Published: 2025-06-01

Fintech Peer to Peer Lending: Determinan dari Intensi Penggunaan Kembali

DOI: 10.35870/jemsi.v11i3.4175

Ratna Dewi Kusumawati, Apriani Simatupang, Mahsun, Husnul Muamilah, Tia Rahmatika
  • Ratna Dewi Kusumawati: Politeknik Negeri Balikpapan
  • Apriani Simatupang: Universitas Pelita Harapan
  • Mahsun: Politeknik Negeri Balikpapan
  • Husnul Muamilah: Politeknik Negeri Balikpapan
  • Tia Rahmatika: Politeknik Negeri Balikpapan
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Abstract

This study was conducted with carefully to show the result of the influence of some selected factors to the intention to reuse P2P lending by former borrowers. The selected factors are trust, ubiquity, and perceived usefulness. The background of this study is due to phenomenon of the drastic decline of P2P lending platform providers in recent years. The amount of data collected and can be processed through the distribution of questionnaires to the respondent is 123. The results show that ubiquity and perceived usefulness variable significantly affect intention to reuse P2P lending variable, but trust has no significant influence to the intention to reuse P2P lending. The rest, the F test conducted indicate that the variables of trust, ubiquity, and perceived usefulness simultaneously affect intention to reuse P2P lending.

Keywords

Fintech; P2P Lending; Intention To Reuse; Trust; Ubiquity; Perceived Usefulness

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How to Cite

Kusumawati, R. D., Simatupang, A., Mahsun, Muamilah, H., & Rahmatika, T. (2025). Fintech Peer to Peer Lending: Determinan dari Intensi Penggunaan Kembali. JEMSI (Jurnal Ekonomi, Manajemen, Dan Akuntansi), 11(3), 1630-1638. https://doi.org/10.35870/jemsi.v11i3.4175
Article Information

This article has been peer-reviewed and published in the JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi). The content is available under the terms of the Creative Commons Attribution 4.0 International License.

  • Issue: Vol. 11 No. 3 (2025)

  • Section: Articles

  • Published: 2025-06-01

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Author Biographies
Ratna Dewi Kusumawati, Politeknik Negeri Balikpapan
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Program Studi Bisnis, Politeknik Negeri Balikpapan, Kalimantan Timur, Indonesia.

Apriani Simatupang, Universitas Pelita Harapan
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Fakultas Ekonomi dan Bisnis, Universitas Pelita Harapan, Banten, Indonesia.

Mahsun, Politeknik Negeri Balikpapan
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Program Studi Bisnis, Politeknik Negeri Balikpapan, Kalimantan Timur, Indonesia.

Husnul Muamilah, Politeknik Negeri Balikpapan
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Program Studi Bisnis, Politeknik Negeri Balikpapan, Kalimantan Timur, Indonesia.

Tia Rahmatika, Politeknik Negeri Balikpapan
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Program Studi Bisnis, Politeknik Negeri Balikpapan, Kalimantan Timur, Indonesia.

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