Pengembangan Model UTAUT2 untuk Meningkatkan Use Behaviour pengguna Peer-to-peer Lending di Jawa Timur

Sektor peer-to-peer lending saat ini mulai mengalami pertumbuhan yang cukup pesat di Indonesia. Saat ini terdapat 161 perusahaan platform peer-to-peer lending dimana setiap platform memberikan kualitas layanan yang berbeda-beda bagi borrowers. Pertumbukan peer-to-peer lending di Indonesia juga didukung oleh pemerintahan karena dapat membantu bank komersil memenuhi kebutuhan pembiayaan khususnya modal UMKM di Indonesia.Banyaknya jumlah platform peer-to-peer lending masih belum dapat menutup kebutuhan pendanaan secara maksimal. Hanya 41% kebutuhan pendanaan yang dapat ditutup oleh lembaga keuangan baik dari bank komersil maupun peer-to-peer lending. Untuk meningkatkan hal tersebut platform peer-to-peer lending perlu membentuk layanan yang sesuai dengan use behaviour pengguna saat ini. Sebuah identifikasi dan pengujian empiris perlu dilakukan untuk mengetahui faktor-faktor tersebut. Pada penelitian ini dilakukan pengembangan model peer-to-peer lending untuk mengetahui faktor yang mempengaruhi use behaviour khususnya borrowers. Pengembangan dilakukan pada model UTAUT2 dengan faktor trust. Pengembangan model akan dilakukan dengan menerapkan lima tahapan SEM yaitu model specification, model identification, model estimation, model testing, dan model modification. Pengambilan data berfokus kepada pengguna yang memiliki UMKM di Jawa Timur dan pernah melakukan peminjaman pada peer-to-peer lending. Total terdapat 122 responden yang mengisi kuesioner penelitian ini. Model memprediksi sekitar 68% varians behavioural intention. Performance expectancy, effort expectancy, dan price value diketahui mempengaruhi behavioural intention secara signifikan. Trust diketahui dapat memprediksi behavioural intention pengguna peer-to-peer lending secara signifikan. Sehingga model yang dikembangkan dengan trust berhasil menggambarkan faktor yang mempengaruhi intensi penggunaan peer-to-peer lending. Hasil penelitian ini akan membantu platform peer-to-peer lending untuk memahami use behaviour pengguna serta menjadi acuan platform dalam membentuk layanannya agar sesuai dengan use behaviour pengguna saat ini. Melihat tingkat penutupan kebutuhan dana yang masih rendah, hasil penelitian ini akan sangat bermanfaat bagi platform peer-to-peer lending. ============================================================================================== Peer-to-peer lending sector is currently starting to experience quite rapid growth in Indonesia. Currently, there are 161 lending companies where each platform provides different quality services for borrowers. This growth is also supported by the government because it can help commercial banks meet its financing needs, especially MSME capital in Indonesia. Large number of peer-to-peer lending platform is still not able to fully cover funding needs. Only 41% of funding needs can be covered by financial institutions, both from commercial banks and peer-to-peer lending. To improve this, lending platform needs to form services that are in accordance with the current use behavior of users. An identification and empirical testing needs to be done to determine these factors. In this study, a peer-to-peer lending model was developed to determine factors that influence use behaviour, especially borrowers. Development is carried out on the UTAUT2 extended with trust. Model development will be carried out by implementing five stages of SEM, namely model specification, model identification, model estimation, model testing, and model modification. Data collection focuses on users who have MSMEs in East Java and have borrowed from peer-to-peer lending. In total, there were 122 respondents who filled out this research questionnaire. This model succesfully predicts 68% of variance in behavioural intention. Performance expectancy, effort expectancy, and price value are known to significantly influence behavioural intention. Trust is known to significantly predict the behavioural intention of peer-to-peer lending users. So, model that has been developed with trust successfully describes factors that influence the intention to user peer-to-peer lending. Result of this study will help peer-to-peer lending platforms to understand users use behaviour and become a platform reference in shaping their services to suit the current users behaviour. Considering the low level of funding needs coverage, the result of this research will be very useful for peer-to-peer lending platforms