Atensi masyarakat dalam menggunakan peer to peer lending syariah: Mendorong inklusi keuangan syariah
DOI:
https://doi.org/10.53088/jmdb.v4i1.928Keywords:
Online Loans, Public Attention, Sharia Peer to Peer Lending, Financial InclusionAbstract
Compared with conventional online loans, there are probably few people interested in sharia loans. Nevertheless, Indonesia is the country with the largest Muslim population in the world. This research aims to find components influencing people's use of the Sharia P2P Lending platform. A quantitative approach was taken in the research, and data was collected through an empirical survey using a purposive sampling method. The inclusion criteria for respondents were Muslims who knew or had used Sharia P2P Lending. The number of samples obtained was 100 respondents. In addition, the analysis was carried out with Smart PLS using Structural Equation Modeling (SEM). The research results show that the trust variable significantly influences attitudes and interests. The risk perception variable has a significant negative effect on attitudes and interests. The attitude variable significantly affects interest and can mediate the relationship between trust risk perception and interest in using Sharia Peer Lending.
References
A. Basha, S., Elgammal, M. M., & Abuzayed, B. M. (2021). Online peer-to-peer lending: A review of the literature. Electronic Commerce Research and Applications, 48, 101069. https://doi.org/10.1016/j.elerap.2021.101069
Abidat, A. H., Handayani, P. W., & Azzahro, F. (2019). Analysis of Factors Affecting People ’ s Intentions in Investing Through Sharia Peer-To-Peer Lending. International Conference on Information Management and Technology (ICIMTech), 1, 224–229. https://doi.org/10.1109/ICIMTech.2019.8843790
Andista, D. R., & Susilawaty, R. (2021). The Influence of Perceived Ease of Use and Risk on Interest in Using Financial Online Loan Technology. Prosiding The 12th Industrial Research Workshop and National Seminar, 1228–1233. https://jurnal.polban.ac.id/proceeding/article/view/2919
Chen, D., Lou, H., & Van Slyke, C. (2015). Toward an understanding of online lending intentions: Evidence from a survey in China. Communications of the Association for Information Systems, 36, 317–336. https://doi.org/10.17705/1cais.03617
Davis, F. D. (1985). A technology acceptance model for empirically testing new end-user information systems: Theory and results. Management, Ph.D.(January 1985), 291. https://doi.org/oclc/56932490
Featherman, M. S., & Pavlou, P. A. (2003). Predicting e-services adoption: A perceived risk facets perspective. International Journal of Human Computer Studies, 59(4), 451–474. https://doi.org/10.1016/S1071-5819(03)00111-3
Gounaris, S., & Koritos, C. (2008). Investigating the drivers of internet banking adoption decision: A comparison of three alternative frameworks. International Journal of Bank Marketing, 26(5), 282–304. https://doi.org/10.1108/02652320810894370
Hair, J., Anderson, R., Babin, B., & Black, W. (2010). Multivariate Data Analysis.pdf. In Australia : Cengage: Vol. 7 edition.
Hair, J. F., Sarstedt, M., Hopkins, L., & Kuppelwieser, V. G. (2014). Partial least squares structural equation modeling (PLS-SEM): An emerging tool in business research. European Business Review, 26(2), 106–121. https://doi.org/10.1108/EBR-10-2013-0128
Handayani, O., Sulistiyono, A., & Muryanto, Y. T. (2021). The Urgency of Regulating Fintech Peer to Peer Lending Sharia in Indonesia. Proceedings of the International Conference on Environmental and Energy Policy (ICEEP 2021), 583(Iceep 2021), 170–175. https://doi.org/10.2991/assehr.k.211014.036
Hasibuan, H. T. (2021). Faktor-Faktor yang Mempengaruhi Minat Menggunakan Layanan Financial Technology Peer To Peer Lending Syariah. E-Jurnal Akuntansi, 31(5), 1201. https://doi.org/10.24843/eja.2021.v31.i05.p10
Ichwan, & Kasri, R. A. (2019). Why Are Youth Intent on Investing Through Peer To Peer Lending? Evidence From Indonesia. Journal of Islamic Monetary Economics and Finance, 5(4), 741–762. https://doi.org/10.21098/jimf.v5i4.1157
Kim, D., Maeng, K., & Cho, Y. (2018). Study on the determinants of decision-making in peer-to-peer lending in South Korea. Asia-Pacific Journal of Accounting and Economics, 27(5), 558–576. https://doi.org/10.1080/16081625.2018.1540939
