DETERMINANT FACTORS INFLUENCING HOUSEWIVES TO USE PEER-TO-PEER LENDING SERVICES TO SUPPORT FAMILY FINANCES
Abstract
This study aims to examine the influence peer to peer-to-peer lending services on housewives in Malang City in supporting family finance. Perceived ease of use, perceived usefulness, perceived risk, and financial literacy are predicted as determinant factors that can attract interest and the use peer to peer-to-peer lending services by housewives to cover family finances. This research uses a quantitative descriptive approach with Partial Least Square for the analysis method. The questionnaire was developed using extended Technology Acceptance Model theoretical framework and distributed directly to 121 housewives in Malang City. The findings show that perceived ease of use has a negative effect on intention to use, while perceived usefulness, perceived risk, and financial literacy have a positive effect on intention to use. Furthermore, perceived risks, financial literacy, and perceived ease of use have negative effects on the Actual system use, meeanwhile intention to use and perceived usefulness have a positive effect on actual system use
References
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Rahma, D. N., & Sari, R. C. (2021). The Effect Of Financial Literacy, Digital Literacy, Performance Expectancy On Intention Behavior To Use Peer To Peer Lending. Jurnal Profita: Kajian Ilmu Akuntansi, 9(4), 54–68.
Rohman, A. N., Mukhsin, M., & Ganika, G. (2023). Penggunaan Technology Acceptance Model Dalam Analisis Actual Use Penggunaan E – Commerce Tokopedia Indonesia Use Of The Technology Acceptance Model In Analyzing Actual Use Of E - Commerce Tokopedia Indonesia. 25–36.
Sijabat, Y. P., Hutajulu, D. M., & Sihombing, P. (2019). Determinasi Technology Acceptance Model Terhadap Niat Penggunaan Fintech Sebagai Alat Pembayaran (Payment). Seminar Nasional Dan Call For Paper, 151–166.
Singh, N., & Sinha, N. (2020). How Perceived Trust Mediates Merchant’s Intention To Use A Mobile Wallet Technology. Journal Of Retailing And Consumer Services, 52(March 2019). Https://Doi.Org/10.1016/J.Jretconser.2019.101894
Sunardi, R., Hamidah, H., Dharmawan Buchdadi, A., & Purwana, D. (2022). Factors Determining Adoption Of Fintech Peer-To-Peer Lending Platform: An Empirical Study In Indonesia*. Journal Of Asian Finance, 9(1), 43–0051. Https://Doi.Org/10.13106/Jafeb.2022.Vol9.No1.0043
Sunardi, R., Suhud, U., Purwana, D., & Hamidah, H. (2021). Examining The Factors Contributing To Fintech Peer-To-Peer Lending Adoption. Journal Of Information Systems Engineering And Business Intelligence, 7(2), 91. Https://Doi.Org/10.20473/Jisebi.7.2.91-101
Vuković, M., Pivac, S., & Kundid, D. (2019). Technology Acceptance Model For The Internet Banking Acceptance In Split. Business Systems Research, 10(2), 124–140. Https://Doi.Org/10.2478/Bsrj-2019-022
Widyanto, H. A., Syahrivar, J., Genoveva, G., & Chairy, C. (2022). Intention To Use Peer-To-Peer (P2p) Lending: The Roles Of Perceived Structural Assurance And Perceived Critical Mass. Organizations And Markets In Emerging Economies, 31(1), 183–208. Https://Doi.Org/10.15388/Omee.2022.13.76
Yuniarti, V. (2020). Faktor-Faktor Yang Mempengaruhi Minat Penggunaan Financial Technology Peer To Peer Lending. July, 1–23.
Zakiyah, Diah Rahmatu. (2022). Perilaku Peminjaman Online (Gajian Duluan) Pada Karyawan Di Pt. Safe And Secure Guarding Diah. 2, 1015–1026.
Abdillah, W., & Hartono, J. (2015). Partial Least Square (Pls) Alternatif Structural Equation Modeling (Sem) Dalam Penelitian Bisnis.
Aditya, T., & Mahyuni, L. P. (2022). Pengaruh Literasi Keuangan, Persepsi Kemudahan, Manfaat, Keamanan Dan Pengaruh Sosial Terhadap Minat Penggunaan Fintech. Forum Ekonomi, 24(2), 245–258. Https://Doi.Org/10.30872/Jfor.V24i2.10330
Afini, S. K., & Rahayu, R. (2022). Analysis Of Factors Affecting Umkm Intention To Use Peer-To-Peer Lending. 11(03), 1861–1868.
