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All Journal Journal The Winners DeReMa (Development Research of Management) Jurnal Manajemen Technomedia Journal Jurnal ULTIMA Accounting Ultima Management : Jurnal Ilmu Manajemen JBMR: Journal of Business and Management Review International Journal of Community Service & Engagement AICS Return : Study of Management, Economic and Bussines Journal Research of Social Science, Economics, and Management Proceeding of International Conference on Global Innovation and Trends in Economy
Prio Utomo
Department Of Technology Management, Faculty Of Business, Universitas Multimedia Nusantara, Tangerang, Indonesia
Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Social Sciences

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Journal : Jurnal ULTIMA Accounting

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DETERMINANTS OF EFFECTIVENESS REPAYMENT APPS AT P2P LENDING PLATFORM DURING COVID 19 PANDEMIC IN INDONESIA Florentina Kurniasari; Prio Utomo
Ultimaccounting Jurnal Ilmu Akuntansi Vol 13 No 1 (2021): Ultima Accounting : Jurnal Ilmu Akuntansi 
Publisher : Universitas Multimedia Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31937/akuntansi.v13i1.2094

Abstract

Abstract— The advance of technology development today brings an innovation in the financial industries all across the world, including in Indonesia. The financial technology continues to emerge from the sector of payment, investment and loans online or as we are familiar with the term P2P Lending platform. But, the growth of this business had a challenge when the Covid-19 Pandemic hit the country in the early 2020. The P2P lending platform experienced the first highest default rate due the difficulties of the SME’s as its major customers’ in repaying their loans. The purpose of this research is to analyze the determinants of effectiveness repayment apps for ultra-micro segment on P2P platform in Indonesia. As a quantitative research, primary data were collected through questionnaire answered by 133 respondents who were borrower of the P2P lending platform. The data collection was furthered processed statistically using Structural Equation Method (SEM). The study showed that the repayment decision had significantly influenced by perceived usefulness, perceived ease of use, perceived risk and information quality. Information quality itself had the highest influenced among others. Keywords: Perceived Usefulness; Perceived Ease of Use; Information Quality; Perceived Risks; Repayment Decision; Repayment Apps
Co-Authors An Nisaa Syauqi Ul Jannah Arifin, Yoke Ranlym Cham, Tat-Huei Christine Christine Christoforus Chandra Dewanto Claudia Severesia Farrel Timothy Christianto Fernandes, Maleakhi Florentina Kurniasari Florentina Kurniasari Friska Natalia Friska Natalia J. Johny Natu Prihanto Ji Kyoung Jang Jimmy, So Yohanes Kembaren, Julbintor Krisna Wardhana Kristianus Ade Sudiyono Kristianus Ade Sudiyono Kurniasari, Florentina Lie, Laksana Budiwiyono Maya Anggraini Purnamaningsih Purnamaningsih Purwanto, Sri Sarita Premana So Yohannes Jimmy Steven Young Winarno, P.M.