Faktor-Faktor Yang Mempengaruhi Minat Generasi Z Terhadap Niat Menggunakan Pinjaman Online
-
Nabillah Zakia Al Rahma
*
Universitas Islam Nahdlatul Ulama Jepara, Jepara,
Indonesia
- Purwo Adi Wibowo Universitas Islam Nahdlatul Ulama Jepara, Jepara, Indonesia (*) Corresponding Author
Abstract
This research aims to analyze the influence of perceived ease of use, perceived usefulness, and social influence on the behavioral intention of Generation Z in Jepara Regency in using online loan services. The population in this study was all Generation Z in Jepara Regency, with a sample size of 100 respondents obtained through random sampling techniques using the Slovin formula. Primary data was collected through questionnaires and analyzed using Structural Equation Modeling (SEM) based on Partial Least Square (PLS). The research results show that perceived ease of use has a significant effect on Generation Z's behavioral intention in using online loan services with a P value of 0.008. This indicates that the easier a technology is to use, the higher the user's interest in adopting it. Apart from that, perceived usefulness was also proven to have a significant influence with a P value of 0.000, which means that individuals are more likely to use online loan services if they feel clear benefits from using them. On the other hand, social influence has no effect on behavioral intention, as evidenced by the P value of 0.404, which shows that Generation Z's decision to use online loan services is more influenced by individual factors than social pressure.
Downloads
References
Adhitama, R., & Rohman, F. (2023). Pengaruh Hedonic Value, Utilitarian Value, Dan Social Influence Terhadap Behavioral Intention. Jurnal Manajemen Pemasaran Dan Perilaku Konsumen, 2(4), 675–684.
Afandi, A., Sari, D. P., Fadhillah, A., Farizal, N., & Arif, M. (2022). Faktor Penentu Niat Menggunakan Paylater Dengan Kepercayaan Sebagai Variabel Moderasi. Kunuz: Journal of Islamic Banking and Finance, 2(2), 147–163.
Andrianto, A. (2020). Faktor Yang Memengaruhi Behavior Intention Untuk Penggunaan Aplikasi Dompet Digital. Jurnal Ilmiah Ekonomi Bisnis, 25(2), 111–122.
Dakopa, G. H. (2024). Data OJK, Lima Persen Penduduk Indonesia Berhutang di Pinjol. Radio Republik Indonesia. https://www.rri.co.id/tanpa-kategori/620613/data-ojk-lima-persen-penduduk-indonesia-berhutang-di-pinjol
Dewi, N. L. P. P., & Gorda, A. A. N. E. S. (2022). Intensi Minat Kaum Milenial Dalam Mengadopsi Layanan Pinjaman Online (Peer To Peer Lending). Jurnal Akuntansi Dan Pajak, 22(2), 836–848.
Edward, M. Y., Fuad, E. N., Ismanto, H., Atahau, A. D. R., & Robiyanto. (2023). Success factors for peer-to-peer lending for SMEs : Evidence from Indonesia. Investment Management and Financial Innovations, 20(2), 16–25.
Erdi, T. W. (2023). Faktor-Faktor Keputusan Melakukan Pinjaman Online: Inklusi Keuangan Sebagai Pemoderasi. Journal of Trends Economics and Accounting Research, 3(4), 407–414.
Hafifah, L. L., Widya, N., Agung, I. G., & Dwi, P. (2022). Intention dan user behavior pada fintech shopeepay menggunakan model unified theory of acceptance and use of technology ( utaut ). Jurnal Akuntansi Bisnis, 15(2), 102–117.
Hair Jr, J. F. (2020). Next-generation prediction metrics for composite-based PLS-SEM. Industrial Management & Data Systems, 121(1), 5–11.
Haryono, S. (2015). Pengaruh shopping orientation, social influence, dan system terhadap costumer attitude melalui perceived ease of use (studi pada apple store). Jurnal Strategi Pemasaran, 3(1), 1–14.
Izzati, T. R., & Ria Haryatiningsi, S. E. (2023). Faktor yang Mempengaruhi Tingkat Pemahaman Teknologi Pinjaman Online bagi UMKM Kota Bandung Menggunakan Technology Acceptance Model (TAM). Bandung Conference Series: Economics Studies, 3(1), 165–173.
Jaya, R. S., Udayana, I. B. N., & Cahyani, P. D. (2021). Pengaruh Social Influence Dan Personal Innovativeness Terhadap Perceived Usefulness Melalui Behavioral Intention Pengguna Traveloka (Studi Kasus: Pada Mahasiswa Ust Yogyakarta). Buletin Ekonomi: Manajemen, Ekonomi Pembangunan, Akuntansi, 18(1), 35–44.
Kenny, V., & Firdausy, C. M. (2022). Pengaruh performance expectation, effort expectation, social influence, dan facilitating condition terhadap behavioral intention pada pengguna ShopeePay di Jakarta. Jurnal Manajemen Bisnis Dan Kewirausahaan, 6(3), 272–277.
Leon, S. (2018). Service mobile apps: a millennial generation perspective. Industrial Management & Data Systems, 118(9), 1837–1860.
Magetsari, O. N. N., & Pratomo, L. A. (2019). Faktor-faktor yang memengaruhi purchase intention pada luxury restaurant. J-MKLI (Jurnal Manajemen Dan Kearifan Lokal Indonesia), 3(1), 25–41.
Maharani, S. A., & Sundari, E. (2024). Pengaruh Perceived Usefulness, Perceived Ease of Use, Trust dan Security terhadap Behavioral Intention to Use BRI Mobile (Studi Kasus: pada Pengguna BRImo di Kota Pekanbaru). Al Qalam: Jurnal Ilmiah Keagamaan Dan Kemasyarakatan, 18(1), 161–176.
