Faktor-Faktor yang Mempengaruhi Minat Menggunakan Layanan Financial Technology Peer To Peer Lending Syariah
Abstract
The purpose of this study was to see the factors that influence the interest of users of Islamic peer to peer lending services using the Unified Theory Of Acceptance and Use Of Technology 2 (UTAUT2) model. The exogenous variables in this study are performance expectancy, effort expectancy, social influence, facilitating conditions, price value, hedonic motivation and habit, while the endogenous variable is behavior intention. The data was collected by distributing questionnaires using google forms. The data analysis technique used is Structural Equational Modeling (SEM). The results showed that the variables of performance expectancy, social influence, hedonic motivation and habit had no effect on behavior intention to use Islamic peer to peer landing fintech services, while the variables Effort Expectancy, Facilitating Condition and Price Value had a positive effect on behavior intention using Islamic peer to peer lending services.
Keywords: UTAUT2; Behavior Intention; Financial Peer To Peer Islamic Lending; SEM.
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References
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Amrullah, A & Priyono. A (2018). Integrasi Aspek Risiko dalam Model Unified Theory of Acceptance and Use of Tchnology untuk menganalisis Penerimaan Teknologi go-Ride. Jurnal Ilmiah Manajemen, 3 (1): 33-49
Aries Andrianto. (2020). Faktor Yang Mempengaruhi Behaviour Intention Untuk Penggunaan Aplikasi Dompet Digital Menggunakan Model UTAUT2. Jurnal Ilmiah Ekonomi isnis Volume 25 (2)
Ascaryo. Putro. Hendratmoko. (2019). Faktor-Faktor Yang Mempengaruhi Individu Dalam menggunakan Peer to Peer Lending dan Equity Crowd Funding di DKI Jkarta. Manajemen Keungan. Vol 1. 1-11
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Cai, S, Lin,, X, Xu, D., Fu, X .(2016). Judging online Peer to Peer lending behaviour. A Comparison of Firs time and repeated Borrowing RequetsInformation and management. 53 97). 857-867
Chang, C.M. Liu L.W Huang H.C., Hsieh, H.H. (2019). Factors Influenching Online Hotel Booking : Extending UTAUT2 with Age, Gender and Experience As Moderators. Information, Volume 10 (281)
Chuang, Lui dan Kao. (2016). The Adoptionof FintechService. TAM Prespective International Journal of Management and Administrative Science. Vol 3. ISSN:2225-7225
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Faridhal, M. (2019). Analisis Transaksi Pembayaran Non Tunai melalui e Walet: Prespektif dari Modifikasi Model UTAUT2. Jurnal Ilmiah Mahasiswa FEB Universitas Brawijaya. Volume 7 (2)
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Gayatrie, M.S. A.Kusyati, A saputra M.C. (2017). Analisis Penerimaan OS Windows 10 dengan UTAUT2, Jurnal Pengembangan Teknologi Informasi dan Ilmu Komputer. Volume 1 (6)
Guo H, et al. (2015). Factors Influenching The User Acceptance of Alipay. Journal Conrefence of Economy, Management and Education Technology (ICEMAET) 244-347
Ghozali, Imam. (2013). Aplikasi Analisis Multivariate dengan program IBM SPSS 21 Up date PLS Regresi, Semarang: Badan Penerbit Universitas Diponegoro.
