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All Journal Fokus Bisnis JURNAL PENDIDIKAN TAMBUSAI Journal on Education Management Studies and Entrepreneurship Journal (MSEJ) Journal of Digital Business and Management Fokus Bisnis: Media Pengkajian Manajemen dan Akuntansi Jurnal Ekonomi, Manajemen, Akuntansi Maneggio Nomico
Dodi Setiawan Riatmaja
Universitas Amikom Yogyakarta
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Peminjaman Digital: Peran Rasionalitas, Pengalaman, Dan Niat Perilaku Dalam Re-Apply P2P Lending Di Yogyakarta Dinda Sukmaningrum; Dodi Setiawan Riatmaja; Narwanto Nurcahyo; Nurhayanto Nurhayanto
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 6 No. 5 (2025): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v6i5.9270

Abstract

This study examines the impact of rationality and experience on users' decision to reapply for a digital peer-to-peer (P2P) loan, with behavioral intention as an intermediary factor, in the context of Yogyakarta, Indonesia. As the popularity of digital lending platforms increases, understanding the behavioral factors behind loan reapplication decisions is crucial. This study uses quantitative methods with Structural Equation Models (SEM), with data collected from active P2P users who have previously reapplied for a loan. Findings show that both rationality and experience significantly affect behavioral intention rates, which in turn affect reapplication behavior. Behavioral intention plays a crucial mediating role, linking cognitive and experiential factors to the decision to reapply for a loan. These results highlight the importance of cognitive evaluation and experiential memory in shaping financial behavior in the digital context, providing insights for financial technology providers, regulators, and educators.
Co-Authors Ahmad Muktamar B Antonius Rino Vanchapo Asdi Asdi Bekti Utomo Dinda Sukmaningrum Dinda Sukmaningrum Erlita Ridanasti Fadli agus triansyah Fajar Satriyawan Wahyudi Herikson Tampubolon Imam Prawiranegara Gani Ivonne Ayesh Jedithjah Naapia Tamedi Papia Johny Aninam Kholid Ansori KMT Lasiatun KMT Lasmiatun Lalu Supardin Meike Negawati Kesek Narwanto Nurcahyo Narwanto Nurcahyo Nurhayanto Nurhayanto Nurwanto Nurcahyo Olyvia Rosalia Sevi Andriasari Sigit Wibawanto Suci Novita Wijayanti Susanti Usman Wijayanti, Lumastari Ajeng Yenti Afriani Zainal Firdaus Wardhana