Determinan behavioral intention penggunaan Peer-To-Peer lending pada UMKM: Model UTAUT 2

Setiani, Setiani ORCID: https://orcid.org/0000-0002-7566-7358, Permatasari, Ditya ORCID: https://orcid.org/0000-0002-5742-546X, Nawirah, Nawirah ORCID: https://orcid.org/0000-0002-2720-3612 and Sartika, Farahiyah ORCID: https://orcid.org/0000-0002-2849-8811 (2025) Determinan behavioral intention penggunaan Peer-To-Peer lending pada UMKM: Model UTAUT 2. Research Report. Lembaga penelitian dan pengabdian kepada masyarakat (LP2M), -. (Unpublished)

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Abstract

This study aims to analyze the performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price values, habits, and experience on behavior intention and use. This research is a quantitative study, with a sample of 190 respondents from MSMEs in Malang City, Malang Regency, and Batu City. Using the snowballing sampling technique, the researcher processed the data with quantitative data analysis techniques using a Partial Structural Equation Model. Least Square (PLS). This study shows that performance expectations have a positive and significant effect on behavioral intentions. Performance expectations do not influence behavioral intentions, and their effect can be ignored. Social influence has a positive and significant effect on individual behavioral intentions. Facilitating conditions do not influence behavioral intentions. Facilitating conditions do not influence usage behavior. Behavioral intentions have a positive and significant effect on behavior. Hedonic motivation has a positive and significant effect on behavioral intentions. Price value does not influence behavioral intentions. Habits do not influence behavior. Experience cannot mediate the relationship between facilitating condition with behavioral intention.

Item Type:	Research (Research Report)
Keywords:	Behavioral Intention; Peer-to-Peer Lending; Model UTAUT 2; UMKM
Subjects:	14 ECONOMICS > 1402 Applied Economics
Divisions:	Faculty of Economics > Department of Management
Depositing User:	Nawirah nn Nawirah
Date Deposited:	23 Oct 2025 14:34

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