Conceptual model of use behavior for peer-to-peer lending in Indonesia

Mudjahidin,; Hidayat, Alifiansyah Arrizqy; Aristio, Andre Parvian

doi:10.1016/j.procs.2021.12.134

Cited by 4 publications

(3 citation statements)

References 23 publications

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“…Many studies in the field of technological innovation have used TAM, such as electronic marketing (AlHadid et al 2022;Hong et al 2016), education (Chintalapati and Daruri 2017;Scherer et al 2019), banking (Abd Ghani et al 2017, and electronic money (Aji et al 2020;Widayat et al 2020). Further, studies on P2P lending platforms have incorporated the TAM (Hidayat and Aristio 2022;Sunardi et al 2022). Other studies have discussed TAM for P2P lending services to increase individual intentions when using P2P online lending services (Khan et al 2021;Ichwan and Kasri 2019).…”

Section: Technology Acceptance Model (Tam)mentioning

confidence: 99%

What Makes Gen Z in Indonesia Use P2P Lending Applications: An Extension of Technology Acceptance Model

Yanto,

Putra,

Rahmani

et al. 2024

J. Sistem Inf. (J. Inf. Sys.)

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This study aims to determine the factors influencing Gen Z members in Indonesia using P2P lending applications. This study extended TAM by collaborating with important constructs, such as trust, perceived risk, and hedonic motivation, to explain Generation Z’s intention to use P2P lending applications. This study utilized an online survey to acquire data. The total sample size was 305 users of P2P lending applications from Generation Z. The obtained data were then analyzed using PLS-SEM. The results show that perceived usefulness has no effect on the intention to use P2P lending applications. Meanwhile, trust mediates the relationship between perceived ease of use and perceived usefulness on intention to use P2P lending applications. The results show that Generation Z's intention to use P2P lending applications is influenced by technological sophistication factors, the belief that P2P lending applications guarantee their privacy concerns and security risks, and the existence of pleasant experiences.

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Section: Technology Acceptance Model (Tam)mentioning

confidence: 99%

What Makes Gen Z in Indonesia Use P2P Lending Applications: An Extension of Technology Acceptance Model

Yanto,

Putra,

Rahmani

et al. 2024

J. Sistem Inf. (J. Inf. Sys.)

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“…Such an approach was chosen to evaluate the practice and implementation of information transparency in sharia P2P lending. Evaluation research evaluates case studies using a modified theory (Mudjahidin et al, 2021). Based on previous studies, it can be concluded that evaluation and exploratory research using qualitative case studies are still rarely conducted on the practice of information transparency in sharia P2P lending, as current research on such transparency mostly employs quantitative methods.…”

Section: Introductionmentioning

confidence: 99%

Is information transparency important for funders? A case study of sharia P2P lending companies in Indonesia

Oktaviani

Dewi

2023

JAI

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Research aims: This study explores the importance of information transparency for funders as parties who provide funding to borrowers' projects. It also analyzes information transparency practices in sharia P2P lending.Design/Methodology/Approach: The study used a qualitative case study, focusing on three sharia P2P lending companies in Indonesia. Data were collected through interviews with parties from three sharia P2P lending companies and 11 funders.Research findings: It was found that information transparency is important for funders, increasing their confidence to invest. In addition, based on multiple agency theory, there is information asymmetry between funders and sharia P2P lending borrowers, which can be reduced by information transparency measures from funders, sharia P2P lending, and borrowers based on cost-benefit considerations. Theoretical contribution/Originality: This research explores the application of information transparency in sharia P2P lending companies, which, as far as researchers are concerned, has not been raised in previous studies. In addition, the study builds a conceptual framework of information transparency in sharia P2P lending companies based on multiple agency theory. Practitioner implication: The research has implications for applying information transparency in sharia P2P lending, which can improve information updates and communication from sharia P2P lending to its funders.Research limitation/Implication: The study only focused on three out of the seven sharia P2P lending in Indonesia. Therefore, the differences in business, focus, and other characteristics of the remaining four were not considered.

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“…Several previous studies (A. Basha et al 2021;Mudjahidin et al 2022;Risna Kartika, 2020b;Suryono et al 2021Suryono et al , 2019Suryono and Budi, 2020) conducted research on P2PL fintech in assessing the obstacles that exist in the P2PL fintech industry. Research on P2PL fintech is relatively low, this can be a research gap from previous studies through fintech mapping studies in Indonesia.…”

Section: Introductionmentioning

confidence: 99%

Performance Mapping Of Fintech Peer To Peer Lending (P2PL) in Indonesia

Situmorang

Siregar

Zulbainarni

et al. 2023

jabm

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The development of Peer-to-Peer Lending (P2PL) fintech in Indonesia was growing fast. In the midst of this rapid growth, a volatile pattern shows the dynamics of the P2PL in terms of its performance. This study aims to map the performance of fintech P2PL. The data used are the total disbursement of loans and non-performing loans obtained from each company's website and aggregate data published by the Financial Services Authority (OJK). In this study, a website scraping from 102 fintech companies was obtained from each platform to obtain Non-Performing Loan (NPL) value and accumulated loan distribution. This study also uses the hierarchical clustering method to group each P2PL based on NPL and accumulated loan disbursement. Based on the hierarchical clustering analysis, three clusters distinguish the characteristics of grouping P2PL companies. In first cluster, there are 3 companies with high distribution and low NPL, while in the second cluster consists of 13 companies categorized as poor performance because they related to the low disbursement and high NPL value. In the third cluster there are 71 companies with moderate disbursement and NPL. Based on this mapping several things need to be improved, starting from developing a risk management and monitoring system, lending and operating supervision.

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Conceptual model of use behavior for peer-to-peer lending in Indonesia

Cited by 4 publications

References 23 publications

What Makes Gen Z in Indonesia Use P2P Lending Applications: An Extension of Technology Acceptance Model

What Makes Gen Z in Indonesia Use P2P Lending Applications: An Extension of Technology Acceptance Model

Is information transparency important for funders? A case study of sharia P2P lending companies in Indonesia

Performance Mapping Of Fintech Peer To Peer Lending (P2PL) in Indonesia

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