Kurniasari, Florentina and Utomo, Prio (2021) Determinants of effectiveness repayment apps at P2P lending platform during Covid 19 pandemic in Indonesia. International Conference on Global Innovation and Trends in Economy 2020, 3 (1). pp. 825-847. ISSN 2686-0384
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Abstract
The advance of technology development today brings an innovation in the financial industries all across the world, including in Indonesia. The financial technology continues to emerge from the sector of payment, investment and loans online or as we are familiar with the term P2P Lending platform. But, the growth of this business had a challenge when the Covid-19 Pandemic hit the country in the early 2020. The P2P lending platform experienced the first highest default rate due the difficulties of the SME’s as its major customers’ in repaying their loans. The objective of this research is to analyze the determinants of effectiveness repayment application on P2P platform in Indonesia. There were 133 respondents who were borrowers of the P2P lending platform was used as a sample. The data collection was further processed statistically using Structural Equation Method (SEM). The study showed that the repayment decision had significantly influenced perceived usefulness, perceived ease of use, perceived risk and information quality. Information quality itself had the highest influenced among others.
| Item Type: | Article |
|---|---|
| Keywords: | Perceived Usefulness, Perceived Ease of Use, Information Quality, Perceived Risks, Repayment Decision, Repayment Apps |
| Subjects: | 000 Computer Science, Information and General Works > 000 Computer Science, Knowledge and Systems > 005 Computer Programming > 005.5 Application / Software |
| Divisions: | Faculty of Business > Master of Technology Management |
| Depositing User: | Administrator UMN Library |
| Date Deposited: | 03 Apr 2023 06:16 |
| Last Modified: | 03 Apr 2023 06:16 |
| URI: | https://kc.umn.ac.id/id/eprint/25217 |
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