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All Journal Jurnal Pengabdian Kepada Masyarakat (Indonesian Journal of Community Engagement) International Journal of Islamic Economics and Finance (IJIEF) Dinamisia: Jurnal Pengabdian Kepada Masyarakat Jurnal Inovasi Hasil Pengabdian Masyarakat (JIPEMAS) Journal of Islamic Monetary Economics and Finance Community Empowerment International Journal of Educational Management and Innovation (IJEMI) Jurnal IPTEK Bagi Masyarakat Prosiding Konferensi Nasional PKM-CSR JUARA: JURNAL WAHANA ABDIMAS SEJAHTERA Jurnal AKAL: Abdimas dan Kearifan Lokal JURNAL ABDIKARYASAKTI Media Ekonomi JURNAL ABDI MASYARAKAT INDONESIA (JAMIN) Jurnal Pengabdian Pada Masyarakat Dirkantara Indonesia Journal of Nonformal Education
Dida Nurhaida
Fakultas Ekonomi Dan Bisnis, Universitas Trisakti, Indonesia
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Journal : Journal of Islamic Monetary Economics and Finance

 1 
THE DEFAULT IN ISLAMIC PEER TO PEER LENDING: AN APPLICATION OF THE GENERAL STRAIN THEORY Dety Nurfadilah; Dida Nurhaida; Sudarmawan Samidi
Journal of Islamic Monetary Economics and Finance Vol 8 No 2 (2022)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v8i2.1432

Abstract

While the Islamic peer to peer (P2P) lending is useful especially during the present Covid-19 Pandemic, its default risk remains high. In this study, we apply the extended general strain theory to investigate borrowers’ default intention on the Islamic P2P lending during the pandemic period. Using the SEM-PLS method to analyse data gathered from a survey, we find economic pressure and socialization difficulty to be significant in increasing negative affects (life dissatisfaction, perceived unfairness, and inferiority feeling) and hence indirectly affecting the willingness to repay. Further, we find that socialization difficulty does not seem to have direct influences on default intention. Finally, moral norms appear to be a significant moderating factor in the framework. These should contribute to a better scoring system of the Islamic P2P lending.
Co-Authors Abd Rahman, Nur Hayati Agusinta, Lira Ai Kartini Ai Kartini AJi Kusuma Wijaya Alisa, Irma Ade Amirul Faiz Bin Osman Amran, Ellyana ANDRIANSYAH Andriansyah Andriansyah Angga Prasetya Angga Prasetya Aqilah Nazla Shafira Ardiyanto Ardiyanto Arif Nurudin Arsiyanti, Fauziah Balqis Yuniar Putri Dety Nurfadilah Dian Octaviani Effendi, Harris Eleonora Sofilda Erie Riza Nugraha Farida Jasfar, Farida Fatmikasari, Nurlida Fauziah Arsiyanti Feranika Husodo Fitri Nurhasna Amalia Fitri Nurhasna Amalia Haq, Aqamal HARYADI, Ekananda Hasna, Thazqia Dhia Helda Cintia Henny Setyo Lestari Hotman Tohir Pohan Hotman Tohir Pohan, Hotman Tohir Ida Busnetty Irma Ade Alisa Iskandar, Layla Nurina Kartika Islami, Wardah Jayaprawira, Acep Riana K, Nurhaliza Adinda Kartini, Ai Khomsiyah Khomsiyah Khomsiyah Khomsiyah Khomsiyah, Khomsiyah Kusuma Wijaya, Aji Mona Adriana Patriyasa Muhammad Yudhi Lutfi Muhammad Zilal Hamzah Muhammad Zilal Hamzah, Muhammad Zilal Muhammag Agil Munawar Munawar, Muhammad Agil Munawar, Muhammag Agil Nanda Ayu Lestari Nuraini Chaniago Nurhaliza Adinda Octaviani, Dian Putri, Balqis Yuniar Qolbiyyah, Qoriatul Qoriatul Qolbiyyah Rifki Ismal Rinaldi Rustam SATISPI, EVI Shafrani Dizar Sudarmawan Samidi Sumiyarti Sumiyarti, Sumiyarti Suteja, Syalendra Malik Syalendra Malik Suteja Tarti, Tarti Taufiqurokhman TAUFIQUROKHMAN, TAUFIQUROKHMAN Thazqia Dhia Hasna Tulus Tahi Hamonangan Tambunan, Tulus Willy Arafah, Willy Yolanda Masnita Siagian