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All Journal PROFIT : Jurnal Administrasi Bisnis Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management
Ajrina Valentine Marhadyta
Universitas Brawijaya
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Influence of Perceptions of Ease, Usefulness, Risk, Trust, and Religiosity on Financing Decisions in Sharia Peer-To-Peer Lending Zakiyyati, Qurrota A'yun; Marhadyta, Ajrina Valentine; Hakam, Abdul; Kinanti, Risma Ayu
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 3 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i3.563

Abstract

Sharia-based peer-to-peer (P2P) lending has emerged as an alternative for individuals seeking online financing aligned with Islamic principles. Despite the rapid growth of financial technology in Indonesia, the market share of Sharia P2P lending remains significantly lower than that of conventional platforms. This study aims to examine the influence of perceived ease of use, perceived usefulness, risk, trust, and religiosity on financing decisions in Sharia P2P lending. A quantitative method with a causal design was employed, involving 100 respondents selected through purposive sampling. Primary data were gathered via online questionnaires and analyzed using multiple linear regression with SPSS version 22. The results indicate that perceived usefulness has a positive and significant effect on financing decisions. In contrast, perceived ease of use, risk, trust, and religiosity do not have a significant partial effect. However, all variables collectively exert a positive and significant influence on financing decisions. These findings highlight the importance of enhancing users’ perceptions of usefulness and addressing perceived risks to increase the adoption of Sharia-compliant digital financial services.
The Influence of Perceptions of Ease, Usefulness, Risk, Trust, and Religiosity on Financing Decisions in Sharia Peer-To-Peer Lending Zakiyyati, Qurrota A'yun; Marhadyta, Ajrina Valentine; Hakam, Abdul; Kinanti, Risma Ayu
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 3 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i3.563

Abstract

Sharia-based peer-to-peer (P2P) lending has emerged as an alternative for individuals seeking online financing aligned with Islamic principles. Despite the rapid growth of financial technology in Indonesia, the market share of Sharia P2P lending remains significantly lower than that of conventional platforms. This study aims to examine the influence of perceived ease of use, perceived usefulness, risk, trust, and religiosity on financing decisions in Sharia P2P lending. A quantitative method with a causal design was employed, involving 100 respondents selected through purposive sampling. Primary data were gathered via online questionnaires and analyzed using multiple linear regression with SPSS version 22. The results indicate that perceived usefulness has a positive and significant effect on financing decisions. In contrast, perceived ease of use, risk, trust, and religiosity do not have a significant partial effect. However, all variables collectively exert a positive and significant influence on financing decisions. These findings highlight the importance of enhancing users’ perceptions of usefulness and addressing perceived risks to increase the adoption of Sharia-compliant digital financial services.
THE INFLUENCE OF MARKETING MIX ON CONSUMERS PSYCHOLOGICAL FACTORS AND ITS IMPACT ON PURCHASING BEHAVIOR (SURVEY ON CONSUMERS OF DEVELOPER PT KENDALI PUTRA SURABAYA) Marhadyta, Ajrina Valentine; Hamid, Djamhur; Suyadi, Imam
Profit: Jurnal Adminsitrasi Bisnis Vol. 7 No. 2 (2013): Profit : Jurnal Administrasi Bisnis
Publisher : FIA UB

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (244.967 KB)

Abstract

Marketing mix is one of several types of strategies in marketing that is useful to find out which suitable strategies should be used in the company at the market. Elements of marketing mix nowadays have developed approaches starting from 4P, 5P, 6P, 7P and 15P. Besides, many companies in the world always improve their marketing concept if they want to be survivor and be the winner in the market as well as to get consumers’ value. It is very important for companies to survive in its business. The marketing concept has three main elements, which are consumers’ oriented, integrated marketing and consumers’ satisfaction. This study used the characteristics of consumers for doing a research at the developer since the marketing concept is believed to be the main key to achieve the goal of an organization in creating, delivering and communicating consumers’ value towards the selected market of the target. The approach is 4P in psychological factors toward purchasing behavior of consumers. Keywords: Marketing Mix, Psychological factors, and Purchasing Behavior of Consumers.
Co-Authors Abdul Hakam Djamhur Hamid Imam Suyadi Kinanti, Risma Ayu Zakiyyati, Qurrota A'yun