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Analisis Faktor-Faktor Penentu Minat Dan Loyalitas Pengguna Dalam Menggunakan Layanan Fintech P2P Lending Syariah Di Jabodetabek

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"Objective: This study aims to determine and analyze the influence of sharia literacy,
trust, risk perception, and service quality on the interest and loyalty of Shariacompliant P2P lending users in JABODETABEK.
Method: This is an associative quantitative study aimed at empirically examining
the relationships between variables based on numerical data collected from
respondents. This study is expected to explain the direct influence between
independent variables, namely sharia literacy, trust, risk perception, and digital
service quality on the dependent variable, namely user interest and loyalty in using
various sharia fintech peer-to-peer (P2P) lending platforms in Jabodetabek.
Primary data was collected from 128 Muslims in Jabodetabek through an online
questionnaire. The data were then analyzed using partial least squares structural
equation modeling (PLS-SEM) using SmartPLS software version 3.0.
Fact/Finding: The results showed that trust, service quality, and interest had a
positive and significant effect on loyalty. Risk perception also had a positive but
insignificant effect. This suggests that these factors must be considered by Sharia
P2P lending service providers to ensure their public acceptance. Meanwhile,
Sharia literacy had a negative but insignificant relationship. This suggests that a
greater understanding of Sharia financial theory and concepts leads to greater
critical and cautious investment in Sharia P2P fintech platforms"

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Availability

Detail Information

Series Title

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Call Number

REF 332.17 ARI a

Publisher

Bogor : Universitas Islam Tazkia., 2025

Collation

MES

Language

Indonesia

ISBN/ISSN

NIM.2220405034

Classification

332.17

Content Type

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Media Type

-

Carrier Type

-

Edition

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Subject(s)

Risk perception
trust
Loyalty
Services
Interest
Sharia Literacy
and Muslim Consumer Behavior

Specific Detail Info

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Statement of Responsibility

Saeful Arifin

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