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"Penelitian ini bertujuan untuk mengkaji bagaimana pengaruh perilaku belanja konsumen apabila melakukan perbelanjaan menggunakan metode pembayaran “Buy-Now-Pay-Later” sebagai inovasi terbaru metode pembayaran online. Untuk mencapai tujuan tersebut, penelitian ini mendasarkan analisisnya pada beberapa teori utama, yaitu konsep efek numerositas (numerosity effect); perceived expensiveness, dan rasa sakit saat membayar (pain of payment concept) yang berperan sbagai mediasi antara metode pembayaran paylater dan perilaku konsumen. Dengan membagi pembayaran menjadi jumlah lebih kecil menggunakan paylater, rasa sakit yang dirasakan saat membayar menjadi berkurang, sehingga menyebabkan peningkatan perilaku belanja. Penelitian ini akan menggunakan pendekatan kuantitatif dengan penyebaran kuesioner terstruktur melalui survei online. Responden diminta untuk menjawab pertanyaan-pertanyaan yang berfokus pada situasi belanja dengan metode pembayaran paylater. Hasil penelitian ini diharapkan dapat memberikan wawasan baru mengenai implikasi metode pembayaran paylater terhadap perilaku belanja konsumen, serta bagaimana variabel mediasi berperan dalam hal ini. Penelitian ini diperoleh melalui pengolahan data menggunakan Structural Equation Modeling (SEM).

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This research aims to examine how consumer shopping behavior will be affected if they use the "Buy-Now-Pay-Later" payment method as the latest innovation in online payment methods. To achieve this goal, this research bases its analysis on several main theories, namely the concept of the numerosity effect; perceived expensiveness, and pain when paying (pain of paying concept) which act as mediation between the paylater payment method and consumer behavior. By splitting payments into smaller amounts using paylater, the pain felt when paying is reduced, leading to increased shopping behavior. This research uses a quantitative approach by distributing structured questionnaires through online surveys. Respondents were asked to answer questions that focused on shopping situations with the paylater payment method. It is hoped that the results of this research will provide new insight into the implications of the paylater payment method on consumer shopping behavior, as well as how mediating variables play a role in this. This research was obtained through data processing using Structural Equation Modeling (SEM)."

"Tesis ini membahas skema Single Area Payment Scheme (SAPS) yang diberlakukan kepada sembilan negara anggota Uni Eropa (UE-9) yang merupakan negara eks-sosialis. Skema tersebut memberikan pembayaran langsung secara bertahap kepada UE-9, dan dengan persentase awal yang rendah. UE-9 keberatan akan skema ini dengan anggapan akan memberatkan pertumbuhan dari sektor pertaniannya. Hal ini mengingat pembayaran secara penuh (100 persen) baru akan diberikan pada tahun 2013, untuk kelompok Visegrad dan tiga negara Baltik, sedangkan Bulgaria dan Rumania akan diberikan penuh pada tahun 2016. Dengan analisa dan penghitungan nilai Revealed Comparative Advantage terhadap faktor produksi dan komoditas pertanian UE-9, maka akan terlihat apakah skema ini sebenarnya menghambat atau tidak.

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EU-9, which is the ex-socialist countries, has been applied the Single Area Payment Scheme (SAPS) since 2004. The debate happened to the scheme, especially with the phased-in payment. EU-9 have a minimum starting level of payment with 25 percent in 2004, and will be fully given (100 percent) in 2013. Bulgaria and Rumania have different percentage according to the year their entered UE, with 35 percent in 2009 and will be 100 percent in 2016. They see it as an unfair treatment since they need it full as their agricultural sector still have to be developed. EU-15, as the old member states, applied for the SPS, as the different scheme. The differences between the scheme are the payment percent and the liabilities. Since UE-9 have given the phased-in level of direct payment, it could be hampered the agriculture sector to grow. By counting and analysing the potential of factor production and comparative advantage by using RCA score, the effect of SAPS could be known."