The Impact Of Perceptions On The Adoption Of Sharia P2P Lending
Abstract
Financial Technology (Fintech) merupakan bukti inovasi di sektor jasa keuangan yang sangat memudahkan akses masyarakat. Fintech tidak hanya digunakan untuk transaksi jual beli, tetapi juga dapat menjadi platform untuk pinjam meminjam secara daring, seperti pada P2P lending syariah. Penelitian ini mengkaji pengaruh Literasi Keuangan, Literasi Digital, Persepsi Kegunaan, Persepsi Kemudahan Penggunaan, Norma Subjektif, dan Persepsi Risiko terhadap minat penggunaan P2P lending syariah di Indonesia. Sampel penelitian berjumlah 173 partisipan dari Indonesia. Penelitian ini menggunakan pendekatan kuantitatif dengan menggunakan model analisis PLS-SEM, dengan analisis data menggunakan alat bantu SmartPLS 4. Hasil penelitian menunjukkan bahwa Persepsi Risiko dan Persepsi Kegunaan berpengaruh signifikan terhadap minat penggunaan P2P lending syariah. Sebaliknya, Literasi Keuangan, Literasi Digital, Persepsi Kemudahan Penggunaan, dan Norma Subjektif tidak berpengaruh signifikan terhadap minat penggunaan P2P lending syariah di Indonesia.
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