FAKTOR-FAKTOR YANG MEMPENGARUHI INTENSI PENGGUNAAN PEER TO PEER LENDING FINTECH OLEH PELAKU UMKM DIKOTA MALANG

This study aims to examine what factors influence MSME actors in Malang to use peer to peer lending fintech. This study takes a sample of MSME actors in Malang who have used peer to peer lending fintech by distributing questionnaires directly. The data was obtained through cluster random sampling method with a total sample of 60 respondents. The data analysis technique uses the help of SmartPLS version 3.0. The results of this study from the six hypotheses tested showed that personalization, access ability and increased effectiveness had a significant direct effect on the intention to use peer to peer lending fintech by MSME actors in Malang. Meanwhile, technological innovation, social factors and speed of loan approval do not have a significant direct effect on the intention to use peer to peer lending fintech by MSME actors in Malang