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THE IMPACT OF DIGITAL FRAUD RISK, SECURITY, AND SHARIA TRUST ON SHOPEE USERS (CASE STUDY: SHOPEE USERS IN MEDAN)

Jurnal Manajemen Terapan dan Keuangan · Vol. 15 No. 03 (2026) · hlm. 1292–1309

DOI
10.22437/jmk.v15i03.59057
ISSN
2685-9424, 2252-8636
Terbit
2026-08-02
Penerbit
Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi
Bahasa
en
Lisensi
creativecommons.org/licenses/by/4.0

Abstrak

Abstract This study was conducted to examine the influence of digital fraud risk, security, and Sharia trust on people’s decisions to use the Shopee app in Medan. The method used was a quantitative approach with an associative research design. The study sample consisted of 100 respondents selected using purposive sampling. Data collection was carried out through the distribution of questionnaires, which were then analyzed using multiple linear regression supported by t-tests, F-tests, and the coefficient of determination (R²). The results of the analysis indicate that the risk of digital fraud, security, and Sharia trust have a significant influence both partially and simultaneously on the decision to use Shopee, as indicated by a significance level of < 0.05. Furthermore, an R² value of 0.660 indicates that 66% of the variation in the decision to use Shopee can be explained by these three variables. Thus, the decision to use Shopee is influenced by the risk of digital fraud, security, and Sharia trust. Keywords: Risk of Digital Fraud, Security, Sharia Trust, Shopee Users

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19 penulis · 28 tautan kepenulisan bersama · 6 lintas organisasi

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  • Universitas Islam Negeri Sumatera Utara
  • North Sumatra Islamic University
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Rekan penulisOrganisasiArtikel bersama
Siska Kumala SariNorth Sumatra Islamic University1
Rahmi SyahrizaUniversitas Islam Negeri Sumatera Utara1
Mairani AdeliaNorth Sumatra Islamic University1
Aqwa Naser DaulayUniversitas Islam Negeri Sumatera Utara1
Syahlaa MaulanaUniversitas Islam Negeri Sumatera Utara1
Maidalena MaidalenaUniversitas Islam Negeri Sumatera Utara1
Ira YantiUniversitas Islam Negeri Sumatera Utara1
Sri RamadhaniUniversitas Islam Negeri Sumatera Utara1
Kenanga SafitriNorth Sumatra Islamic University1
Wahyu SyarvinaUniversitas Islam Negeri Sumatera Utara1
Hendra HarmainUniversitas Islam Negeri Sumatera Utara1
Mira HandaniUniversitas Islam Negeri Sumatera Utara1
Dicky PratamaAfiliasi tidak diketahui1
Muhammad SyahbudiAfiliasi tidak diketahui1
Ikram MuharrilUniversitas Islam Negeri Sumatera Utara1
Mustafa Kamal RokanUniversitas Islam Negeri Sumatera Utara1

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Sumber metadata: OAI-PMH (metadata jurnal) https://online-journal.unja.ac.id/index.php/mankeu/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">THE IMPACT OF DIGITAL FRAUD RISK, SECURITY, AND SHARIA TRUST ON SHOPEE USERS (CASE STUDY: SHOPEE USERS IN MEDAN) </dc:title>
	<dc:creator xml:lang="en">Aini, Khadijah Nur</dc:creator>
	<dc:creator xml:lang="en">Nurbaiti, Nurbaiti</dc:creator>
	<dc:creator xml:lang="en">Silalahi, Purnama Ramadani</dc:creator>
	<dc:description xml:lang="en">Abstract
This study was conducted to examine the influence of digital fraud risk, security, and Sharia trust on people’s decisions to use the Shopee app in Medan. The method used was a quantitative approach with an associative research design. The study sample consisted of 100 respondents selected using purposive sampling. Data collection was carried out through the distribution of questionnaires, which were then analyzed using multiple linear regression supported by t-tests, F-tests, and the coefficient of determination (R²). The results of the analysis indicate that the risk of digital fraud, security, and Sharia trust have a significant influence both partially and simultaneously on the decision to use Shopee, as indicated by a significance level of &amp;lt; 0.05. Furthermore, an R² value of 0.660 indicates that 66% of the variation in the decision to use Shopee can be explained by these three variables. Thus, the decision to use Shopee is influenced by the risk of digital fraud, security, and Sharia trust.
 Keywords: Risk of Digital Fraud, Security, Sharia Trust, Shopee Users
</dc:description>
	<dc:publisher xml:lang="en">Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi</dc:publisher>
	<dc:date>2026-08-02</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://online-journal.unja.ac.id/mankeu/article/view/59057</dc:identifier>
	<dc:identifier>10.22437/jmk.v15i03.59057</dc:identifier>
	<dc:source xml:lang="en">Jurnal Manajemen Terapan dan Keuangan; Vol. 15 No. 03 (2026): Jurnal Manajemen Terapan dan Keuangan ; 1292-1309</dc:source>
	<dc:source>2685-9424</dc:source>
	<dc:source>2252-8636</dc:source>
	<dc:language>en</dc:language>
	<dc:relation>https://online-journal.unja.ac.id/mankeu/article/view/59057/25262</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2026 Khadijah Nur Aini, Nurbaiti Nurbaiti, Purnama Ramadani Silalahi</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by/4.0</dc:rights>
</oai_dc:dc>