Nabila, Jihan (2022) Analisis Faktor Yang Memengaruhi Intensi Penggunaan P2P Lending Platform Menggunakan Structural Equation Modeling: Sisi Peminjam (Studi Kasus: Cicil). Other thesis, Institut Teknologi Sepuluh Nopember.
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Abstract
Konteks: Penggunaan teknologi finansial khususnya dalam sektor pinjaman dan penyediaan modal sedang marak terjadi di Indonesia. Hal tersebut dibuktikan dengan peningkatan jumlah transaksi penyaluran pinjaman oleh layanan peer-to-peer lending (P2P lending) yang terjadi setiap tahunnya. Meskipun begitu, P2P lending merupakan layanan finansial yang memiliki banyak manfaat sekaligus risiko. Terlebih lagi diketahui bahwa terdapat perbedaan yang sangat besar antara pengetahuan finansial yang dimiliki masyarakat Indonesia dengan intensitas penggunaan produk layanan jasa keuangan. Berdasarkan hal tersebut, muncul kebutuhan untuk mengidentifikasi faktor yang dapat mempengaruhi intensi penggunaan layanan P2P lending. Permasalahan: Saat ini masih banyak penyelenggara P2P lending yang sudah terdaftar di OJK namun belum memiliki tanda berizin oleh OJK. Untuk dapat memenuhi perizinan tersebut, penyedia layanan P2P lending harus memperhatikan arah pengembangan IT yang akan dibentuk sekaligus menjaga standar layanan sesuai dengan kebutuhan pengguna. Berdasarkan kondisi tersebut, diperlukan identifikasi terkait faktor yang memengaruhi masyarakat Indonesia untuk menggunakan layanan finansial berupa pinjaman online di P2P lending. Namun, penelitian yang memfokuskan mengenai topik tersebut masih sangat sedikit dilakukan, sehingga penelitian lebih lanjut terkait faktor-faktor yang mempengaruhi niat pengguna dalam melakukan pinjaman di P2P lending perlu dilakukan. Tujuan: Penelitian tugas akhir ini bertujuan untuk mengidentifikasi hubungan struktural atas pengaruh variabel-variabel penelitian yang mempengaruhi intensi pengguna layanan pinjaman pada P2P lending serta menyusun laporan hasil analisis dan rekomendasi kepada penyedia layanan P2P lending yaitu Cicil sebagai bahan pertimbangan untuk membuat kebijakan strategis terkait arah pengembangan IT. Metode: Penelitian dalam tugas akhir ini akan menggunakan metode Partial Least Square-Structural Equation Modeling (PLS-SEM) dengan mengadopsi beberapa variabel dari teori TAM dan UTAUT sebagai model dasar. Metode pengambilan data dilakukan secara daring dengan menyebarkan google form kepada responden yang pernah menggunakan layanan pinjaman online di Cicil melalui media sosial seperti Instagram, Twitter, WhatsApp, dan LinkedIn. Hasil: Hasil analisis dari penelitian ini menunjukkan bahwa intensi penggunaan P2P lending platform dipengaruhi oleh beberapa faktor, antara lain: faktor Perceived Usefulness (PU) yang memengaruhi sebesar 0,223, faktor Individual Mobility (IM) yang memengaruhi sebesar 0,143, faktor Hedonic Motivation (HM) yang memengaruhi sebesar 0,174, faktor Subjective Norms (SN) yang memengaruhi sebesar 0,294, dan faktor Personal Innovativeness (PI) yang memengaruhi sebesar 0,217. Berdasarkan hasil penelitian, dibentuk beberapa rekomendasi kepada penyedia layanan P2P lending platform yang dapat dijadikan masukan untuk pengembangan layanan. Kemudian, penelitian ini juga memberikan usulan penambahan variabel Perceived Financial Cost, Facilitating Conditions, dan Government Support sebagai rekomendasi untuk penelitian selanjutnya.
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Context: The use of financial technology, especially in the loan and fund provision sector, is currently rife in Indonesia. It can be seen from the increase in the number of lending transactions through peer to-peer lending (P2P lending) services that occur every year. Even so, P2P lending is a financial service that has many benefits as well as risks. Moreover, it is known that there is a huge gap between the financial knowledge possessed by the Indonesian people and the frequency of financial service product usage. Based on that, there is a need to identify factors that can influence the intention to use P2P lending services. Problem: Currently, there are many P2P lending providers that have been registered in OJK but still do not have any operational permits from OJK. To be able to obtain these permits, P2P lending service providers must pay attention to IT development trends while maintaining service standards according to user needs. Based on these conditions, it is necessary to identify the factors that influence the Indonesian people to use financial services in the form of online loans in P2P lending. However, research that focuses on this topic is still very limited, because of that, further research about the factors that influence users' intentions to make loans in P2P lending needs to be done. Purpose: The aim of this final project research is to identify the structural relationship between the researched variables that influence the intention of loan service users in P2P lending and to produce analysis and recommendations reports to P2P lending service providers (Cicil) as a consideration for making strategic policies related to IT development strategies. Methods: The research in this final project used Partial Least Square-Structural Equation Modeling (PLS-SEM) method by adopting several variables from TAM and UTAUT theories as the basic model. The data collection method is carried out online by distributing google forms to respondents who have used online loan services in Cicil through social media such as Instagram, Twitter, WhatsApp, and LinkedIn. Result: The analysis result of this study indicates that the intention to use the P2P lending platform is influenced by several factors, including Perceived Usefulness (PU) which affects 0.223, Individual Mobility (IM) which affects 0.143, Hedonic Motivation (HM) which affects 0.174, Subjective Norms (SN) which affects 0.294, and Personal Innovativeness (PI) which affects 0.217. Based on the results, several recommendations were made for the P2P lending platform providers that can be used as input for the development of their services. This study also proposes recommendations for future research that include Perceived Financial Cost, Facilitating Conditions, and Government Support variables as additional research variables in the research model.
| Item Type: | Thesis (Other) |
|---|---|
| Additional Information: | RSSI 658.834 3 Nab a-1 2022 |
| Uncontrolled Keywords: | P2P lending. Structural Equation Modeling. Teknologi Finansial. Intensi Pengguna. P2P lending. Financial Technology. Intention to Use. Structural Equation Modeling (SEM). |
| Subjects: | H Social Sciences > HD Industries. Land use. Labor > HD30.213 Management information systems. Dashboards. Enterprise resource planning. |
| Divisions: | Faculty of Intelligent Electrical and Informatics Technology (ELECTICS) > Information System > 57201-(S1) Undergraduate Thesis |
| Depositing User: | Mr. Marsudiyana - |
| Date Deposited: | 04 Jun 2026 07:37 |
| Last Modified: | 04 Jun 2026 07:37 |
| URI: | http://repository.its.ac.id/id/eprint/133577 |
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