Apriliana, T., Gusni, G., & Farida, L. (2023). Model Intensi Umkm Dalam Mengadopsi Layanan Pinjaman Online (Financial Technology Lending). Jurnal Ilmiah Universitas Batanghari Jambi, 23(2), 2403. Https://Doi.Org/10.33087/Jiubj.V23i2.4086
Arief, & Wibowo. (2008). Kajian Tentang Perilaku Pengguna Sistem Informasi Dengan Pendekatan Technology Acceptance Model (Tam). Proceeding Book Of Konferensi Nasional Sistem Informasi, April 2008, 1–8. Http://Peneliti.Budiluhur.Ac.Id/Wp-Content/Uploads/2008/.../Arif+Wibowo.Pdf
Asriyani, L., & Johan, I. R. (2023). The Effect Of Financial Literacy And Self-Efficacy On Interest In Using Peer To Peer Lending Among Millennials. Journal Of Child, Family, And Consumer Studies, 2(2), 167–178. Https://Doi.Org/10.29244/Jcfcs.2.2.167-178
Balqis, S. I., Effendy, L., & Astuti, W. (2023). Akseptabilitas Layanan Dan Minat Penggunaan Peer To Peer Lending Pada Pelaku Usaha Di Kota Mataram. Innovative: Journal Of Social Science …, 3, 4177–4190. Http://J-Innovative.Org/Index.Php/Innovative/Article/View/6409%0ahttps://J-Innovative.Org/Index.Php/Innovative/Article/Download/6409/4749
Bank Indonesia. (2020). Mengenal Financial Technology. Https://Www.Bi.Go.Id/Id/Edukasi/Pages/Mengenal-Financial-Teknologi.Aspx
Databoks. (2023). Apa Motivasi Warga Gunakan Pinjol? Ini Hasil Surveinya. Https://Databoks.Katadata.Co.Id/Datapublish/2023/10/26/Apa-Motivasi-Warga-Gunakan-Pinjol-Ini-Hasil-Surveinya
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease Of Use, And User Acceptance Of Information Technology. Mis Quarterly, 13(3), 319. Https://Doi.Org/10.2307/249008
Dharmastuti, C. F., & Laurentxius, J. (2021). Factors And Benefits That Affect Lender’s Interest In Giving Loans In Peer To Peer (P2p) Lending Platform. Binus Business Review, 12(2), 121–130. Https://Doi.Org/10.21512/Bbr.V12i2.6359
Faradila, D., & Rafik, A. (2022). Pengaruh Literasi Keuangan Terhadap Perilaku Keuangan Dan Intensi Meminjam Dari Pinjaman Online / P2p Lending Pada Mahasiswa Universitas Islam Indonesia. Selekta Manajemen: Jurnal Mahasiswa Bisnis & Manajemen, 02(03), 63–76. Https://Journal.Uii.Ac.Id/Selma/Index
Frederica, D., Magdalena, F. C. S., Gunarso, G., Anastasia, C., & Cici, Hilaria Deviliana. (2023). Pengaruh Literasi Keuangan Dan Faktor Lainnya Terhadap Niat Masyarakat Menggunakan Pinjaman Online. 7(1), 141–155.
Hegky, L., & Imam, G. (2015). Partial Least Squares Konsep, Teknik Dan Aplikasi Mengunakan Program Smartpls 3.0 Untuk Penelitian Empiris.