Hartono, J dan Abdillah, W. (2014). Konsep dan Aplikasi PLS untuk penelitian Empiris dalam penelitian Bisnis, Yogyakarta. STIM YKPM
Kontan.co.id. Perkembangan peer to peer lending 2019-2020
Lee, W and Shin, (2019) An Emperical Study Of Consumer Adoption Of Internet of Things service International Journal Of Engineering and Technology Information. Volume 9 (1)
Lenz, R (2016). Peer to Peer Lending: Opportunities and Risks, European Journal Of Risk and Regulation 7 (4) 688-700
Liu,G-S dan P,T (2016). A Study of factors Affecting The Intention to Use Mobile Payment Services in Vietnam, Economic World. 4 (6); 249-273
Lubis, M. F. T. dan Rahmiati. (2019). User Acceptence Online Travel agents Agent For Millenials and Gen Z. Jurnal Mutiara Ilmu Ekonomi dan Bisnis. Volume 32 (2)
Kwateng, K. O, Aiemo, K. O. dan Appiah. (2019). Acceptance and Use of Mobile banking; An Aplication of UTAUT2. Journal of Enterprise Information Management. Volume 32 (1)
Nugraha,B .S., Idqan Fahmi., Tanti Novianti. (2020). Kajian Faktor Yang Mempengaruhi Adopsi Sistem Pinjaman.Jurnal Manajemen Teknologi. Volume 19 (1)
Nugroho. P. Winarno, W. W., dan Hartanto R. (2017). Faktor-Faktor Yang Mempengaruhi Niat menggunakan Mobile Payment dengan Pendekatan Extended The Unified Theory Of Acceptance and Use of Technology. Prosiding Seminar Nasional CITEE 2017
Nuriska, A., Assakdiah, S., & Setyawan, R. R. (2018). Factors Effecting behavior intention in Using Go Pay With The UTAUT2. Muhammadiyah International Journal Of Economic and Business. I (2)
Oliveira, T., Thomas, M., Baptista, G., dan Compos, F (2016). Mobil Paymen: UnderstandingThe Determinants Of Customer Adaptionand Intentionto Recommendedthe Tecnologi Computerin Human Behaviour 61 p 404-414
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Otoritas Jasa Keuangan. (2019). Ihktisar Keuangan Fintech (Peer to Peer Lending Agustus 2019). Diakses dari https://www.ojk.go.id/kanal/iknb/data
Pertiwi, N.W, Ariyanto D. (2017). Penerapan Model UTAUT2 Untuk Menjelaskan Minat dan Perilaku Penggunaan Mobile Banking di Kota Denpasar. E-Jurnal Akuntansi Universitas Udayana. Volume 18 (2)
Priyatmoko., Nugroho, Wing., Wahyu, W., dan Rudi Hartanto. (2017). Faktor-Faktor Yang Mempengaruhi Niat menggunakan Mobile Payment Dengan Pendekatan Extended The Unified Theory of Acceptance and Use of Technology. Yokyakarta: Departemen Teknik Elektro dan Teknologi Informasi. UGM
Putri, D. A., Harsono, dan L. D., (2017). The Use Modified Unified Theory Of Acceptance and Use of Technology 2 model To Analyze Factors Influencing Continuance Intention of e paymen Adoption (A Case Study of Go Pay From Indonesia). Injternational Journal of Science and Research. Volume 6 (11).
Raman, A., & Don Y. (2013). Preservice Teachers Acceptance Of Learning Management Software: An Application of The UTAUT2 Mode. International Education Studies. Volume 6 (7)
Ramdhani, A. B., Rachmawati, & Prabowo F. S. A. (2017). Pengaruh Adopsi Teknologi Layanan Uang Elektronik Telkomsel Cash menggunakan Pendekatan UTAUT 2e Proceding Management, Volume 4 (1)
Riski, Nanda, M., Ari Kusyanti, Himawati., & Aryadita. (2018). Analisis Faktor-faktor Yang mempengaruhi Niat Menggunakan E Commece XYZ Menggunakan Model UTATUT. Jurnal Pengembangan Teknologi Informasi dan Ilmu Komputer. Vol 2 (7) 2584-2593
Sekaran, V and Bougie R. (2016). Reseacrh Methods For Business A Skill Building approach Seventh Edition. In John and Wiley and Son Ltd.
Sivathanu, B. (2018). Adoption of Digital Paymen Systems in The Era Demonetization in India, Journal of Science and technology Policy Maagement.
Sugiono (2014). Metode Penelitian Pendidikan Pendekatan Kuantitatif, Kualitatif dan R &D
Sugiono (2018). Metode Penelitian Kuantitatif, Kualitatif, R&D In Bandung: Alfabeta.
