Factors affecting intention to investing in peer-to-peer lending platform toward Universitas Indonesia students

Harry Sipangkar, Chandra Wijaya

Research output: Contribution to journalArticle

Abstract

The purpose of this study is to determine the effect that is given - each factor on initial trust and Perceived Risk then is associated again with investment intention. The object in this study were 203 Universitas Indonesia undergraduate students representing all 14 faculties and uses a questionnaire with a purposive sampling technique in taking the necessary data. The factors in this study are divided into two of them, individual factors such as risk appetite and trust propensity, and platform factors such as perceived ease of use, perceived security, perceived reputation, perceived legality institution, then the two factors mediated by initial trust and perceived risk, and provides an explanation of the investment intention in P2P lending. The results of this study are perceived reputation has a negative and significant influence on perceived risk, perceived security has a positive and significant effect on perceived security, then also has a positive and significant effect on trust propensity, initial trust has a positive and significant effect on investment intention.

Original languageEnglish
Pages (from-to)751-763
Number of pages13
JournalInternational Journal of Management
Volume11
Issue number5
DOIs
Publication statusPublished - 1 May 2020

Keywords

  • Initial trust
  • Investment intention
  • P2P Lending
  • Perceived risk

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