PENGARUH PERSEPSI KEMUDAHAN, PERSEPSI RISIKO, DAN KEPERCAYAAN TERHADAP MINAT PENGGUNAAN PEER TO LENDING
DOI:
https://doi.org/10.56127/jukim.v1i03.99Keywords:
Financial Technology, Peer to Peer Lending, Persepsi Kemudahan, Persepsi Risiko, Kepercayaan, Minat PenggunaanAbstract
Peer-to-Peer (P2P) lending merupakan instrumen pemberian pinjaman secara online yang dapat membantu peminjam yang tidak dapat mengakses bank konvensional, seperti UMKM. Kesulitan mendapatkan modal merupakan salah satu kendala yang membuat UMKM sulit untuk berkembang. Peer-to-peer (P2P) lending sebagai lembaga keuangan non-bank dapat dijadikan alternatif modal usaha karena persyaratan dan penggunaan aplikasi yang mudah. Kemunculan fintech ini memberikan solusi terhadap permasalahan permodalan yang menjadi salah satu kendala bagi UMKM. Penelitian ini bertujuan untuk mengetahui apakah persepsi kemudahan, persepsi risiko, dan kepercayaan berpengaruh terhadap minat penggunaan Peer to peer lending. Penelitian ini mengambil sampel para pelaku UMKM di Kabupaten Bogor yang telah menggunakan Peer to peer lending dengan menyebarkan kuesioner secara langsung maupun melalui kuesioner online. Data diperoleh melalui metode purposive sampling dengan jumlah sampel sebanyak 100 responden. Data yang diperoleh dianalisis dengan menggunakan Teknik analisis PLS (Partial Least Square). Hasil penelitian menunjukkan bahwa persepsi kemudahan, persepsi resiko dan kepercayaan memiliki pengaruh terhadap minat penggunaan peer to peer lending.
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