The Effect of Ease, Security, and Risk on Community Minat in Using Financial Technology (Fintech) Peer-To-Peer (P2P) Lending

Authors

  • Vely Randyantini Dian Nusantara University, Jakarta, Indonesia
  • Islamiah Kamil Dian Nusantara University, Jakarta, Indonesia

DOI:

https://doi.org/10.38035/dijdbm.v5i5.3341

Keywords:

Interest, Financial Technology (Fintech), Peer-To-Peer (P2P) Lending

Abstract

This study aims to examine the effect of convenience, security and risk on public interest in using Financial Technology (Fintech) Peer-To-Peer (P2P) Lending. The object of this research is people in the Jakarta, Bogor, Depok, Tangerang and Bekasi (Jabodetabek) areas who have taken credit either at Peer to Peer Lending or other financial institutions. A total of 300 data were collected using survey method with convenience sampling technique. Data analysis was carried out using the SmartPLS application. The results showed that public interest in using Financial Technology (Fintech) Peer-To-Peer (P2P) Lending is influenced by convenience, security and risk.

References

Abdillah, W., & Jogiyanto. (2015). Partial Least Square (PLS) Alternatif Structural Equation Modelling (SEM) Dalam Penelitian Bisnis. In Yogyakarta: Penerbit Andi (Vol. 22). CV. Andi Offset.

Javadikasgari, H., Soltesz, E. G., & Gillinov, A. M. (2018). Surgery for Atrial Fibrillation. In Atlas of Cardiac Surgical Techniques (pp. 479–488). https://doi.org/10.1016/B978-0-323-46294-5.00028-5

Keuangan, O. J. (n.d.). Statistik Fintech. Retrieved March 16, 2024, from https://www.ojk.go.id/id/kanal/iknb/data-dan-statistik/fintech/Default.aspx

Nurdin, Winda Nur Azizah, & Rusli. (2020). Pengaruh Pengetahuan,Kemudahan dan Risiko Terhadap Minat Bertransaksi Menggunakan Finansial Technology (Fintech) Pada Mahasiswa Institut Agama Islam Negeri (IAIN) Palu. Jurnal Ilmu Perbankan Dan Keuangan Syariah, 2(2), 199–222. https://doi.org/10.24239/jipsya.v2i2.32.198-221

Pintek. (2020). Financial Technology: Definisi dan Manfaatnya Bagi Masyarakat. https://pintek.id/blog/financial-technology/

Putro, A., & Hendratmoko, H. (2020). Faktor-Faktor Yang Memengaruhi Individu Dalam Menggunakan Peer To Peer Lending Dan Equity Crowd Funding Di Dki Jakarta. Jurnal Manajemen, 9(1). https://doi.org/10.46806/jm.v9i1.606

Sari, Z. M., & Wulandari, P. P. (2019). Pengaruh Norma Subjektif, Perceived Behavioral Control dan Persepsi Keamanan Terhadap Minat Masyarakat dalam Menggunakan Peer-To-Peer Lending (Studi Kasus pada Kota Malang). Jurnal Mahasiswa FEB, 7(2), 1–16. https://jimfeb.ub.ac.id/index.php/jimfeb/article/view/5831

Setiawan, A., Rofingatun, S., & Patma, K. (2020). Pengaruh Persepsi Kemudahaan Penggunaan, Efektivitas, Risiko Terhadap Minat Dan Penggunaan Financial Technologi (Fintech) Dengan Minat Sebagai Variabel Mediasi. Jurnal Akuntansi Dan Keuangan Daerah, 15(2), 35–48. https://doi.org/10.52062/jakd.v15i2.1623

Sinaga, H. D. E., Irawati, N., & Kurniawan, E. (2019). Financial Technology: Pinjaman Online, Ya Atau Tidak. Jtunas, 1(1), 14. https://doi.org/10.30645/jtunas.v1i1.6

Downloads

Published

2024-09-29

Issue

Vol. 5 No. 5 (2024): Dinasti International Journal of Digital Business Management (August - September 2024)

Section

Articles

License

Copyright (c) 2024 Vely Randyantini, Islamiah Kamil

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Authors who publish their manuscripts in this journal agree to the following conditions:

  1. The copyright on each article belongs to the author(s).
  2. The author acknowledges that the Dinasti International Journal of Digital Business Management (DIJDBM) has the right to be the first to publish with a Creative Commons Attribution 4.0 International license (Attribution 4.0 International (CC BY 4.0).
  3. Authors can submit articles separately, arrange for the non-exclusive distribution of manuscripts that have been published in this journal into other versions (e.g., sent to the author's institutional repository, publication into books, etc.), by acknowledging that the manuscript has been published for the first time in the Dinasti International Journal of Digital Business Management (DIJDBM).