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All Journal PERWIRA - Jurnal Pendidikan Kewirausahaan Indonesia
Keung, Verrel
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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Trust in Online Peer-to-Peer Lending in Indonesia from a Cognitive-Based Perspective Saraswati, Reni Mutiarani; Keung, Verrel; Putra, Fariz Hutama
PERWIRA - Jurnal Pendidikan Kewirausahaan Indonesia Vol 7 No 2 (2024): PERWIRA - Jurnal Pendidikan Kewirausahaan Indonesia
Publisher : Perkumpulan Pendidik Kewirausahaan Indonesia (Perwira Indonesia)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21632/perwira.7.2.79-92

Abstract

This study investigates the perceptions of peer-to-peer (P2P) lending intermediaries and borrowers on lender trust. The trust model was used to develop the lender's trust in the peer-to-peer (P2P) lending sector by incorporating a similar model from a previous study in China. There are three dimensions of cognitive-based trust used in this model, they are social capital, perceived risk and information quality. A partial least square regression structural equation modeling (PLS-SEM) was used to evaluate the model. A quantitative online survey was distributed to 100 P2P lenders in Jakarta, Indonesia. The data collected was analyzed using PLS-SEM for its convergent validity, reliability, discriminant validity, and model fit. This study's approach integrates the antecedents of trust points to identify the criteria of lenders for achieving a successful loan transaction. The findings of the study revealed that it is essential for borrowers to build a good reputation and provide sufficient information needed to boost a lender's trustworthiness.
Co-Authors Putra, Fariz Hutama Saraswati, Reni Mutiarani