scholarly journals MILLENNIAL MOTIVATION IN MAXIMIZING P2P LENDING IN SMEs FINANCING

2021 ◽  
Vol 5 (2) ◽  
pp. 188-193
Author(s):  
Lia Febria Lina ◽  
Dhiona Ayu Nani ◽  
Dian Novita
Keyword(s):  
Structural Equation ◽  
Quantitative Research ◽  
Financial Risk ◽  
Risk Tolerance ◽  
Perceived Usefulness ◽  
Primary Data ◽  
Financial Industry ◽  
Tam Model ◽  
P2p Lending ◽  
Investment Intentions

Fintech is known as one of the most important innovations unity in financial industry that is growing rapidly and increase financial inclusion, especially the expansion of access to capital for SMEs. However, research related to this is still limited. This research tries to extend TAM model in financial context by adding external variables such as financial knowledge and financial risk tolerance as driving factor millennials to invest in Fintech P2P lending. This research uses quantitative research using primary data and uses Partial Least Squares-Structural Equation Modelling (PLS- SEM) to analysis the data that has been collected. The result indicates that millennial investment intentions are influenced by perceived usefulness, and risk averse. Findings in this research proves that the users who tend to avoid risks and uncertainties can be encouraged to invest in P2P lending. In the term of technology factor, users who believe that the features in the application of P2P lending is useful and beneficial will encourage users to invest.

scholarly journals DETERMINANTS OF EFFECTIVENESS REPAYMENT APPS AT P2P LENDING PLATFORM DURING COVID 19 PANDEMIC IN INDONESIA

2021 ◽  
Vol 13 (1) ◽  
pp. 156-172
Author(s):  
Florentina Kurniasari ◽  
Prio Utomo
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Quantitative Research ◽  
Information Quality ◽  
Technology Development ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Primary Data ◽  
Perceived Ease Of Use ◽  
P2p Lending

Abstract— The advance of technology development today brings an innovation in the financial industries all across the world, including in Indonesia. The financial technology continues to emerge from the sector of payment, investment and loans online or as we are familiar with the term P2P Lending platform. But, the growth of this business had a challenge when the Covid-19 Pandemic hit the country in the early 2020. The P2P lending platform experienced the first highest default rate due the difficulties of the SME’s as its major customers’ in repaying their loans. The purpose of this research is to analyze the determinants of effectiveness repayment apps for ultra-micro segment on P2P platform in Indonesia. As a quantitative research, primary data were collected through questionnaire answered by 133 respondents who were borrower of the P2P lending platform. The data collection was furthered processed statistically using Structural Equation Method (SEM). The study showed that the repayment decision had significantly influenced by perceived usefulness, perceived ease of use, perceived risk and information quality. Information quality itself had the highest influenced among others.   Keywords: Perceived Usefulness; Perceived Ease of Use; Information Quality; Perceived Risks; Repayment Decision; Repayment Apps

Determinants of e-learning adoption among students of developing countries

2016 ◽  
Vol 33 (4) ◽  
pp. 248-262 ◽  
Author(s):  
Richard Boateng ◽  
Alfred Sekyere Mbrokoh ◽  
Lovia Boateng ◽  
Prince Kwame Senyo ◽  
Eric Ansong
Keyword(s):  
Structural Equation ◽  
Quantitative Research ◽  
Direct Relationship ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Research Approach ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Tam Model ◽  
E Learning

Purpose – The purpose of this paper is to investigate the determinants of e-learning adoption (ELA) among students in the University of Ghana. Design/methodology/approach – A quantitative research approach comprising of a survey of 337 students was adopted. Data were collected using questionnaires designed in conjunction with 13 factors (computer self-efficacy (CSE), perceived ease of use (PEOU), perceived usefulness (PU) and attitude towards use (ATTU)) in the conceptual model of the study. Data analysis was conducted using structural equation modelling. Findings – The result revealed that PU and ATTU had a direct effect on ELA whilst, PU and PEOU also had a direct relationship on ATTU. Other variables such as CSE and PEOU had an indirect relationship on ELA though they were found to have an insignificant direct relationship on ELA. Practical implications – The level of significance of each construct identified in the study provide practical guidance to school administrators and instructors as to which factors to pay close attention to when implementing e-learning projects within their respective institutions. Originality/value – This study provides insight into ELA from the students’ perspective, through an extension of the TAM model in a developing country context given the existence of cultural differences and societal idiosyncrasies which exist in different contexts, particularly in Africa.