Hubert, M., Blut, M., Brock, C., Zhang, R. W., Koch, V., & Riedl, R. (2019). The Influence Of Acceptance And Adoption Drivers On Smart Home Usage. European Journal Of Marketing, 53(6), 1073–1098. Https://Doi.Org/10.1108/Ejm-12-2016-0794
Ichwan, & Kasri, R. A. (2019). Why Are Youth Intent On Investing Through Peer To Peer Lending? Evidence From Indonesia. Journal Of Islamic Monetary Economics And Finance, 5(4), 741–762. Https://Doi.Org/10.21098/Jimf.V5i4.1157
Irdiana, S., Ariyono, K. Y., & Darmawan, K. (2023). Dampak Literasi Keuangan Dan Sikap Keuangan Terhadap Perilaku Pengelolaan Keuangan Dengan Niat Sebagai Variabel Mediasi. Jurnal Ilmiah Global Education, 4(2), 700–710. Https://Doi.Org/10.55681/Jige.V4i2.797
Kim Lien, N. T., Doan, T. R. T., & Bui, T. N. (2020). Fintech And Banking: Evidence From Vietnam. Journal Of Asian Finance, Economics And Business, 7(9), 419–426. Https://Doi.Org/10.13106/Jafeb.2020.Vol7.No9.419
Kumar, A., Adlakaha, A., & Mukherjee, K. (2018). The Effect Of Perceived Security And Grievance Redressal On Continuance Intention To Use M-Wallets In A Developing Country. International Journal Of Bank Marketing, 36(7), 1170–1189. Https://Doi.Org/10.1108/Ijbm-04-2017-0077
Kurniawan, T. A. (2019). Faktor Yang Mempengaruhi Tingkat Kepercayaan Penggunaan Fintech Pada Umkm Dengan Menggunakan Technology Acceptance Model ( Tam ). 16(1).
Lagatari, M. R. S., & Sufa’atin. (2015). Model Penerimaan Pengguna Pada Situs E-Kosan.Com Menggunakan Technology Acceptance Model (Tam). Majalah Ilmiah Unikom, 13(2), 165–178. Http://Search.Unikom.Ac.Id/Index.Php/Jurnal-Unikom/Article/Viewfile/123/120
Li, J., Zheng, H., Kang, M., Wang, T., & Chen, S. (2016). Understanding Investment Intention Towards P2p Lending: An Empirical Study. An Empirical Study, 82. Http://Aisel.Aisnet.Org/Pacis2016/82
Lim, K. B., & Tan, C. L. (2023). Understanding Of Peer-To-Peer Lending Platform Intention : Evidence Among Millennials. 15(3), 95–110.
Lina, L. F., Nani, D. A., & Novita, D. (2021). Millennial Motivation In Maximizing P2p Lending In Smes Financing. Journal Of Applied Business Administration, 5(2), 188–193. Https://Doi.Org/10.30871/Jaba.V5i2.3175
Maharseni, N. W. R., Rasmini, N. K., Ariyanto, D., & Mimba, N. P. S. H. (2022). Technology Acceptance Model Dalam Penggunaan Financial Technology Lending Pada Generasi Milenial. E-Jurnal Ekonomi Dan Bisnis Universitas Udayana, 11(05), 1000–1013. Https://Ojs.Unud.Ac.Id/Index.Php/Eeb/
Malikah, I. M., Mulyadi, D., & Sandi, S. P. H. (2022). Terhadap Minat Financial Technology Peer To Peer Lending ( Pinjaman Online ) Pada Mahasiswa Manajemen 2018-2019 Universitas Buana Perjuangan Karawang. Jurnal Mahasiswa Manajemen Dan Akuntansi Jmma, 2(3), 451–467.
Muadz, & Waluyo, B. (2022). Pengaruh Persepsi Kemudahan Penggunaan Dan Literasi Keuangan Syariah Terhadap Minat Memijam Di P2p Lending Syariah Dengan Promosi Sebagai Variabel Moderasi. Http://Prosiding-Old.Pnj.Ac.Id/Index.Php/Snampnj/Article/View/5850
Narastri, M. (2020). Financial Technology (Fintech) Di Indonesia Ditinjau Dari Perspektif Islam. Indonesian Interdisciplinary Journal Of Sharia Economics (Iijse), 2(2), 155–170. Https://Doi.Org/10.31538/Iijse.V2i2.513
Novitasari, N., & Suryandari, R. T. (2022). Analysis Of Factors That Influence The Continuous Intention To Use The Financial Technology Peer-To-Peer (P2p) Lending Services During The Covid-19 Pandemic. European Journal Of Business And Management Research, 7(3), 248–254. Https://Doi.Org/10.24018/Ejbmr.2022.7.3.1424
Nurdin, N., Azizah, W. N., & Rusli, R. (2020). Nurdin, N., Azizah, W. N., & Rusli, R. (2020). Pengaruh Pengetahuan,Kemudahan Dan Risiko Terhadap Minat Bertransaksi Menggunakan Finansial Technology (Fintech) Pada Mahasiswa Institut Agama Islam Negeri (Iain) Palu. In Jurnal Perbankan Dan Keuangan Syaria. Jurnal Perbankan Dan Keuangan Syariah, 2(2), 199–222. Https://Www.Bi.Go.Id
Ojk. (2023). Per 21 Agustus 2023.
