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All Journal JURNAL PENGABDIAN KEPADA MASYARAKAT Jurnal Ilmiah Mahasiswa Ekonomi Manajemen Jurnal Mirai Management EKONOMIS : Journal of Economics and Business Martabe : Jurnal Pengabdian Kepada Masyarakat Owner : Riset dan Jurnal Akuntansi Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Surya Abdimas Minda Baharu Magisma: Jurnal Ilmiah Ekonomi dan Bisnis Procuratio : Jurnal Ilmiah Manajemen Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) Jurnal Ilmiah Edunomika (JIE) Journal of Global Business and Management Review TRIDARMA: Pengabdian Kepada Masyarakat (PkM) Jurnal Ekonomi Dan Bisnis Jurnal Ilmiah Manajemen Kesatuan REMIK : Riset dan E-Jurnal Manajemen Informatika Komputer Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Pengabdian UNDIKMA Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Community Empowerment Quantitative Economics and Management Studies Entrepreneur : Jurnal Bisnis Manajemen dan Kewirausahaan JURNAL MANAJEMEN AKUNTANSI (JUMSI) Jurnal Valuasi : Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan Journal of Trends Economics and Accounting Research JOEL: Journal of Educational and Language Research IIJSE
Pristiyono Pristiyono
Fakultas Ekonomi Dan Bisnis Program Studi Manajemen Universitas Labuhanbatu, Rantauprapat, Sumatera Utara, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Other

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Public Acceptance of Peer-to-Peer Lending as a Digital Payment in Indonesia Pristiyono Pristiyono; Sipnarong Kanchanawongpaisan; Bayu Eko Broto
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 5 (2025): JIMKES Edisi September 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i5.3630

Abstract

Peer to Peer lending is a financial service model that connects lenders and borrowers to engage in loan agreements directly using Indonesian rupiah through an electronic platform based on internet connectivity. This study investigates the factors that affect behavioral intention and customer satisfaction in the use of Peer-To-Peer (P2P) lending platforms. with a particular emphasis on the novelty of focusing on business actors located around Medan City who utilize P2P lending as an alternative source of capital and business expansion. Employing a quantitative research method. data were collected through online questionnaires distributed via Google Forms. The study targeted Micro, Small, and Medium Enterprises (MSMEs) based in Medan City. involving 504 respondents selected through purposive sampling. Data analysis was conducted using a path analysis model. The findings reveal that performance expectancy. effort expectancy. social influence. intrinsic motivation. and extrinsic motivation all have a positive and significant impact on behavioral intention to adopt P2P lending. Furthermore. behavioral intention was found to have a positive and significant effect on customer satisfaction in the context of P2P lending usage.
Co-Authors Abd. Halim Ade Parlaungan Nasution, Ade Parlaungan Ade Surya Pertiwi Agung Asdi Pratama Agung Pratama Nasution Arfi Syahputra Aulia Indra Bayu Eko Broto Christine Herawati Limbong Dahrul Aman Harahap Dandi Febrian Daslan Simanjuntak Daslan Simanjuntak Desi Wanda Sari Desi Wanda Sari Desmawati Hasibuan Dinda Inggit Garnasih Eltrisa Harahap Ervi Nabila Siregar Fadzil Hanafi Asnora Fauziah Hanum Fauziah Hanum Rambe Fitri Setiawati Hayanuddin Safri Hazrulta Aulia Indah Lestari Indah Roja Junaidi Irwana Pahutar Junita Lubis Junita Lubis Khomsiah Hasibuan Marlina Siregar Marlina Siregar Meisa Fitri Nasution Mesia Fitri Nasution Milliani Susantri Muhammad Ali Al Ihsan Muhammad Ali Al Ihsan Muhammad Ali Al Ihsan Nasution Mulya Rafika Mulya Rafika Nella Sari Novrihan Leily Nasution Nurainun Gulo Nurdiana Nurhamidah Nurhamidah Nurriski Maysari Nurul Hidayah Harahap Nur’ainun Gulo Nur’ainun Gulo Pitriyani Pitriyani Ratih Purwati Ratih Rahulina Reni Kartika Ningsih Rido Rido Ritonga, Mulkan Rizki Syahputra Sinta Kurnia Wati Sipnarong Kanchanawongpaisan Siti Aminah Siregar Sri Wulan Hastuti Sukma Addryani Utami Bohalima Suniya Suniya Sutriani Sutriani Syaiful Zuhri Harahap T. Malinda Tika Wulan Widya Asvita Putri Nst Yudi Prayoga Yudi Prayoga Yulia Rahmawati Zuriani Zuriani