Monica, F., & Japarianto, E. (2022). Analisa pengaruh perceived ease of use dan melalui perceived enjoyment terhadap behavior intention pada digital payment. Jurnal Manajemen Pemasaran, 16(1), 9–15.
Muaviah, E., Lathifaturrahmah, L., Dewi, A. A., & Febriani, N. (2023). Generasi Z, Melangkah Di Era Digital Dengan Bijak Dan Terencana. 1(2), 63–81.
Muliadi, M. L., & Japarianto, E. (2021). Analisa Pengaruh Perceived Ease of Use Terhadap Behavior Intention Melalui Perceived Usefulness Sebagai Media Intervening Pada Digital Payment Ovo. Jurnal Manajemen Pemasaran, 15(1), 20–27.
Nursiah, N. (2017). Pengaruh perceived ease of use dan perceived usefulness terhadap behavior intention to use. Jurnal Elektronik Sistem Informasi Dan Komputer, 3(2), 39–47.
Oematan, M. E., Rahayu, S., & Trisnawati, J. D. (2024). The Effect of Perceived Usefulness and Perceived Ease of Use on Behavioral Intention Mediated by User Satisfaction in E-Commerce Users. Jurnal Ekonomi, 13(3), 472–479.
Pambudi, A. R. (2019). Analisa perceived ease of use dan perceived usefulness terhadap behavior intention pada aplikasi digital payment OVO. Jurnal Strategi Pemasaran, 6(2), 10.
Putri, G. A., Widagdo, A. K., & Setiawan, D. (2023). Analysis of financial technology acceptance of peer to peer lending (P2P lending) using extended technology acceptance model (TAM). Journal of Open Innovation: Technology, Market, and Complexity, 9(1), 100027.
Putri, T. G., & Amin, M. N. (2024). Analisis Faktor Faktor Yang Mempengaruhi Minat Menggunakan Fintech Pinjaman Online Pada Generasi Z. Akuntansi Dewantara, 8(2), 202–216.
Rahman, G. A., Panorama, M., & Azwari, P. C. (2021). Pengaruh Product Knowledge dan Financial Literacy terhadap Investment Decisions dengan Investor Behavior sebagai Variabel Intervening. Jurnal Intelektualita: Keislaman, Sosial Dan Sains, 10(2), 273–281.
Setyawati, R. E. (2020). Pengaruh Perceived Usefullness, Perceived Ease of Use Terhadap Behavioral Intention To Use dengan Atittude Towards Using sebagai Variabel Intervening (Studi Kasus Pada Gopay Dikota Yogyakarta). Jurnal Ekobis Dewantara, 3(1), 39–51.
Shih, Y.-Y., & Huang, S.-S. (2009). The actual usage of ERP systems: An extended technology acceptance perspective. Journal of Research and Practice in Information Technology, 41(3), 263–276.
Supriyanto, E. (2019). Sistem informasi fintech pinjaman online berbasis web. Just IT: Jurnal Sistem Informasi, Teknologi Informasi Dan Komputer, 9(2), 100–107.
Venkatesh, V., & Morris, M. G. (2000). Why don’t men ever stop to ask for directions? Gender, social influence, and their role in technology acceptance and usage behavior. MIS Quarterly, 115–139.
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly, 27(3), 425–478.
Wang, E. S.-T., & Chou, N. P.-Y. (2014). Consumer characteristics, social influence, and system factors on online group-buying repurchasing intention. Journal of Electronic Commerce Research, 15(2), 119–132.
Wijayanti, M. W., Suddin, A., & Sutarno, S. (2019). Pengaruh perceived usefulness dan perceived ease of use terhadap behaviour intention to use bri digital banking pada agen brilink pt bank rakyat indonesia tbk kantor cabang magelang. Jurnal Manajemen Sumber Daya Manusia, 13.
T. G. Putri, & Amin, S. (2024). Behavioral intention dalam penggunaan fintech peer-to-peer lending: Studi kasus generasi Z di Indonesia. Jurnal Manajemen Keuangan Digital, 7(1), 95-110.
Setyawati, D. (2020). Perilaku keuangan di era digital: Studi pada generasi Z. Surabaya: Graha Ilmu.
Putri, G. A., et al. (2023). Technology Acceptance Model dalam adopsi fintech di Indonesia: Peran ease of use dan usefulness. Jurnal Inovasi Digital, 5(2), 33-50.
Oematan, H., et al. (2024). Faktor-faktor yang mempengaruhi behavioral intention dalam penggunaan aplikasi fintech di Indonesia. Jurnal Ekonomi dan Bisnis Digital, 6(1), 67-82.
Monica, R., & Japarianto, E. (2022). Behavioral intention dalam penggunaan layanan keuangan digital: Studi pada generasi milenial. Jurnal Riset Pemasaran, 10(2), 80-95.
Izzati, N. A., & Haryatiningsi, R. (2023). Dampak financial technology terhadap perilaku finansial generasi Z di Indonesia. Jurnal Teknologi Keuangan, 8(3), 105-123.
Bila bermanfaat silahkan share artikel ini
Berikan Komentar Anda terhadap artikel Faktor-Faktor Yang Mempengaruhi Minat Generasi Z Terhadap Niat Menggunakan Pinjaman Online
Pages: 395-403
Copyright (c) 2025 Nabillah Zakia Al Rahma, Purwo Adi Wibowo
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under Creative Commons Attribution 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (Refer to The Effect of Open Access).
