Manajemen dan Bisnis
Vol 5, No 1 (2023): FEBRUARI

Determinan Behavioral Intention Penggunaan Peer-to-peer lending Syariah Di Indonesia: Model UTAUT2

Subambang Harsono (Sekolah Tinggi Ilmu Ekonomi Graha Kirana)
Yusri Yusri (Sekolah Tinggi Ilmu Ekonomi Graha Kirana)
Chairina Chairina (Sekolah Tinggi Ilmu Ekonomi Graha Kirana)



Article Info

Publish Date
24 Mar 2023

Abstract

Financial technology developed a concept, peer-to-peer lending, that enables access to funding without the role of financial institutions such as banks. However, data shows that market share of Islamic peer-to-peer lending is still very small compared to the peer-to-peer lending industry as a whole. Therefore, further efforts are needed to increase the market share of Islamic peer-to-peer lending. This study attempts to understand factors influencing behavioral intention of users (as a funders) to use Islamic peerto-peer lending with the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) approach. Using the judgment sampling method, 157 Islamic peer-to-peer lending users were collected as respondents. This research was conducted using the Partial Least Square - Structural Equation Modeling (PLS-SEM) method and use SmartPLS 3.0 software to test the proposed model. The results show that performance expectancy, price value, and habit have a positive influence on behavioral intention to use Islamic peer-to-peer lending, where performance expectancy has the biggest influence.

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Journal Info

Abbrev

MdB

Publisher

Subject

Economics, Econometrics & Finance Social Sciences

Description

JMB (Jurnal Manajemen dan Bisnis) adalah forum diseminasi ilmu bisnis multi-disiplin yang bertujuan untuk menjembatani ilmu dan praktik manajemen dan kewirausahaan di Indonesia. JMB (Jurnal Manajemen dan Bisnis) menerbitkan hasil-hasil penelitian yang berdampak tinggi terhadap teori dan praktik ...