scholarly journals The Impact of Smartphone Adoption on Marketing Therapeutic Tourist Sites in Jordan

2018 ◽  
Vol 7 (4.34) ◽  
pp. 91 ◽  
Author(s):  
Mahmoud Alghizzawi ◽  
Mazuri Abd. Ghani ◽  
Ahmad Puad Mat Som ◽  
Muhamad Fazil Ahmad ◽  
Aziz Amin ◽  
...  
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Quantitative Research ◽  
Positive Impact ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Tam Model ◽  
The Impact

The aim of the study is to find out the effect of smartphone on marketing therapeutic tourist sites in Jordan. Several factors contribute to this study, including market type templates, therapeutic, demographic and their impact on tourist behavior in Jordan. We apply the technology acceptance (TAM) model to study through the incorporation of smartphone applications on marketing therapeutic tourist sites in Jordan. To achieve this, we use the quantitative research design and rely on appropriate data to test the hypothesis. We distributed questionnaire to 400 tourists as a sample of study but two hundred and four were collected. The researchers had used the structural equation modeling (PLS-SEM) for measuring relationships and correlations between variables and their impact on the behavior of tourists in Jordan. According to the study findings, there was a positive impact on market type template, therapeutic, and demographics on tourists' perceived ease of use of smartphone on marketing therapeutic tourist sites in the country. Perceived usefulness and perceived ease of use also led to an increase in tourists' intention to use smartphone.  

scholarly journals Analysis of Investment Decisions at BMT Latansa Gontor Ponorogo

2022 ◽  
Vol 6 (2) ◽  
pp. 66
Author(s):  
Apriliana Ika Kusumanisita ◽  
Lathiefa Rusli ◽  
Raditya Iqbal Anugrah
Keyword(s):  
Structural Equation ◽  
Research Method ◽  
Quantitative Research ◽  
Reasoned Action ◽  
Investment Decisions ◽  
Equation Modeling ◽  
Product Knowledge ◽  
Analysis Techniques ◽  
System Product ◽  
Investment Intentions

This study aims to examine customer decisions in investing in BMT. The theory used to predict customer decisions in investing is the theory of reasoned action. The research method used is quantitative research with data analysis techniques Structural Equation Modeling (SEM). The results showed that the sharia system, product knowledge, religiosity, attitudes, risk perception, image, and investment intentions affected investment decisions.

scholarly journals Analisis Pengaruh Faktor-Faktor Literasi Keuangan Terhadap Keputusan Berinvestasi Pada Asuransi Jiwa di Kota Palembang

2021 ◽  
Vol 4 (3) ◽  
pp. 798-812
Author(s):  
Resa Novita ◽  
Isni Andriana ◽  
Kemas M Husni Thamrin
Keyword(s):  
Life Insurance ◽  
Financial Literacy ◽  
Structural Equation ◽  
Quantitative Research ◽  
Investment Decisions ◽  
Partial Least Square ◽  
Least Square ◽  
Primary Data ◽  
Equation Modeling ◽  
And Gender

The purpose of this research is to analyze the effect perceptions about financial literacy factors against the investment decisions on life insurance in Palembang. The population in this study is the owner of life insurance in Palembang, the sampling in this study is using the Purposive Sampling method with 50 respondents as samples. The type of research used is quantitative research with primary data sources obtained from distributing questionnaires to respondents. The data analysis technique in this research are descriptive and inferential statistical analysis using Structural Equation Modeling (SEM) with smartPLS (Partial Least Square) 3.0 software. The results showed that the perception of age and gender has no significant effect against the investment decisions on life insurance in Palembang, meanwhile the perception of education level and income have a significant effect against the investment decisions on life insurance in Palembang. Keywords: Age, Gender, Level of Education, Income, Investment Decisions

Retail Investors’ Financial Risk Tolerance and Risk-taking Behaviour: The Role of Psychological Factors

2021 ◽  
pp. 231971452110582
Author(s):  
Pragati Hemrajani ◽  
Rajni ◽  
Rahul Dhiman
Keyword(s):  
Risk Taking ◽  
Psychological Factors ◽  
Structural Equation ◽  
Financial Risk ◽  
Risk Tolerance ◽  
Individual Investors ◽  
Financial Advisors ◽  
Research Model ◽  
Financial Risk Tolerance

