Pengaruh Kepercayaan dan Kemudahan terhadap Keputusan UMKM dalam Pembiayaan Peer to Peer Lending di Kota Depok
DOI:
https://doi.org/10.35384/jkp.v20i1.497Keywords:
SME trust, convenience, peer to peer lendingAbstract
The Financial Technology Association (AFTECH) in Indonesia reported that there are still 49 million Small and Medium Enterprises (SME) whose poor people have not received support from banks due to too heavy regulations and inclusion of conditions for guarantees. Peer to Peer Lending can help business actors or borrowers who need assets by providing unsecured credit. The purpose of this study is to determine whether the Trust and Convenience factor can influence SME decisions in financing through peer-to-peer lending applications. This study uses primary data by interviewing SME actors in Depok City and distributing questionnaires online and offline and has obtained 100 respondents. With the criteria of respondents who have business credit loans on fintech lending platforms (online loans) that are registered and licensed at OJK, have SME, domiciled in Depok City, aged 18 years to more than 50 years. Data analysis in this study used multiple linear regression analysis. It was found that the Trust and Convenience factor had a significant effect on SME decisions in financing through peer-to-peer lending in Depok.
References
Agus Santoso. (2010). Studi Deskriptif Effect Size Penelitian-Penelitian Di Fakultas Psikologi Universitas Sanata Dharma. Jurnal Penelitian, Vol. 14, No. 1: 1-17.
Asja, Hasanah Jaya, Susanti, Santi dan Fauzi, Achmad. 2021. Pengaruh Manfaat, Kemudahan, dan Pendapatan terhadap Minat Menggunakan Pay Later: Studi Kasus Masyarakat di DKI Jakarta. Jurnal Akuntansi, Keuangan, dan Manajemen (Jakman), Vol 2, No 4: 309-325. ISSN 2716-0807
Asri, Hendri Rahmayani. 2022. Pengaruh persepsi kemudahan, persepsi risiko, dan kepercayaan terhadap minat penggunaan peer to lending. Jurnal Ilmiyah Multidisiplin, Vol. 1, No. 3: 1–9. https://doi.org/10.56127/ jukim.v1i03.99
Chen, Yu-Hui dan Barnes, Stuart J. 2007. Initial trust and online buyer behavior. Industrial Management & Data Systems, Vol. 107, No. 1: 21-36. https://doi.org/10.1108/02635570710719034
Davis, F. D. 1989. Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS quarterly, 319-340. https://doi.org/10.2307/249008
Ghozali, Imam. (2018) Aplikasi Analisis Multivariate dengan Program IBM SPSS 25. Badan Penerbit Universitas Diponegoro: Semarang.
Jogiyanto (2019) Persepsi Manfaat. Yogyakarta: Penerbit Andi.
Marranitha, I Dewa Ayu Rizky Pradnyani dan Suardana, Ida Bagus Raka Suardana. 2020. Pengaruh Kepercayaan, Selisih Bunga Kredit Dengan Bank Konvensional, Dan Kemudahan Proses Kredit Terhadap Minat Mahasiswa Dalam Menggunakan Layanan Fintech Berbasis Pinjaman Online: Studi Kasus Di PTN dan PTS Provinsi Bali. TIERS Information Technology Journal, Vol. 1, No. 2: 44-50. https://journal.undiknas.ac.id/index.php/tiers/article/view/2805
Pautina, Yazid Bustomin Pautina, Ismail, Yulinda L dan Abdussamad, Zulfia K. 2023. Pengaruh Kepercayaan Dan Kemudahan Terhadap Keputusan Pembelian Pada Aplikasi Belanja Online Shopee (Studi Pada Mahasiswa Manajemen Fakultas Ekonomi Universitas Negeri Gorontalo). Jurnal Ilmiah Manajemen dan Bisnis (JAMBURA), Vol 5. No 2; 475-466. http://ejurnal.ung.ac.id/index.php/JI
Pavlou, P. A. 2014. Consumer acceptance of electronic commerce: Integrating trust and risk with the technology acceptance model. International Journal of Electronic Commerce, Vol. 7, No. 3: 101–134. https://doi.org/10.1080/10864415.2003.11044275
Priansa, Donni Juni. 2017. Perilaku Konsumen: Dalam Persaingan Bisnis Kontemporer. Bandung: Alfabeta
Pudjihardjo, Maria C., Wijaya, Helen dan Remiasa, Markus. 2015. Analisa Pengaruh Kepercayaan, Kemudahan, Kualitas Informasi, Dan Tampilan Produk Terhadap Keputusan Pembelian Melalui Pemasaran di Media Sosial (Studi Pada Pengguna Media Sosial Di Shapeharve). Jurnal Hospitality dan Manajemen Jasa, Vol. 3, No. 2: 364-379.
Putri, Fanny Anggraeny dan Iriani, Sri Setyo. 2020. Pengaruh Kepercayaan dan Kemudahan Terhadap Keputusan Pembelian Menggunakan Pinjaman Online Shopee Pay Later. Jurnal Ilmu Manajemen, Vol. 8 No. 3: 818-828. https://doi.org/10.26740/jim.v8n3.p818-828
Rorie, Agatha Gratia Sara Rorie, Tumbel, Altje L dan Gunawan, Emilia. 2022. Pengaruh Kepercayaan Dan Persepsi Resiko Terhadap Keputusan Pembelian E-Commerce Pada Tokopedia.Com Di Desa Noongan, Kecamatan Langowan Barat. Jurnal LPPM Bidang EkoSosBud huKum (Ekonomi, Sosial, Budaya, dan Hukum), Vol. 6 No.1: 365 – 376.
Sandora, Dewi. 2020. Pengaruh Kepercayaan dan Kemudahan terhadap Keputusan Pembelian Belanja Secara Online. Eko dan Bisnis: Riau Economic and Business Review, Vol. 11, No. 3: 290-310. https://doi.org/ 10.36975/jeb.v11i3.288
Sartika, Dewi. 2021. Pengaruh Kepercayaan dan Kemudahan Terhadap Keputusan Pembelian Secara Online di Pekanbaru. Procuratio: Jurnal Ilmiah Manajemen, Vol. 9, No. 3: 253-262. https://doi.org/10.35145/ procuratio.v9i3.1102
Simamora, Atika Mardhiyah dan Zuhra, Syarifah Evi. 2023. Pengaruh Persepsi Kemudahaan Penggunaan dan Pesepsi Risiko Terhadap Keputusan Pembelian pada Konsumen Tiktok.shop di Banda Aceh Dengan Kepercayaan Sebagai Variabel Moderasi. Jurnal Ilmiah Mahasiswa Ekonomi Manajemen, Vol. 8, No. 3: 637-652. http://jim.unsyiah.ac.id/ekm637
Tjiptono, F dan Chandra, G. 2012). Pemasaran Strategik (2nd ed.). Andi Publisher.
Downloads
Published
How to Cite
Issue
Section
Abstract Views: 281
| 
File Downloads: 328
