Analysis of Ease of Use and Perceived Risk on Online Purchase Decisions Through Trust as a Mediating Variable in the Perspective of Islamic Economics

Authors

  • Irohdathul Novianti Master of Islamic Economics, State Islamic University of Maulana Malik Ibrahim Malang
  • Umi Julaihah Master of Islamic Economics, State Islamic University of Maulana Malik Ibrahim Malang

DOI:

https://doi.org/10.33633/jpeb.v10i2.11965

Keywords:

Ease of Use, Perceived Risk, Trust, Online Purchase Decisions, Islamic Economic Perspective

Abstract

The rapid growth of e-commerce has transformed consumer behavior, enabling seamless online transactions. However, perceived risks, such as product uncertainty and fraud, hinder consumer trust. This study examines the effects of ease of use and perceived risk on online purchase decisions, mediated by trust, within the Islamic economic framework. Using a quantitative approach, data were collected from 163 Muslim respondents in Malang City through structured questionnaires. Structural Equation Modeling-Partial Least Squares (SEM-PLS) was utilized for data analysis.The findings reveal that ease of use significantly enhances both trust and purchase decisions, while perceived risks negatively impact trust but influence purchase decisions positively when mediated by trust. Trust plays a critical role in bridging ease of use and perceived risk with purchase decisions. From the Islamic economic perspective, the principles of honesty, transparency, and fairness bolster consumer trust and mitigate risks in online transactions. This study highlights the importance of designing user-friendly e-commerce platforms, ensuring secure transactions, and embedding Islamic ethical principles to foster consumer trust and improve purchase decisions. Future research may explore broader contexts and delve deeper into cultural and religious influences on consumer behavior in e-commerce.

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Published

2025-09-29

How to Cite

Novianti, I., & Julaihah, U. (2025). Analysis of Ease of Use and Perceived Risk on Online Purchase Decisions Through Trust as a Mediating Variable in the Perspective of Islamic Economics. Jurnal Penelitian Ekonomi Dan Bisnis, 10(2), 151–160. https://doi.org/10.33633/jpeb.v10i2.11965

Issue

Vol. 10 No. 2 (2025): September 2025

Section

Articles

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