BEHAVIOR INTENTION OF SHARIA BORROWER PEER-TO-PEER LENDING IN INDONESIA THROUGH UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY (UTAUT) THEORY MODEL Jajang W. Mahri, Juliana, Aneu Cakhyaneu, Fitranty Adirestuty, Neni Sri Wulandari
Ilmu Ekonomi dan Keuangan Islam , universitas Pendidikan indonesia
Abstract
Purpose - This study aims to determine the acceptance and intention of using Islamic peer-to-peer lending services in Indonesia by borrowers.
Design / Methodology / Approach - The research methodology used in this research is descriptive quantitative with Partial Least Square - Structural Equation Modeling (PLS-SEM) technique.
Findings - Based on the results of this study, it was found that effort expectancy, habit, and hedonic motivation have a positive and significant influence on the behavioral intentions of Islamic peer-to-peer lending borrowers. Performance expectancy, social influence, facilitating conditions, and price value have no effect on the behavioral intention of lenders, while facilitating conditions, habit and behavioral intention have a direct influence on the use behavior of borrowers.
Practical Implication - The results of this study are expected to be an additional literature for sharia fintech lending to improve service quality for users, especially borrowers.
