INTENSI PENGGUNAAN PEER TO PEER LENDING SYARIAH PADA GENERASI MILENIAL MUSLIM DI JAWA BARAT: ANALISIS TEORI TECHNOLOGY ACCEPTANCE MODEL

Yessi Nur Fitri Aisyah, - (2022) INTENSI PENGGUNAAN PEER TO PEER LENDING SYARIAH PADA GENERASI MILENIAL MUSLIM DI JAWA BARAT: ANALISIS TEORI TECHNOLOGY ACCEPTANCE MODEL. S1 thesis, Universitas Pendidikan Indonesia.

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Abstract

Penelitian ini di dasarkan pada fenomena terjadinya penurunan jumlah perusahaan fintech lending syariah pada tahun 2019-2022 yang telah memiliki izin dari OJK. Penurunan tersebut terjadi dikarenakan kurangnya minat masyarakat terhadap fintech lending syariah. Penelitian ini dilakukan untuk mengkaji mengenai intensi seseorang dalam penggunaan peer to peer lending syariah di Jawa Barat dan faktor-faktor apa saja yang memengaruhinya dengan menggunakan teori Technology Acceptance Model (TAM). Penelitian ini menggunakan metode kuantitatif, adapun pendekatan penelitian pengaruh mediasi menggunakan transmittal approach. yang dianalisis dengan Partial Least Square-Structural Equation Modeling (PLS-SEM). Subjek penelitian ini adalah generasi milenial Muslim di Jawa Barat dengan jumlah sampel sebanyak 170 responden. Hasil penelitian deskriptif bahwa variabel tingkat persepsi kemudahan penggunaan, tingkat persepsi manfaat, dan tingkat intensi penggunaan peer to peer lending syariah menunjukkan kategori tinggi, sedangkan variabel tingkat literasi keuangan syariah menunjukkan kategori sufficient literate. Hasil penelitian uji hipotesis bahwa variabel tingkat persepsi kemudahan penggunaan, dan tingkat persepsi kemudahan penggunaan melalui persepsi manfaat tidak berpengaruh dan tidak signifikan terhadap intensi penggunaan peer to peer lending syariah. Sedangkan untuk variabel tingkat literasi keuangan syariah berpengaruh positif dan signifikan terhadap intensi penggunaan peer to peer lending syariah. Implikasi dalam penelitian ini terdiri dari implikasi praktis dan teoritis. Diharapkan dengan adanya penelitian ini dapat menambah pengetahuan dan wawasan generasi milenial Muslim mengenai peer to peer lending syariah. This research is based on the phenomenon of a decrease in the number of sharia fintech lending companies in 2019-2022 that already have permits from the OJK. This decline occurred due to a lack of public interest in sharia fintech lending. This research was conducted to examine a person's intention to use sharia peer to peer lending in West Java and what factors influence it by using the Technology Acceptance Model (TAM) theory. This study uses a quantitative method, while the research approach to the influence of mediation uses a transmittal approach. which were analyzed by Partial Least Square-Structural Equation Modeling (PLS-SEM). The subject of this research is the Muslim millennial generation in West Java with a total sample of 170 respondents. The results of the descriptive study show that the variables perceived ease of use, perceived benefits, and intention to use sharia peer to peer lending are in the high category, while the variable level of Islamic financial literacy is in the sufficient literate category. The results of the study test the hypothesis that the variable level of perceived ease of use, and the level of perceived ease of use through perceived benefits have no effect and are not significant on the intention to use sharia peer to peer lending. Meanwhile, the Islamic financial literacy level variable has a positive and significant effect on the intention to use Islamic peer to peer lending. The implications of this study consist of practical and theoretical implications. It is hoped that this research can add to the knowledge and insights of the Muslim millennial generation regarding sharia peer to peer lending.

Item Type: Thesis (S1)
Additional Information: SINTA ID:5993243 SINTA ID:5993287
Uncontrolled Keywords: TAM, Literasi keuangan syariah, Generasi milenial Muslim, Peer to peer lending syariah TAM, Islamic financial literacy, Millennial Muslim Generation, Sharia peer to peer lending.
Subjects: B Philosophy. Psychology. Religion > BP Islam. Bahaism. Theosophy, etc
H Social Sciences > HB Economic Theory
L Education > L Education (General)
Divisions: Fakultas Pendidikan Ekonomi dan Bisnis > Ilmu Ekonomi dan Keuangan Islam
Depositing User: Yessi Nur Fitri Aisyah
Date Deposited: 17 Jan 2023 06:53
Last Modified: 17 Jan 2023 06:53
URI: http://repository.upi.edu/id/eprint/87185

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