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Journal : Jurnal Multidisiplin Madani (MUDIMA)

 1 
Analysis of the Effect of Perception of Benefits and Perception of Risk on Interest in Using Online Loans with Ease of Use as a Moderating Variable on Ibm Asmi Students Rudianto; Haichal Aufar Ardian; Jones Z. Rante
Jurnal Multidisiplin Madani Vol. 4 No. 9 (2024): September 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/mudima.v4i9.11571

Abstract

This study aims to determine the effect of perceived benefits and perceived risks on the interest in using online loans with ease of use as a moderating variable on IBM ASMI Jakarta Students. The population and sample of this study were selected from a saturated sample of 100 people. The analysis was carried out using the Structural Equation Modeling (SEM) method based on Partial Least Squares (PLS) 4.0. The results of the analysis show that perceived benefits have a positive effect on the interest in using SPayLater IBM ASMI Jakarta Students. The calculation results show that perceived benefits are proven to have a positive effect on interest in using. The T-statistic score of perceived benefits is 1.728, greater than 1.64. Perceived risk has a negative effect on interest in using SPayLater IBM ASMI Jakarta Students. The calculation results show that perceived risk has a negative effect on interest in using. The T-statistic score of perceived benefits is -0.202, less than 1.64. The variables ease of use and perceived benefits on interest in using SPayLater IBM ASMI Jakarta Students are significantly positive. This means that the ease of using SPayLater IBM ASMI Jakarta Students. On the other hand, the variable of risk perception towards the interest in using SPayLater of IBM Jakarta students is negative and not significant. This means that the ease of use factor cannot moderate the influence of risk perception on interest in using
Co-Authors A Halim Achfas Zacoeb Adi, Adianta Ahmad Zulfikar Aida Sartimbul Akram Ista Ali Rohman Aminuyati amrin Andik Isdianto Andini Sudarmin Angga Wira Perdana Aprita Yolanda Ardi Winardi As'adi, Muhammad Arif Bambang Semedi Basuki Rakhim Setya Permana Bayu Kusuma Budiman, Ramdani Dede Ito Della Hendra Deni Darmawan Desty Devi Nuralinah Devina Yuka Utami Dewi, Citra Satrya Utama Didin Erma Indahyani Duta Arief Christanto Eka Apriyani Eva Arifi Fahri Rahmatullah, Nabil Fajarianto, Harfi Feni Iranawati, Feni Fitro, Achmad Freddy J. Rumambi Ganefo, Akhmad Genta Akbar Haichal Aufar Ardian Hamdan Herdian Bhakti, Raden Mohamad Hidayatullah, Muhamad Ibni Haziq Pryandara Ista, Akbar Jones Z. Rante Kurniasari, Reni Dyah Yuni Kusnadi Lazuwardi, Eric Lilik Tiara Giantri M. Sidik Aljabar Maheno Sri Widodo, Maheno Sri Maidah Purwanti Marisi Pakpahan Masruhin, Salis Mochammad Darip Muhamad Zulfikar Zakaria Muzayyin Nanda Nasruddin Negoro, Abdul Haris Suryo Niken Hendrakusma Wardani Nouval Daffa Nurjannah Nuryani, Ely Ofan Sofian Oksiana Jatiningsih Pardi Perdi Firdaus R Puspita, Indria Dwi Rahayu, Prehatin Tri Ramdani, Cepi Rarasrum Dyah Kasitowati, Rarasrum Dyah Retno Anggraini Rin Megawatty Riswan Sapaatullah , Asep Sapaatullah, Asep Sapta Wati, Eka Saputra, Dhira Kurniawan Seftiawan Samsu Rijal Selpiani, Wanda Sonia Alfi Sri Maryuni, Sri Sucianingtyas, Richa Sugeng P.Budio Supriatna Syahrir Syamsul Arifin Untirtha Pratama, Gerald Untung Rohwadi Wahida Kartika Sari Wardani SWW, L. Dyah Purwita Wazirotus Sakinah Yamin Yana, Neng Yuli Yanuar Nurdiansyah, Yanuar Yoan Yatalathov, Muhammad Zaman, Badru Zesa, Putri