Purnamasari, R. D. A., Sasana, H., & Novitaningtyas, I. (2021). Pengaruh Perceived Ease Of Use, Perceived Usefulness, Perceived Risk, Dan Brand Image Terhadap Keputusan Pembelian Menggunakan Metode Pembayaran Paylater. Jurnal Manajemen, 13(3), 420–430. https://Journal.Feb.Unmul.Ac.Id/Index.Php/Jurnalmanajemen/Article/View/10130
Rahma, D. N., & Sari, R. C. (2021). The Effect Of Financial Literacy, Digital Literacy, Performance Expectancy On Intention Behavior To Use Peer To Peer Lending. Jurnal Profita: Kajian Ilmu Akuntansi, 9(4), 54–68.
Rohman, A. N., Mukhsin, M., & Ganika, G. (2023). Penggunaan Technology Acceptance Model Dalam Analisis Actual Use Penggunaan E – Commerce Tokopedia Indonesia Use Of The Technology Acceptance Model In Analyzing Actual Use Of E - Commerce Tokopedia Indonesia. 25–36.
Sijabat, Y. P., Hutajulu, D. M., & Sihombing, P. (2019). Determinasi Technology Acceptance Model Terhadap Niat Penggunaan Fintech Sebagai Alat Pembayaran (Payment). Seminar Nasional Dan Call For Paper, 151–166.
Singh, N., & Sinha, N. (2020). How Perceived Trust Mediates Merchant’s Intention To Use A Mobile Wallet Technology. Journal Of Retailing And Consumer Services, 52(March 2019). Https://Doi.Org/10.1016/J.Jretconser.2019.101894
Sunardi, R., Hamidah, H., Dharmawan Buchdadi, A., & Purwana, D. (2022). Factors Determining Adoption Of Fintech Peer-To-Peer Lending Platform: An Empirical Study In Indonesia*. Journal Of Asian Finance, 9(1), 43–0051. Https://Doi.Org/10.13106/Jafeb.2022.Vol9.No1.0043
Sunardi, R., Suhud, U., Purwana, D., & Hamidah, H. (2021). Examining The Factors Contributing To Fintech Peer-To-Peer Lending Adoption. Journal Of Information Systems Engineering And Business Intelligence, 7(2), 91. Https://Doi.Org/10.20473/Jisebi.7.2.91-101
Vuković, M., Pivac, S., & Kundid, D. (2019). Technology Acceptance Model For The Internet Banking Acceptance In Split. Business Systems Research, 10(2), 124–140. Https://Doi.Org/10.2478/Bsrj-2019-022
Widyanto, H. A., Syahrivar, J., Genoveva, G., & Chairy, C. (2022). Intention To Use Peer-To-Peer (P2p) Lending: The Roles Of Perceived Structural Assurance And Perceived Critical Mass. Organizations And Markets In Emerging Economies, 31(1), 183–208. Https://Doi.Org/10.15388/Omee.2022.13.76
Yuniarti, V. (2020). Faktor-Faktor Yang Mempengaruhi Minat Penggunaan Financial Technology Peer To Peer Lending. July, 1–23.
Zakiyah, Diah Rahmatu. (2022). Perilaku Peminjaman Online (Gajian Duluan) Pada Karyawan Di Pt. Safe And Secure Guarding Diah. 2, 1015–1026.
Published
2024-09-26
How to Cite
WAHIDIYAH, Rahmatul 'Aini; PUTRA, Yuniarti Hidayah Suyoso; YUDHIYATI, Ratna.
DETERMINANT FACTORS INFLUENCING HOUSEWIVES TO USE PEER-TO-PEER LENDING SERVICES TO SUPPORT FAMILY FINANCES.
Proceedings of the International Conference of Islamic Economics and Business (ICONIES), [S.l.], v. 10, n. 1, p. 723-740, sep. 2024.
ISSN 2541-3333.
Available at: <https://conferences.uin-malang.ac.id/index.php/iconies/article/view/2907>. Date accessed: 03 feb. 2026.
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Articles
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
