Pengaruh Perceived Ease of Use, Perceived Usefulness, Trust dan Security terhadap Attitude serta Behavioral Intention of Use pada Penggunaan Pinjaman Online (Pinjol)
DOI:
https://doi.org/10.47747/snfmi.v3i1.3210Abstract
The purpose of this study is to enable the public to understand, learn, and use online loan services, and to determine how many students use them. The methodology used is quantitative, with data processing using a PLS/SEM questionnaire distributed through Google Forms to all Indonesian students currently studying. Three hundred eighty-seven students have filled out the questionnaire, indicating that they have used online loan services to overcome financial difficulties or other problems. The results of this study are the Negative Influence of Perceived Ease of Use on Behavioral Intentions of Use and the Negative Influence of Perceived Usefulness on Behavioral Intentions of Use. This study implies that this theoretical research makes an important contribution to theory development, especially within the Theory of Planned Behavior (TPB) framework. By combining variables such as Perceived Ease of Use (PEU), Perceived Usefulness (PU), Trust (TRU), Security (SA), Attitude (ATT), and Behavioral Intentions of Use (BIU), this study broadens the understanding of the factors that drive the adoption and use of online loan services among Indonesian students. This study provides valuable insights for online lending service providers: they must ensure their platforms fall within the perceived ease of use category and provide clear, easy-to-understand usability perceptions to users, especially students.
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