Suwandi. M. A & Aziz E. (2018). Faktor-Faktor Yang Mempengaruhi Penggunaan E-Money pada Generasi Millenials (Studi Kasus Pada Mahasiswa S1 IPB) E Proceeding of Management. 5 (3): 3104-311
Venkatesh, V Morris M. G., Davis G. B. dan Davis F D. (2003) User Acceptence of Information Technology: Toward a Unified view.MIS Quarterly. 27 (3) 425-478
Veronica., Yuniarti., Wiwik H., dan Ekowati. (2019). Faktor-Faktor Yang Mempengaruhi Minat Penggunaan Financial Technologi Peer to Peer lending https://pdfs.semakticscholar.org
Wahyu. Meiranto. 2012. Analisis Faktor-Faktor Yang Mempengaruhi minat Pemanfaatan dan Penggunaan Teknology Pembayaran Elektronik Bergerak Dengan Menggunakan Model UTAUT. Jurnal Akuntansi Indonesia Vol 1. 50-60
Yum, H, Lee ., Chae, M. 2012. Electronoc Commerce Researc and application From The Wisdom Of Crowds to my Own Judment in Micrifinance Through online Peer to Peer lending flatform elctronic Commece. Research and Aplication, 11(5) 469-483
Zhou.T. (2013). An Emperical Examinationof Continuance Intention of Mobile Paymen service decision Support systems https://doi.org/10.1026/j.dss.201210.034
Zhu, Z (2018), Safety promise, moral hazzard and financial Supervision: Evidence from peer to Peer Lending, Finance Researc Letters 27 (March) 1-5 https://keuangan.kontan.co.id
Agustin, Henri, Mulyani. Erly. (2018). The Aceptance and Use of E-Leaning System Among Accountuing Lectures in State and Private University in Padang: An Emperical Study Based on UTAUT Model. 1^stInternational Conference on Economic Education, Economic Business and Management Accounting and Enterpreneurship (PICEEBA). Padang. 6-13
Alkhowaiter, W.A. (2020) Digital Payment and Banking Adoption Reseaarch In Gulf Countries; A Systematic Literature Review, International Journal Of Information Management
Alalwan, A. A Dwivedi, Y.K Dan Rana. N.P (2017) Factors InfluencingAdaption of Mobile Banking By Jourdanian Bank Customer: Extending UTAUT2 With Trust. International Journal of Information Management 37 (3), p 9-110.
Amrullah, A & Priyono. A (2018). Integrasi Aspek Risiko dalam Model Unified Theory of Acceptance and Use of Tchnology untuk menganalisis Penerimaan Teknologi go-Ride. Jurnal Ilmiah Manajemen, 3 (1): 33-49
Aries Andrianto. (2020). Faktor Yang Mempengaruhi Behaviour Intention Untuk Penggunaan Aplikasi Dompet Digital Menggunakan Model UTAUT2. Jurnal Ilmiah Ekonomi isnis Volume 25 (2)
Ascaryo. Putro. Hendratmoko. (2019). Faktor-Faktor Yang Mempengaruhi Individu Dalam menggunakan Peer to Peer Lending dan Equity Crowd Funding di DKI Jkarta. Manajemen Keungan. Vol 1. 1-11
Baihaqi, Jadzil (2018). Financial Technologi Peer to peer lending Berbasis syariah di Indonesia, Journal of Sharia Economic Law Vol 1 (2).
Brown. S.a and Ventakesh.V. (2005). A Model of Adoption of Technology In The Hausehold A base Ine Model Test And Extention Incorporating Hausehold Life Cycle. MIS Quartely. Volume 29 (3)
Budiato,R. (2018). Analisis Faktor adopsi Aplikasi Mobile Berdasarkan Pengalaman, Usia dan Jenis Kelamin Menggunakan UTAUT2. Jurnal Ilmiah Teknologi Sistem Informasi, Volume 32 (2)
Cao, Q. & Niu, X. (2019). Integrating Contex_Awareness and UTATUT to explain Alipay User Adoption. International Journal of Indstrial Ergonomics: 69:9-13
Cai, S, Lin,, X, Xu, D., Fu, X .(2016). Judging online Peer to Peer lending behaviour. A Comparison of Firs time and repeated Borrowing RequetsInformation and management. 53 97). 857-867
Chang, C.M. Liu L.W Huang H.C., Hsieh, H.H. (2019). Factors Influenching Online Hotel Booking : Extending UTAUT2 with Age, Gender and Experience As Moderators. Information, Volume 10 (281)
Chuang, Lui dan Kao. (2016). The Adoptionof FintechService. TAM Prespective International Journal of Management and Administrative Science. Vol 3. ISSN:2225-7225
Enaizan.B. Mohammed, A.G. Alnoor, A., Alabbodi. A.S and Enaizan, O. (2019). Custome Acceptence Of Mobile Marketing in Jordan: An Extended UTAUT2 Model With Trust and Risk Factors, International Journal Of Engineering Business management. Volume 11
Faridhal, M. (2019). Analisis Transaksi Pembayaran Non Tunai melalui e Walet: Prespektif dari Modifikasi Model UTAUT2. Jurnal Ilmiah Mahasiswa FEB Universitas Brawijaya. Volume 7 (2)
Financial Bisnis.com, (2020). Perkembangan Peer to Peer lending syariah tahun 2020.
