| dc.contributor.advisor | Johan, Irni | |
| dc.contributor.author | Asriyani, Yulisa | |
| dc.date.accessioned | 2021-07-16T00:25:37Z | |
| dc.date.available | 2021-07-16T00:25:37Z | |
| dc.date.issued | 2021 | |
| dc.identifier.uri | http://repository.ipb.ac.id/handle/123456789/107488 | |
| dc.description.abstract | Minat menggunakan P2P lending merupakan dorongan yang datang dari dalam diri seseorang untuk melakukan pinjaman online. Seiring dengan meningkatnya akses internet dan pengguna gawai di Indonesia, nasabah layanan P2P ini pun menunjukkan peningkatan yang signifikan setiap tahunnya. Tujuan penelitian ini untuk menganalisis pengaruh literasi keuangan dan efikasi diri terhadap minat penggunaan peer to peer lending. Penelitian ini menggunakan desain explanatory pada 234 contoh generasi milenial di Jabodetabek yang dipilih melalui teknik purposive sampling dengan metode pengambilan data secara online. Hasil penelitian menunjukkan, literasi keuangan dan efikasi diri berada pada kategori moderat, sementara minat penggunaan dikategorikan rendah. Uji regresi menunjukkan bahwa jumlah tanggungan, jenis pinjaman utang, dan sikap terhadap P2P lending berpengaruh signifikan positif terhadap minat menggunakan P2P lending, sedangkan pada pengetahuan keuangan berpengaruh signifikan negatif terhadap minat menggunakan P2P lending. | id |
| dc.description.abstract | Intention to use P2P lending is an impulse that comes from within a person to make online loans. Along with the increasing of access toward internet access and mobile phone, the number of P2P lending user has been rise significantly. This study aims to analyze the influence of financial literacy and self-efficacy towards the intention to use P2P lending service. Using an online survey for data collection, the research design was explanatory involving 234 samples of millennial generation who were selected by purposive sampling technique in Jabodetabek. The results showed that financial literacy and self-efficacy was categorised as moderate, and intention to use peer to peer lending were categorised as low. Further analysis by regressions test showed that, the number of dependents, the amount of loan, and attitude towards P2P lending had a significant positive effect on the intention to use P2P lending. Meanwhile, financial knowledge had a significant negative effect on the intention to use P2P lending. | id |
| dc.language.iso | id | id |
| dc.publisher | IPB University | id |
| dc.title | Pengaruh Literasi Keuangan dan Efikasi Diri terhadap Minat Penggunaan Peer to Peer Lending pada Generasi Milenial | id |
| dc.title.alternative | The Effect of Financial Literacy and Self-Efficacy towards the Intention to Use Peer to Peer Lending Service across Millennial Generation | id |
| dc.type | Undergraduate Thesis | id |
| dc.subject.keyword | financial decisions | id |
| dc.subject.keyword | intention to use | id |
| dc.subject.keyword | millennial | id |
| dc.subject.keyword | online lending | id |
| dc.subject.keyword | savings | id |
