Alida, Fianita Nur (2021) Determinan Niat Berperilaku dan Perilaku Penggunaan Aplikasi Pinjaman Daring. Sarjana thesis, Universitas Brawijaya.
Abstract
Penggunaan teknologi finansial terus bertumbuh di Indonesia, salah satunya penggunaan terhadap teknologi finansial berupa aplikasi pinjaman daring. Pertumbuhan tersebut turut memberi dampak positif yaitu terjadinya peningkatan inklusi keuangan. Penelitian ini bertujuan untuk mengetahui Niat Berperilaku dan Perilaku Pengunaan aplikasi pinjaman daring melalui Unified Theory of Acceptance of Use of Technology 2 (UTAUT2). Penelitian ini merupakan penelitian kuantitatif dan data dikumpulkan menggunakan metode survei, yaitu kuesioner. Responden penelitian ini adalah 140 pengguna aplikasi pinjaman daring yang merupakan peminjam dana. Penelitian ini menggunakan model persamaan struktural (SEM) berdasarkan metode Partial Least Squares (PLS). Data penelitian dianalisis menggunakan SmartPLS 3.0. Hasil penelitian menunjukkan Ekspektasi Kinerja, Ekspektasi Usaha, Pengaruh Sosial, Kondisi yang Memfasilitasi, Motivasi Hedonis, dan Nilai Harga berpengaruh terhadap Niat Berperilaku. Kebiasaan dan Niat Berperilaku berpengaruh positif terhadap Perilaku Penggunaan. Sementara, Kebiasaan tidak berpengaruh terhadap Niat Berperilaku dan Kondisi yang Memfasilitasi tidak berpengaruh terhadap Perilaku Penggunaan.
English Abstract
The use of financial technology continues to grow in Indonesia, including the use of financial technology in the form of online loan applications. This growth also has a positive impact on increasing financial inclusion. This study aims to determine Behavioral Intention and Use Behavior in using online loan applications through Unified Theory of Acceptance of Use of Technology 2 (UTAUT2). This research is a quantitative study and the data were collected using a questionnaire survey method. The respondents of this study were 140 users of online loan applications who were borrowers of funds. This study uses a structural equation model (SEM) based on the Partial Least Squares (PLS) method. Research data were analyzed using SmartPLS 3.0. The results of the study show that Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Condition, Hedonic Motivation, and Price Value affect Behavioral Intention. Habit and Behavior Intention have a positive effect on Use Behavior. Meanwhile, Habit has no effect on Behavioral Intention and Facilitating Condition has no effect on Use Behavior.
Other obstract
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| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | 0521020210 |
| Uncontrolled Keywords: | Unified Theory of Acceptance and Use of Technology (UTAUT2), Teknologi Finansial, P2P Lending, Pinjaman Daring, Niat Berperilaku, Perilaku Penggunaan, Unified Theory of Acceptance and Use of Technology (UTAUT2), Financial Technology, P2P Lending, Online Loan, Behavioral Intention, Use Behavior |
| Subjects: | 300 Social sciences > 330 Economics |
| Divisions: | Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi |
| Depositing User: | Nur Cholis |
| Date Deposited: | 12 Jan 2022 08:02 |
| Last Modified: | 24 Feb 2022 04:06 |
| URI: | http://repository.ub.ac.id/id/eprint/188281 |
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Text (DALAM MASA EMBARGO)
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