Gayatrie, M.S. A.Kusyati, A saputra M.C. (2017). Analisis Penerimaan OS Windows 10 dengan UTAUT2, Jurnal Pengembangan Teknologi Informasi dan Ilmu Komputer. Volume 1 (6)
Guo H, et al. (2015). Factors Influenching The User Acceptance of Alipay. Journal Conrefence of Economy, Management and Education Technology (ICEMAET) 244-347
Ghozali, Imam. (2013). Aplikasi Analisis Multivariate dengan program IBM SPSS 21 Up date PLS Regresi, Semarang: Badan Penerbit Universitas Diponegoro.
Hartono, J dan Abdillah, W. (2014). Konsep dan Aplikasi PLS untuk penelitian Empiris dalam penelitian Bisnis, Yogyakarta. STIM YKPM
Kontan.co.id. Perkembangan peer to peer lending 2019-2020
Lee, W and Shin, (2019) An Emperical Study Of Consumer Adoption Of Internet of Things service International Journal Of Engineering and Technology Information. Volume 9 (1)
Lenz, R (2016). Peer to Peer Lending: Opportunities and Risks, European Journal Of Risk and Regulation 7 (4) 688-700
Liu,G-S dan P,T (2016). A Study of factors Affecting The Intention to Use Mobile Payment Services in Vietnam, Economic World. 4 (6); 249-273
Lubis, M. F. T. dan Rahmiati. (2019). User Acceptence Online Travel agents Agent For Millenials and Gen Z. Jurnal Mutiara Ilmu Ekonomi dan Bisnis. Volume 32 (2)
Kwateng, K. O, Aiemo, K. O. dan Appiah. (2019). Acceptance and Use of Mobile banking; An Aplication of UTAUT2. Journal of Enterprise Information Management. Volume 32 (1)
Nugraha,B .S., Idqan Fahmi., Tanti Novianti. (2020). Kajian Faktor Yang Mempengaruhi Adopsi Sistem Pinjaman.Jurnal Manajemen Teknologi. Volume 19 (1)
Nugroho. P. Winarno, W. W., dan Hartanto R. (2017). Faktor-Faktor Yang Mempengaruhi Niat menggunakan Mobile Payment dengan Pendekatan Extended The Unified Theory Of Acceptance and Use of Technology. Prosiding Seminar Nasional CITEE 2017
Nuriska, A., Assakdiah, S., & Setyawan, R. R. (2018). Factors Effecting behavior intention in Using Go Pay With The UTAUT2. Muhammadiyah International Journal Of Economic and Business. I (2)
Oliveira, T., Thomas, M., Baptista, G., dan Compos, F (2016). Mobil Paymen: UnderstandingThe Determinants Of Customer Adaptionand Intentionto Recommendedthe Tecnologi Computerin Human Behaviour 61 p 404-414
Otoritas Jasa Keuangan. (2016). Peraturan Otoritas Jasa Keuangan POJK No 77/POJK.01/2016Tentang pinjam MeminjamUang berbasis Teknologi Informasi. Diakses dari www.ojk.go.id.
