Pengaruh Financial Literacy dan Technology Acceptance Model terhadap Keputusan Pembiayaan Pelaku Usaha Mikro Menggunakan P2P Lending.

Abstract

UMKM berkontribusi besar terhadap peningkatan PDB dan membantu tercapainya program SDG’s. Namun, UMKM, khususnya pada usaha mikro, sering menghadapi tantangan keterbatasan akses pembiayaan. Peer to Peer (P2P) lending merupakan salah satu model pembiayaan alternatif yang menawarkan akses kemudahan. Rendahnya tingkat literasi keuangan di Indonesia menjadi hal yang perlu diperhatikan dalam adopsi pembiayaan P2P lending. Hal tersebut menjadi faktor yang mempengaruhi dalam pengambilan keputusan pembiayaan. Penelitian ini bertujuan untuk menganalisis pengaruh financial literacy dan Technology Acceptance Model (TAM) terhadap keputusan pembiayaan usaha mikro menggunakan P2P lending. Penelitian ini merupakan penelitian kuantitatif dengan teknik pengambilan purposive sampling dan menggunakan metode analisis regresi logistik. Hasil penelitian menunjukkan bahwa financial knowledge, financial behavior, financial attitude, dan perceived usefulness secara parsial tidak berpengaruh signifikan terhadap keputusan pelaku usaha mikro menggunakan produk pembiayaan P2P lending. Sedangkan variabel perceived ease of use berpengaruh signifikan positif.

MSMEs contributed greatly to the increase in GDP and helped achieve the SDG's program. However, MSMEs, especially in micro businesses, often faced limited access to financing. Peer to Peer (P2P) lending was one of the alternative financing models that offered easier access. The low level of financial literacy in Indonesia was factor that needed to be considered in the adoption of P2P lending financing. Those ware factors financing decision-making. This study aimed to analyze the effect of financial literacy and the Technology Acceptance Model (TAM) on micro business financing decisions using P2P lending. This research was a quantitative study with a purposive sampling technique and used logistic regression analysis methods. The results showed that financial knowledge, financial behavior, financial attitude, and perceived usefulness partially had no significant effect on the decision of micro businesses to use P2P lending financing products, while the perceived ease of use variable had a significant positive effect.