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All Journal Journal of Enterprise and Development (JED) Ilomata International Journal of Tax and Accounting Dinasti International Journal of Digital Business Management Indonesian Journal of Business Analytics (IJBA) Swadaya: Jurnal Pengabdian Masyarakat
Mardiyani
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Religion Agriculture, Biological Sciences & Forestry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : Indonesian Journal of Business Analytics (IJBA)

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Affecting Factors of Interest in Using Peer-to-Peer Lending Services: Financial Behavior as a Mediator Mardiyani; Ahmad Maulana; Rita Avia Triana
Indonesian Journal of Business Analytics Vol. 5 No. 2 (2025): April 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijba.v5i2.13720

Abstract

In order to ascertain how risk perception and financial literacy affect students' interest in using P2P lending services, this study employs financial behavior as a mediating variable. This study is causally related to the FEB UGJ student population, with a sample of 384 students based on the Likert scale. The data was analyzed using the Structural Equation Modeling (SEM) method. The results show that financial behavior, influenced by risk perception and financial literacy, mediates students' interest in peer-to-peer lending. This study emphasizes the importance of teaching students financial literacy and risk awareness to encourage responsible fintech use. To encourage responsible P2P lending use, regulators and educational institutions need to increase students' knowledge of risk.
Financial Management Behavior analysis: The Role of Financial Attitudes and Consumptive Behavior as Mediating Mardiyani; Dwiputri Khusnul Chotimah; Rafi Murtadha Astaghfirullah
Indonesian Journal of Business Analytics Vol. 5 No. 2 (2025): April 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijba.v5i2.13728

Abstract

This research has the objective to explore the relationship between financial literacy, financial attitude, as well as consumptive behavior. The conduct of data analysis was with the use of SEM-PLS with the SmartPLS3 application and implemented a quantitative approach with a causal associative research design. The findings revealed that financial literacy significantly influences financial attitude, consumptive behavior, as well as financial management behavior. On top of direct effects, financial attitude and consumptive behavior also serve as mediators that strengthen the relationship between financial literacy with financial management behavior. This research’s implications suggest that digital and interactive financial education strategies must be optimized to help millennials develop prudent financial attitudes, planned consumption patterns, and more responsible financial management.
Co-Authors Ahmad Maulana Alfhito, Mohammad Dheo Boediarsih Boediarsih, Boediarsih Dwi Kustriyanti Dwiputri Khusnul Chotimah Fakriah, Riri Alifah Hardyanti, Tia Hermeksi Rahayu Indah Wulaningsih Nurhana Dhea Parlina Qinthara, Aisyah Noor Rafi Murtadha Astaghfirullah Ramadhan, Nanda Galih Rita Avia Triana Setiana, Cisa Sitepu, Andrew Witri Hastuti