Otoritas Jasa Keuangan. (2019). Ihktisar Keuangan Fintech (Peer to Peer Lending Agustus 2019). Diakses dari https://www.ojk.go.id/kanal/iknb/data
Pertiwi, N.W, Ariyanto D. (2017). Penerapan Model UTAUT2 Untuk Menjelaskan Minat dan Perilaku Penggunaan Mobile Banking di Kota Denpasar. E-Jurnal Akuntansi Universitas Udayana. Volume 18 (2)
Priyatmoko., Nugroho, Wing., Wahyu, W., dan Rudi Hartanto. (2017). Faktor-Faktor Yang Mempengaruhi Niat menggunakan Mobile Payment Dengan Pendekatan Extended The Unified Theory of Acceptance and Use of Technology. Yokyakarta: Departemen Teknik Elektro dan Teknologi Informasi. UGM
Putri, D. A., Harsono, dan L. D., (2017). The Use Modified Unified Theory Of Acceptance and Use of Technology 2 model To Analyze Factors Influencing Continuance Intention of e paymen Adoption (A Case Study of Go Pay From Indonesia). Injternational Journal of Science and Research. Volume 6 (11).
Raman, A., & Don Y. (2013). Preservice Teachers Acceptance Of Learning Management Software: An Application of The UTAUT2 Mode. International Education Studies. Volume 6 (7)
Ramdhani, A. B., Rachmawati, & Prabowo F. S. A. (2017). Pengaruh Adopsi Teknologi Layanan Uang Elektronik Telkomsel Cash menggunakan Pendekatan UTAUT 2e Proceding Management, Volume 4 (1)
Riski, Nanda, M., Ari Kusyanti, Himawati., & Aryadita. (2018). Analisis Faktor-faktor Yang mempengaruhi Niat Menggunakan E Commece XYZ Menggunakan Model UTATUT. Jurnal Pengembangan Teknologi Informasi dan Ilmu Komputer. Vol 2 (7) 2584-2593
Sekaran, V and Bougie R. (2016). Reseacrh Methods For Business A Skill Building approach Seventh Edition. In John and Wiley and Son Ltd.
Sivathanu, B. (2018). Adoption of Digital Paymen Systems in The Era Demonetization in India, Journal of Science and technology Policy Maagement.
Sugiono (2014). Metode Penelitian Pendidikan Pendekatan Kuantitatif, Kualitatif dan R &D
Sugiono (2018). Metode Penelitian Kuantitatif, Kualitatif, R&D In Bandung: Alfabeta.
Suwandi. M. A & Aziz E. (2018). Faktor-Faktor Yang Mempengaruhi Penggunaan E-Money pada Generasi Millenials (Studi Kasus Pada Mahasiswa S1 IPB) E Proceeding of Management. 5 (3): 3104-311
Venkatesh, V Morris M. G., Davis G. B. dan Davis F D. (2003) User Acceptence of Information Technology: Toward a Unified view.MIS Quarterly. 27 (3) 425-478
Veronica., Yuniarti., Wiwik H., dan Ekowati. (2019). Faktor-Faktor Yang Mempengaruhi Minat Penggunaan Financial Technologi Peer to Peer lending https://pdfs.semakticscholar.org
Wahyu. Meiranto. 2012. Analisis Faktor-Faktor Yang Mempengaruhi minat Pemanfaatan dan Penggunaan Teknology Pembayaran Elektronik Bergerak Dengan Menggunakan Model UTAUT. Jurnal Akuntansi Indonesia Vol 1. 50-60
Yum, H, Lee ., Chae, M. 2012. Electronoc Commerce Researc and application From The Wisdom Of Crowds to my Own Judment in Micrifinance Through online Peer to Peer lending flatform elctronic Commece. Research and Aplication, 11(5) 469-483
Zhou.T. (2013). An Emperical Examinationof Continuance Intention of Mobile Paymen service decision Support systems https://doi.org/10.1026/j.dss.201210.034
Zhu, Z (2018), Safety promise, moral hazzard and financial Supervision: Evidence from peer to Peer Lending, Finance Researc Letters 27 (March) 1-5 https://keuangan.kontan.co.id
Published
2021-05-25
How to Cite
HASIBUAN, Henny Triyana.
Faktor-Faktor yang Mempengaruhi Minat Menggunakan Layanan Financial Technology Peer To Peer Lending Syariah.
E-Jurnal Akuntansi, [S.l.], v. 31, n. 5, p. 1201-1215, may 2021.
ISSN 2302-8556.
Available at: <https://ojs.unud.ac.id/index.php/akuntansi/article/view/70876>. Date accessed: 24 apr. 2024.
doi: https://doi.org/10.24843/EJA.2021.v31.i05.p10.
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