ANALISIS LITERASI KEUANGAN, PERSEPSI KEMUDAHAN FINTECH P2P LENDING DAN PEMAHAMAN REGULASI OJK TERHADAP KEPUTUSAN PENGGUNAAN SHOPEE PINJAM
Keywords:
Financial Literacy, Perceived Convenience, Fintech P2P Lending, OJK Regulation, Shopee Pinjam, Literasi Keuangan, Persepsi Kemudahan, Regulasi OJKAbstract
This study aims to determine Financial Literacy, Perceptions of the Ease of Fintech P2P Lending and Understanding of Ojk Regulations on the Decision to Use Shopee Pinjam which was conducted to Shopee Pinjam users as research subjects. The sample in this study were 75 respondents with the sampling technique used was using the probability sampling method (random sampling) using the distribution of questionnaires. The data analysis technique used is the SEM-PLS analysis technique with a calculation process supported by SmartPLS 4.0 software. The results of this study indicate that the variables of Financial Literacy, Perception of the Ease of Fintech P2P Lending, and Understanding Ojk Regulations have a positive and significant effect on the Decision to Use Shopee Pinjam with an R-square (R2) value of 0.768 or 76%.
References
B. Laksana Putra, A. Ambar Rifqi, S. Al Masyhuri, F. Ekonomi dan Bisnis, and U. Muhammdiyah Surabaya, “Rendahnya Literasi Keuangan Terhadap Keinginan Melakukan Pinjaman Online (Studi Kasus Mahasiswa Progam Studi Manajemen Universitas Muhammadiyah Surabaya),” 2023.
W. Sugita and N. K. Sinarwati, “Peran Literasi dan Inklusi Keuangan Terhadap Prilaku Keuangan di Masa Pandemi (Study Kasus pada UMKM Kabupaten Buleleng),” J. Akunt. Profesi, vol. 13, pp. 223–232, 2022, [Online]. Available: https://ejournal.undiksha.ac.id/index.php/JAP/article/view/42230%0Ahttps://ejournal.undiksha.ac.id/index.php/JAP/article/download/42230/21725
A. Rossa and F. Ashfath, “Pengaruh Persepsi Kemudahan Penggunaan, Kepercayaan, Risiko dan Keamanan terhadap Impulse Buying Pengguna SPaylater (Shopee Paylater) di Jadetabek,” Semin. Nas. Akunt. dan Manaj. …, pp. 1–15, 2022, [Online]. Available: http://prosiding-old.pnj.ac.id/index.php/snampnj/article/view/5518
Purwanti, “Pengaruh Financial Knowledge, Financial Attitude, Presepsi Kemudahan, Sosial Demografi Penggunaan Dana Dompet Digital Terhadap Financial Management Behavior (Studi Empiris Konsumen Mahasiswa di Pelita Bangsa),” J. Daya Saing, vol. 7, no. 1, pp. 57–64, 2021, [Online]. Available: https://www.ejournal.kompetif.com/index.php/dayasaing/article/view/554
N. K. R. Evimalia and N. W. A. E. Wati, “Pengaruh Persepsi Kemudahan Penggunaan, Resiko Dan Regulasi Untuk Melakukan Transaksi Pinjaman Dana Menggunakan Platform Financial Technologi (Fintech) Peer To Peer (P2P) Lending Danamas Di Kota Denpasar,” Hita Akunt. dan Keuang., vol. 3, no. 1, pp. 1–10, 2022, doi: 10.32795/hak.v3i1.2279.
B. Wibowo, P. Pascasarjana, P. Magister, T. Elektro, and U. M. Buana, “Analisa regulasi fintech dalam membangun perekonomian di indonesia,” 2016.
A. Lusardi, “Literasi Keuangan dan Kebutuhan akan Keuangan Pendidikan: Bukti dan Implikasi,” Swiss J. Econ. Stat., vol. 5, no. 1, pp. 1–8, 2019.
C. Herdinata and C. Kohardinata, “Pengaruh Regulasi Dan Kolaborasi Terhadap Literasi Keuangan Dalam Upaya Penerapan Financial Technology Pada Usaha Kecil Dan Menengah,” Bus. Financ. J., vol. 4, no. 2, pp. 135–140, 2019, doi: 10.33086/bfj.v4i2.1358.
M. A. Syah, “Analisis Tingkat Literasi Keuangan Mahasiswa Perguruan Tinggi Negeri,” J. Ilmu Manaj., vol. 10, no. 2, pp. 545–553, 2002, [Online]. Available: https://journal.unesa.ac.id/index.php/jim/article/view/17987
M. H. Yahaya and K. Ahmad, “Faktor-Faktor Yang Mempengaruhi Penerimaan Financial Technology Kalangan Asnaf Untuk Pendistribusian Zakat di Selangor - Studi Menggunakan UTAUT,” J. Islam. Financ., vol. 8, pp. 035–345, 2019.
E. N. Siskawati and M. N. Ningtyas, “Financial Literature, Financial Technology and Student Financial Behavior,” Dialekt. J. Ekon. dan Ilmu Sos., vol. 7, no. 2, pp. 102–113, 2022, doi: 10.36636/dialektika.v7i2.1334.
R. E. Putri, G. Goso, R. S. Hamid, and I. Ukkas, “Pengaruh Literasi Keuangan, Financial Technology dan Inklusi Keuangan terhadap Kinerja Keuangan Pengusaha Muda.,” Owner, vol. 6, no. 2, pp. 1664–1676, 2022, doi: 10.33395/owner.v6i2.790.
D. Silaswara, “Analysis of Public Perceptions of the Use of Online Loan Applications.,” Primanomics J. Econ. Bus., vol. 3, pp. 1–11, 2022, [Online]. Available: https://jurnal.ubd.ac.id/index.php/ds %7C
V. Yuniarti, “Faktor – Faktor Yang Memengaruhi Minat Penggunaan Financial Technology Peer To Peer Lending,” J. Ilm. Mhs. FEB, pp. 1–22, 2019.
F. Haikal and C. Wijayangka, “Correlation of Financial Literation Between the Online Lending Study on Telkom University Students Comsumers of the Cicil.Co.Id,” eProceedings Manag., vol. 8, no. 2, pp. 1226–1234, 2021.
