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All Journal JABE (Journal of Accounting and Business Education)
Aulia Galuh Ani Sekar Arum
Universitas 'Aisyiyah Surakarta
Economics, Econometrics & Finance Education

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Exploring the Acceptance of Sharia Peer-to-Peer Lending in Supporting MSME Financial Resilience and Protection from Illegal Loans Nurul Aisah; Ilham Karin Rizkiawan; Sisca Dian Rahmawati; Aulia Galuh Ani Sekar Arum; Yunita Sari
JABE (JOURNAL OF ACCOUNTING AND BUSINESS EDUCATION) Volume 10, Issue 1, September 2025
Publisher : Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/jabe.v10i1.63189

Abstract

Sharia Peer to Peer Lending (P2P) has the potential to be a fairer and usury-free financing alternative for MSMEs, but still has a much smaller market share compared to conventional P2P Lending even though Indonesia is the country with the largest Muslim population in the world. This study is aimed to identify factors influencing MSMEs' use of Sharia-compliant peer-to-peer lending, which can be an alternative financing option for MSMEs to support financial resilience and protect against illegal loans. The data analysis methods used in this study are Structural Equation Modeling (SEM) and Robustness Check with the UTAUT 2 model and a mixed methods research approach. The research sample consisted of 165 respondents who met the criteria, namely MSMEs with knowledge, interest, or experience in using Sharia-compliant peer-to-peer lending. The results of the study indicate that Effort Expectancy, Hedonic Motivation, Performance Expectancy, Price Value, and Trust have a significant positive effect on Behavioral Intention. Perceived Risk has a significant negative effect on Behavioral Intention, while Social Influence has no effect on Behavioral Intention. Financing from Sharia P2P Lending helps maintain business continuity, especially when there is a decline in sales or sudden capital needs
Co-Authors Ilham Karin Rizkiawan Nurul Aisah Sisca Dian Rahmawati Yunita Sari