Larrimore, L., Jiang, L., Larrimore, J., Markowitz, D., & Gorski, S. (2011). Peer to Peer lending: The relationship between language features, trustworthiness, and persuasion success. Journal of Applied Communication Research, 39(1), 19–37. https://doi.org/10.1080/00909882.2010.536844
Lin, M., Prabhala, N. R., & Viswanathan, S. (2013). Judging Borrowers by the Company They Keep: Friendship Networks and Information Asymmetry in Online Peer-to-Peer Lending. Management Science, 59(1), 17–35. https://doi.org/http://dx.doi.org/10.1287/mnsc.1120.1560
Misissaifi, M., & Sriyana, J. (2021). Faktor-Faktor Yang Mempengaruhi Minat Menggunakan Fintech Syariah. IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita, 10(1), 109–124. https://doi.org/10.46367/iqtishaduna.v10i1.276
Montazemi, A. R., & Qahri-Saremi, H. (2015). Factors affecting adoption of online banking: A meta-analytic structural equation modeling study. Information and Management, 52(2), 210–226. https://doi.org/10.1016/j.im.2014.11.002
Muhammad Aladdin Hanif, & Purbayu Budi Santosa. (2023). TAM Construct, Trust, and Religiosity for Decision of Muslim Lenders to Use Funding Services on Sharia Peer-to-Peer Lending Platforms (Website and Apps). Jurnal Ekonomi Syariah Teori Dan Terapan, 10(2), 151–168. https://doi.org/10.20473/vol10iss20232pp151-168
OJK. (2022). Statistic Fintech Lending Periode Agustus 2022 (Data dan Statistik). Otoritas Jasa Keuangan; IKNBangan; IKNB. https://ojk.go.id/id/kanal/iknb/data-dan-statistik/fintech/Pages/Statistik-Fintech-Lending-Periode-Agustus-2022.aspx
OJK. (2023). Awal 2023, Satgas Waspada Investasi Temukan 10 Entitas Investasi Tanpa Izin Dan 50 Pinjaman Online Tanpa Izin. Otoritas Jasa Keuangan, 2 februari. https://www.ojk.go.id/id/berita-dan-kegiatan/info-terkini/Pages/Awal-2023,-Satgas-Waspada-Investasi-Temukan-10-Entitas-Investasi-Tanpa-Izin-Dan-50-Pinjaman-Online-Tanpa-Izin.aspx
Pavlou, P. A. (2014). Consumer acceptance of electronic commerce: Integrating trust and risk with the technology acceptance model. International Journal of Electronic Commerce, 7(3), 101–134. https://doi.org/10.1080/10864415.2003.11044275
Ramadhan, M. A., Sari, D. N., & Yogyakarta, U. N. (2022). Factors that Influence of Behavior to Contribution in Islamic Peer-to-Peer Lending with PLS-SEM Approach: Empirical Studies in Indonesia. Journal of Islamic Economics Lariba, 8(1), 66–84. https://doi.org/https://doi.org/10.20885/jielariba.vol8.iss1.art5
Salciuviene, L., Auruskeviciene, V., & Ivanauskiene, N. (2014). Key Drivers Affecting Customer Intention to Purchase Financial Services Online. Engineering Economics, 25(2), 194–202. https://doi.org/10.5755/j01.ee.25.2.6427
Widya, E. A., & Pimada, L. M. (2023). Determinan Penggunaan Pinjaman Online Syariah Di Indonesia. 2(3), 348–361. https://doi.org/http://dx.doi.org/10.21776/ieff
Zhang, T., Tang, M., Lu, Y., & Dong, D. (2014). Trust building in online peer-to-peer lending. Journal of Global Information Technology Management, 17(4), 250–266. https://doi.org/10.1080/1097198X.2014.978624
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2024 Nurul Aisah, Ilham Karin Rizkiawan, Antik Sholeha
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Copyright @2021. This is an open-access article distributed under the terms of the Creative Commons Attribution-ShareAlike 4.0 International License ( https://creativecommons.org/licenses/by-sa/4.0/)
Indonesian Journal of Economics Studies is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Most read articles by the same author(s)
- Ilham Karin Rizkiawan, Latifah Putranti, Dela Puspita, Pengaruh e-service quality dan e-trust terhadap e-loyalty dengan e-satisfaction sebagai variabel intervening pada pengguna e-commerce shopee di Surakarta , Journal of Management and Digital Business: Vol. 2 No. 3 (2022): Journal of Management and Digital Business
- Fahman Hadi Utomo, Ilham Karin Rizkiawan, Aulia Uswatun Khasanah, Dicky Nuralamsyah, Pengaruh harga, kualitas pelayanan, dan citra merek terhadap kepuasan pelanggan pada pengguna Po Rosalia Indah , Journal of Management and Digital Business: Vol. 4 No. 2 (2024): Journal of Management and Digital Business
- Ilham Karin Rizkiawan, Nurul Aisah, Fahman Hadi Utomo, Norma subjektif dan sikap dalam mendorong minat beli generasi milenial terhadap organic food , Journal of Management and Digital Business: Vol. 4 No. 3 (2024): Journal of Management and Digital Business
