PENGARUH FAKTOR PERCEIVED BENEFIT, PERCEIVED EASE OF USE, TRUST, DAN FINANCIAL LITERACY TERHADAP WILLINGNESS TO LEND P2P LENDING

Abstract

P2P Lending is one of the innovations in the financial technology that offers an alternative funding solution for borrowers and investment alternatives for lenders. When someone deciding to become a lender, there are several factors such as Perceived Benefit, Perceived  Ease of Use, Trust and Financial Literacy. The purpose of this study was to analyze the effect of these factors on Willingness to Lend of P2P Lending lenders.

                Questionnaires in the form of Google Forms were distributed through social media such as Line, Whatsapp, Instagram and Facebook with the main target being lenders who already have experience in lending funds in P2P Lending and the number of samples in this study was 230 respondents. This study used the Statistical Package for the Social Sciences (SPSS) 26 software and analyzed using multiple regression analysis. The results of this study indicate that Perceived Benefit, Perceived, Ease of Use, Trust and Financial Literacy have a significant effect on the Willingness to Lend of P2P Lending lenders