PENGARUH LOAN PROCESS DAN LOAN APPLICATION FLEXIBILITY TERHADAP KEPUTUSAN PENGGUNAAN LAYANAN PAYLATER: Studi pada Pengguna GoPayLater di Indonesia

Maudy Yuniar Zaenabiyah, - (2024) PENGARUH LOAN PROCESS DAN LOAN APPLICATION FLEXIBILITY TERHADAP KEPUTUSAN PENGGUNAAN LAYANAN PAYLATER: Studi pada Pengguna GoPayLater di Indonesia. S1 thesis, Universitas Pendidikan Indonesia.

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Official URL: https://repository.upi.edu/

Abstract

Teknologi digital dan internet membawa perubahan besar terhadap berbagai aspek kehidupan terutama dalam pekembangan dunia bisnis dan sektor keuangan yang saat ini dikenal dengan fintech. Salah satu produk fintech yang menawarkan pembiayaan adalah funtich lending. Saat ini banyak perusahaan fintech lending yang telah berintegrasi dengan e-commerce membentuk fitur atau layanan PayLater. Dimana paylater merupakan pinjaman online atau cicilan tanpa kartu kredit yang menerapkan sistem peer-to-peer lending. Berbagai faktor dapat mempengaruhi keputusan pengguna dalam memilih dan menggunakan sebuah layanan. Penelitian ini dilakukan untuk memperoleh 1) gambaran loan process, gambaran loan application flexibility, dan gambaran keputusan penggunaan, 2) pengaruh loan process terhadap keputusan penggunaan, 3) pengaruh loan application flexibility terhadap keputusan penggunaan. Jenis penelitian yang digunakan adalah deskriptif dan verifikatif. Metode penelitian yang digunakan adalah metode explanatory survey dengan ukuran sampel sebanyak 120 responden. Teknik analasis data yang digunakan adalah analisi regresi berganda dengan alat bantu SPSS 26.0 for Windows. Hasil temuan penelitian ini menunjukkan bahwa gambaran loan process berada pada kategori cukup efektif, gambaran loan application flexibility berada pada kategori cukup flexible, dan keputusan penggunaan berada pada kategori cukup tinggi. Hasil penelitian juga menunjukkan bahwa loan process memiliki pengaruh yang positif terhadap keputusan penggunaan, dan loan application flexibility berpengaruh positif terhadap keputusan penggunaan. Digital technology and the internet have brought significant changes to various aspects of life, especially in the development of the business world and the financial sector, which is now known as fintech. One of the fintech products offering financing is fintech lending. Paylater is an online loan or installment without a credit card that implements a peer-to-peer lending system. Currently, many fintech lending companies have integrated with e-commerce to form PayLater features or services. Various factors can influence users' decisions in selecting and using a service. This research was conducted to obtain: 1) an overview of the loan process, an overview of loan application flexibility, and an overview of usage decisions; 2) the effect of the loan process on usage decisions; 3) the effect of loan application flexibility on usage decisions. The type of research used is descriptive and verification. The research method used is an explanatory survey method with a sample size of 120 respondents. The data analysis technique used is multiple regression analysis with the help of SPSS 26.0 for Windows. The findings of this study indicate that the loan process is in the "fairly effective" category, loan application flexibility is in the "fairly flexible" category, and usage decisions are in the "fairly high" category. The study also shows that the loan process has a positive influence on usage decisions, and loan application flexibility positively influences usage decisions.

Item Type: Thesis (S1)
Additional Information: ID SINTA Dosen Pembimbing: Bambang Widjajanta : 5984870 Sulastri : 6067962
Uncontrolled Keywords: Loan Process, Loan Application Flexibility, Keputusan Penggunaan, Paylater Loan Process, Loan Application Flexibility, Usage Decisions, Paylater
Subjects: L Education > L Education (General)
Divisions: Fakultas Pendidikan Ekonomi dan Bisnis > Pendidikan Manajemen Bisnis
Depositing User: Maudy Yuniar Zaenabiyah
Date Deposited: 14 Oct 2024 08:34
Last Modified: 14 Oct 2024 08:34
URI: http://repository.upi.edu/id/eprint/127416

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