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All Journal Journal of Business and Management Inaba Involvement International Journal of Business
Ariffin, Ariezan Zainal
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Impact of Financial Shock Factor and Financial Well-being Factor on the Resilience of Malaysian B40 Household Ariffin, Ariezan Zainal
Journal of Business and Management Inaba Vol. 2 No. 2 (2023): Volume 2 Number 2, December 2023
Publisher : Universitas Indonesia Membangun (Inaba)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56956/jbmi.v2i02.235

Abstract

The Coronavirus (Covid-19) pandemic that once affected a country in the past has left various impacts, including financial shocks such as job loss, increased healthcare expenses, and heightened financial stress among low-income B40 households in Malaysia. Financial well-being can serve as a turning point to address these financial shocks, with the presence of financial literacy and access to financial services enabling communities to overcome financial crises. In this study, the researcher will examine three main objectives: to assess the financial shock factors and financial well-being factors affecting the resilience of B40 households. Additionally, the researcher aims to explore the relationship between financial shocks and financial well-being and its impact on resilience. Finally, the researcher seeks to find solutions to the issues that arise. This study utilizes data from 102 respondents from the states of Sabah and Terengganu collected through survey questionnaires. Multiple regression analysis using the Statistical Package for the Social Sciences (SPSS) is employed to examine the financial shock and financial well-being factors. Pearson correlation analysis is also used to assess the relationship between these two variables. The study findings indicate that the Covid-19 pandemic is a financial shock factor among B40 households, and financial literacy and access to financial services are financial well-being factors. Both of these factors are interrelated and have an impact on resilience. Based on the results provided, it is hoped that the government will continue to strengthen financial well-being, such as enhancing financial literacy and financial access among B40 households.
Key Determinants of Fintech Peer-to-Peer Lending Usage Intentions: Insights from Bandung City Putra, Okta Eka; Pramayuda, Agung; Rohaeni, Tanti; Tarigan, Vera Yessica; Ariffin, Ariezan Zainal
Involvement International Journal of Business Vol. 2 No. 1 (2025): January 2025
Publisher : PT Agung Media Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62569/iijb.v2i1.107

Abstract

This study aims to identify and analyze the key factors influencing the intention to use fintech peer-to-peer (P2P) lending services in Bandung City, addressing a significant area of financial technology adoption in emerging markets. This research uses a quantitative accidental sampling method, namely a non-probability sampling technique to survey 428 residents of Bandung City who use P2P lending services. Data were collected through questionnaires and analyzed using multiple linear regression to evaluate the impact of various independent variables on usage intention. The analysis revealed that Personalization, Accessibility, and Enhanced Effectiveness have a positive and statistically significant influence on the intention to use P2P lending. Conversely, Loan Approval Speed demonstrated a negative and statistically significant effect. Social Factors, however, were found to have no significant impact on usage intention. These findings contribute to the literature on fintech adoption, highlighting the importance of service personalization and accessibility while identifying areas for improvement, such as streamlining loan approval processes. The insights provided can inform strategies for both service providers and policymakers in fostering responsible P2P lending adoption in Bandung City. This research underscores critical determinants of P2P lending usage intentions and provides actionable insights for enhancing the effectiveness and appeal of financial technology services in Bandung City.
Co-Authors Agung Pramayuda Putra, Okta Eka Rohaeni, Tanti Tarigan, Vera Yessica