to digital: Investigating consumer behaviour of switching to mobile wallet. Polish Journal of Management Studies, 17(2), 18–30. https://doi.org/10.17512/pjms.2018.17.2.02
Bank Indonesia, 2006, Paper Kajian E-money, Bank Indonesia, Jakarta.
Cooper, D. R., & Schindler, P. S. (2014). Business research methods. McGraw-Hill / Irwin.
Creswell, J. W. (2014). Research Design: Qualitative, Quantitative, and Mixed Method Approaches.
Dhawan, S., & Yadav, P. (2016). E-Cab Hailing: A Study on Consumer Behaviour. E-Cab Hailing: A Study on Consumer Behaviour, 2(4). https://doi.org/10.16962/EAPJMRM/issn
Diyanti, A. I. (2015). Pengaruh pendapatan, manfaat, kemudahan penggunaan, daya tarik promosi, dan kepercayaan terhadap minat menggunakan layanan e-money. Jurnal.Malang: Fakultas Ekonomi dan Bisnis Universitas Brawijaya
Gallicano, T. (2013). An example of how to perform open coding, axial coding and selective coding. The PR Post.
Hammersley, M., & Traianou, A. (2014). Ethics in Qualitative Research: Controversies and Contexts.
Hakim, F. H. (2016). Analisis Potensi dan Preferensi yang Mempengaruhi Minat Masyarakat untuk Menggunakan E-money.Skripsi.Yogyakarta:Fakultas Ekonomi dan Bisnis Universitas Negeri Sunan Kalijaga Yogyakarta.
Hidayah. (2006). Upaya Meningkatkan Penggunaan Alat Pembayaran Non Tunai Melalui Pengembangan E-money. Bank Indonesia
Hidayati, S. (2006). Operasional E-Money.Bank Indonesia.
Hidayati, Siti dkk. 2006. Kajian Operasional E-money. Jakarta : Bank Indonesia
Hilmawan,A. (2017). Minat Masyarakat Terhadap Uang Elektronik Masih Minim. http://sekuritas.co.id/minat-masyarakat-terhadap-uang-elektronik-masih-minim/. Diakses pada 21 Juli 2017 pukul 20:12
Junadi, & Sfenrianto. (2015). A Model of Factors Influencing Consumer’s Intention to Use E-payment System in Indonesia. Procedia Computer Science, 59(Iccsci), 214–220. https://doi.org/10.1016/j.procs.2015.07.557
Neuman, W. L. (2014). Social Research Methods: Qualitative and Quantitative Approaches. In Relevance of social research (Vol. 8). https://doi.org/10.2307/3211488
Nugroho, A., Najib, M., & Simanjuntak, M. (2018). Factors Affecting Consumer Interest In Electronic Money Usage With Theory Of Planned Behavior (TPB). Journal of Consumer Sciences, 3(1), 15. https://doi.org/10.29244/jcs.3.1.15-27
Peraturan Bank Nomor 11/11/PBI/2009 tentang Penyelenggaraan Alat Pembayaran dengan Menggunakan Kartu
Purnama, C.A. (2012). Analisis Pengaruh Daya Tarik Promosi, Persepsi Kemudahan, Persepsi Kemanfaatan dan Harga Terhadap Minat Beli E-toll Card Bank Mandiri (Studi Kasus pada Penggunaan Jalan Tol di Kota Sematang).Skripsi. Semarang: Fakultas Ekonomi dan Bisnis Universitas Diponegoro.
Sihombing, L. B. (2017). Analyzing the Uncertainty of Toll Road Land Acquisition Using Program Uncertainty Management. CSIT Lviv, Ukraine, 5–8.
Sridawati.Analisis Faktor-Faktor Yang mempengaruhi Preferensi Masyarakat Terhadap Penggunaan Kartu Pembayaran Elektronik, Bogor : Fakultas Ekonomi dan Manjemen, Institut Pertanian Bogor, 2006
Yolanda, A. (2013). Pengaruh Persepsi Manfaat, Persepsi Kemudahan, Persepsi kenyamanan, dan Norma Subjektif terhadap Minat Menggunakan Electronic Commerce (e-Commerce).jurnal. Malang:Fakultas Ekonomi dan Bisnis Universitas Brawijaya.
Quthbi, Z.H. (2016).Pengaruh Kemudahan, Manfaat, Keamanan dan Privasi Kecukupan Informasi dan Kesenangan Bertransaksi terhadap Keputusan menggunakan E-Money pada Bus Trans Jogja. Skripsi.Yogyakarta: Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sunan Kalijaga.
Media Lain:
beritakotamakassar.fajar.co.id
Buku panduan E-Toll Card
www.bank-indo.com
http://www.bi.go.id/id/iek/alat-pembayaran/Contents/Default.aspx
https://www.bi.go.id/id/sistem-pembayaran/di-
indonesia/sekilas/Contents/Default.aspx
https://www.silontong.com/2018/05/09/pengertian-alat-pembayaran-non-tunai/