Analisis niat berinvestasi generasi milenial menggunakan platform P2P Lending sebagai alternatif investasi

Poeteri, Nandike Ayudiah (2021) Analisis niat berinvestasi generasi milenial menggunakan platform P2P Lending sebagai alternatif investasi. Masters thesis, IPB University.

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Abstract

Peer-To-Peer (P2P) lending is a form of digital financial service innovation that is currently developing in Indonesia. The presence of P2P lending provide solutions to certain borrowers who have limited access to formal finance. Besides, P2P lending also acts as an alternative media for investment in the form of loans. Activities on the P2P lending platform depend on loan requests by borrowers and funding activities by investors. Currently, there is still a significant gap between the number of investors and the number of borrowers. On the other hand, the growth volume of loan disbursement at the beginning of 2020 decreased compared to the beginning of 2019. This study aims to analyze the factors that influence investment intentions using the P2P lending platform through trust and perceived risk. Predictive factor variables that can influence trust are relative advantage, perceived reputation, perceived structural assurance, and perceived information quality. Meanwhile, the predictive factors that can influence perceived risk are perceived reputation, perceived structural assurance, perceived information quality, and financial literacy. This research was conducted on 254 respondents who were selected by nonprobability sampling with the criteria that they had never used a P2P lending platform and were limited to the millennial generation born in 1980 - 2000. Data was collected by filling out a questionnaire distributed online. The statistical analysis used was SEM (Structural Equation Model) using LISREL. The results show that trust and perceived risk have a direct and significant effect on investment intention. Relative advantage, perceived reputation, perceived information quality have a significant effect on trust, while perceived structural assurance has no significant effect. Furthermore, perceived reputation, perceived structural assurance, and trust have a significant effect on perceived risk, while financial literacy and perceived information quality have no significant effect. Several forms of managerial implications that can be carried out by companies are implementing strategies related to Segmentation, Targetting, Positioning (STP) and the latest marketing mix as well as improving excellent service from customer service or call centers to existing investors in order to spread the excellence of platform services to potential investors, providing periodic reports regarding the use of capital that has been invested by investors, clearly informs how the potential investor's privacy information will be used for customer due-diligence, collaborates with custodian banks to improve the security and protection of investment funds, and improves the accuracy of creditworthy borrower verification (for example: UMKM) so that credit scoring is fair and profitable.

Item Type:	Thesis (Masters)
Uncontrolled Keywords:	P2P lending, perceived information quality, perceived reputation, perceived risk, perceived structural assurance, trust, SEM, lISREL, Structural Equation Model.
Subjects:	Manajemen Keuangan
Depositing User:	SB-IPB Library
Date Deposited:	16 Mar 2022 03:45
Last Modified:	16 Mar 2022 03:45
URI:	http://repository.sb.ipb.ac.id/id/eprint/3816

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