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Intense Behavior of Sharia Peer-To-Peer Lending Borrowers in Indonesia Through the Theory Model of Unified Theory of Acceptance and Use of Technology
Abstract
This research aims to learn how well-liked and widely adopted Islamic P2P lending services are among Indonesian borrowers. This study employed a descriptive quantitative approach using the Partial Least Square - Structural Equation Modeling (PLS-SEM) analysis method. The findings of this study indicate that the three factors of effort anticipation, habit, and hedonic motivation significantly affect the future behavior of sharia P2P lenders. In contrast to the indirect effects of factors like performance expectancy, social influence, enabling conditions, and price value, the direct effects of factors like habit and behavioral intention on user behavior are apparent. In order to better serve customers, especially borrowers, the findings of this study are anticipated to contribute to the body of literature on sharia fintech lending. They investigated the interest in and likelihood of using sharia-compliant digital lending in Indonesia, using the Unified Theory of Acceptance and Use of Technology 2.
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DOI: https://doi.org/10.17509/rief.v8i1.82524
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