PENGARUH PERSEPSI KEMUDAHAN, KEBERMANFATAN DAN RESIKO TERHADAP PENGGUNAAN PEER to PEER LENDING BERBASIS SYARIAH
Abstract
The current industrial era has been referred to as the industrial revolution 4.0, in which technological developments are growing very rapidly. Now the industrial revolution has reached stage four or what we know as the industrial revolution 4.0 which has fundamentally changed the digital revolution, ways of thinking, ways of living, how to socialize with people around the world (Prajanto & Pratiwi, 2019). There are three factors that can influence the decision in the selection of sharia-based peer to peer lending services, including the perception of convenience, the perception of usefulness, and the perception of risk. This study aims to determine whether there is a significant influence between perceived convenience, perceived usefulness, and perceived risk on the use of -based peer to peer lending sharia for students studying in Yogyakarta. This research is a quantitative research that is a research procedure that generate descriptive data based on the results of quantitative analysis on the research variables, namely the perception of convenience, the perception of usefulness, and the perception of risk on the use of sharia-based peer to peer lending.The sample in this study were students who were taking study in Yogyakarta with the number of samples used as much as 100 respondents obtained through google form and processed using the IBM SPSS version 20 tool. The results of this study shows 1) the perception of convenience does not have a significant effect on the use of sharia-based peer to peer lending, 2) the perception of usefulness has a significant effect on the use Sharia-based peer to peer lending 3) the perception of risk has a significant effect on the use Sharia-based peer to peer lending
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