The aim of this article is to look at how two psychological factors affect financial risk tolerance (FRT) and financial risk-taking behaviour (FRB) of individual investors. The study also investigates the role of FRT in mediating the relationship between psychological factors and FRB. A standardized questionnaire was used to collect the information. For the study, a total of 303 completed questionnaires were used. The proposed research model was validated and assessed using partial least squares structural equation modelling. The findings revealed some important experiences. Emotional intelligence and impulsiveness have a significant relationship with both FRT and FRB, according to the results. The findings also support FRT’s position as a mediating factor in the proposed research model. The results emphasize the importance of psychological factors in determining an individual’s FRT and FRB. FRT is a complex mechanism that entails more than just psychological considerations. As a result, further research is needed to decide which additional factors financial advisors can use to increase the explained variance in FRT inequalities.

The effect of maintenance operation, time utility and occupancy to sustainability with transit oriented development moderation

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Makjen Sinaga ◽  
Suharyono Suharyono ◽  
Muhammad Al Musadieq ◽  
Mohammad Iqbal
Keyword(s):  
Structural Equation ◽  
Quantitative Research ◽  
Operation Time ◽  
Sampling Technique ◽  
Equation Model ◽  
Primary Data ◽  
Transit Oriented Development ◽  
Content Type ◽  
The Board Of Directors ◽  
The Relationship

PurposeThis study aims to test and analyze the effect of maintenance operation, time utility and occupancy on sustainability with transit oriented development (TOD) as a moderating variable.Design/methodology/approachThis research is a quantitative research. The data in this study are a combination of primary data obtained through a questionnaire. The research took place at PT MRT Jakarta with all the board of directors as a sample in this study. The sampling technique used is saturated sampling and data analysis using structural equation model (SEM).FindingsThe result shows that maintenance and operation (M&O) have a positive and significant effect on time utility, M&O have a positive and significant effect on sustainability, time utility has a positive and significant effect on occupancy, occupancy has a positive and significant effect on sustainability and the influence of TOD does not significantly influence the relationship between time utility on occupancy and occupancy on sustainability.Originality/valueThe originality of this research lies in testing the maintenance operation, time utility and occupancy variables on sustainability with the renewal of TOD as a moderating variable.

scholarly journals 4G Adoption in India : An Extended TAM Model

2019 ◽  
Vol 8 (4) ◽  
pp. 2576-2579
Keyword(s):  
Structural Equation Modeling ◽  
Structural Equation ◽  
Practical Implication ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
The Other ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Tam Model ◽  
Telecom Sector

The research focuses on 4G adoption scenario and revealing the important determinants that influence consumer’s decision regarding adopting 4G services in India. The determinants used in this research are Perceived Cos(PC), Perceived ease of use(PEOU), Social influence(SI), Self-efficacy(SE) and Perceived usefulness(PU). The study extended the TAM model by considering the other variables .371 respondents was chosen for the study using 4G telecom services in India. Hypothesis were tested using Structural Equation modeling (SEM). PUand SE are the significant determinants of 4G adoption. Many countries are formulating their marketing strategy regarding technology adoption and the model tested in the research plays has a practical implication in helping the stakeholders in the present revolution in the telecom sector.

scholarly journals Analisis Minat Penggunaan Mobile Banking Dengan Pendekatan Technology Acceptance Model (TAM) Yang Telah Dimodifikasi

2017 ◽  
Vol 4 (1) ◽  
pp. 24 ◽  
Author(s):  
Hanif Astika Kurniawati ◽  
Alfi Arif ◽  
Wahyu Agus Winarno
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Tam Model ◽  
External Variables ◽  
Using Data ◽  
Acceptance Model

This study aimed to analyze the factors that may affect students' perceptions about the intention to use mobile bankingapplications to support their daily activities. The research model was developed using a Technology Acceptance Modeldeveloped by Davis (1989), and by including three external variables that experience, complexity, and gander. The researchmodel empirically tested using data from a survey of students at the University of Jember. The sampling method in this studyusing a clustered random sampling. The questionnaire of 120 students who receive offers mobile banking service that qualifiesas a sample analyzed using Structural Equation Modelling (SEM) using AMOS 22.0. The results showed that all constructs inthe original TAM model was statistically significant. On the other hand, gender as external variables in this study had no effecton perceived usefulness and perceived ease of use. The implications of this study are relevant for students who are interested inusing mobile banking in order to better take into account the experience and ease of use. Mobile banking users is expected tobe more confident with using mobile banking can simplify their banking activity.

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