FAKTOR-FAKTOR KEPUTUSAN UMKM DALAM MENGAMBIL PINJAMAN MELALUI FINANCIAL TECHNOLOGY (FINTECH)

HERLAMBANG, M. RENALDI and Yuliani, Yuliani and Bakar, Samadi W. (2020) FAKTOR-FAKTOR KEPUTUSAN UMKM DALAM MENGAMBIL PINJAMAN MELALUI FINANCIAL TECHNOLOGY (FINTECH). Undergraduate thesis, Sriwijaya University.

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Abstract

Peer to Peer Lending atau layanan pinjam meminjam uang berbasis teknologi informasi yang merupakan bagian dari financial technology (fintech) yang diharapkan dapat menjadi solusi bagi UMKM dalam masalah pendanaan. UMKM menunjukan antusiasme terhadap layanan ini, sehingga penelitian ini dilakukan untuk menganalisis proses pengambilan keputusan dan faktor-faktor yang mempengaruhi keputusan UMKM dalam mengambil pinjaman melalui P2P Lending. Pengambilan keputusan menggunakan teknik Purposive Sampling. Data primer diperoleh dari kuesioner terbuka dan tertutup sedangkan data sekunder dari literatur, penelitian terdahulu, jurnal dan internet. Metode yang digunakan dalam penelitian ini adalah analisis deskriptif dan analisis faktor. Hasil penelitian menunjukan terdapat tiga faktor yang mempengaruhi keputusan UMKM dalam mengambil pinjaman melalui P2P Lending (1) Psikologis Pelanggan (2) Keputusan Pembelian (3) Aturan Pembelian. Faktor Psikologis Pelanggan merupakan faktor utama yang mempengaruhi keputusan untuk meminjam.

Item Type: Thesis (Undergraduate)
Uncontrolled Keywords: Analisis Faktor, Analisis Deskriptif, Financial Technology, Keputusan Meminjam, Peer to Peer Lending, Usaha Mikro Kecil Dan Menengah (UMKM)
Subjects: H Social Sciences > HF Commerce > HF1-6182 Commerce
H Social Sciences > HF Commerce > HF5469.7-5481 Markets. Fairs
H Social Sciences > HG Finance > HG1-9999 Finance
H Social Sciences > HG Finance > HG179 Personal finance
Divisions: 01-Faculty of Economics > 61201-Management (S1)
Depositing User: Users 4887 not found.
Date Deposited: 29 Jan 2020 03:37
Last Modified: 29 Jan 2020 03:37
URI: http://repository.unsri.ac.id/id/eprint/26264

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