Analysis of Factors Influencing User Intentions of Online Loan Services

Abstract

In recent years, online loan services (fintech lending) have experienced rapid growth in Indonesia. Ease of access, fast disbursement process, and minimal requirements make this service increasingly popular among the public. However, behind this convenience, various problems arise such as high interest rates, risk of default, and low user financial literacy. Therefore, it is important to understand the factors that influence user intentions in using online loan services. This research uses the TAM method.  Then the sampling technique that will be used by the author is simple random sampling where the author will take samples randomly without paying attention to the strata in the population. In the research carried out the author used the SEM statistical method or what is known as Structural Equation Modeling. The research results show that the variable with the greatest influence is Perceived Trust (PT) on Perceived Usefulness (PU) with a score of 14,300. The second largest is Perceived Privacy (PP) against Intention to Use (ITU) with a score of 6,577. On the other hand, the smallest influence is Perceived Innovativeness (PI) on Attitude (ATT) with a score of 0.130.