IMPLEMENTASI THEORY OF PLANNED BEHAVIOR DAN RISK TOLERANCE TERHADAP INTENSI INVESTASI PEER TO PEER LENDING

IMPLEMENTATION OF PLANNED BEHAVIOR THEORY AND RISK TOLERANCE TO PEER TO PEER LENDING INVESTMENT INTENTIONS

Penelitian ini bertujuan untuk menganalisis pengaruh attitude toward behavior, subjective norm, perceived behavioral control, dan risk tolerance terhadap intensi investasi masyarakat Kota Surabaya pada peer to peer lending. Penelitian ini merupakan penelitian konklusif kausalitas dengan data kuantitatif dan menggunakan purposive sampling yang dilanjutkan dengan random sampling untuk mendapatkan sampel . Data didapatkan dengan melakukan penyebaran kuesioner dengan skala likert. Sampel penelitian berjumlah 200 angkatan kerja di Kota Surabaya. Metode analisis yang digunakan yaitu regresi linier berganda menggunakan program SPSS. Hasil penelitian dari pengujian hipotesis didapatkan variabel attitude toward behavior dan risk tolerance berpengaruh terhadap intensi investasi. Sedangkan subjective norm dan perceived behavioral control tidak berpengaruh terhadap intensi investasi. Hal tersebut dikarenakan jumlah responden didominasi dengan usia 18 hingga 25 tahun yang tergolong usia muda. Responden mempunyai kepercayaan yang rendah terhadap lingkungan sosialnya. Dan juga dikarenakan para responden mempunyai sedikit informasi mengenai fintech peer to peer lending yang baru berkembang di Indonesia pada tahun 2016 dan tergolong jenis investasi baru.

The purpose of this study is to determine the effect of attitude toward behavior, subjective norm, perceived behavioral control, and risk tolerance on investment intention of Surabayanese in peer to peer lending. This study is conclusive causality research with quantitative research data using a purposive sampling method and a random sampling method to get samples. Data in this study obtained by a questionnaire with a Likert scale. The sample used in this study were 200 Surabaya workforce. The analysis method used is multiple linear regression analysis using the SPSS program. The result is based on hypothesis testing that shows that attitude toward behavior and risk tolerance significantly influences investment intention. While the subjective norm and perceived behavioral control do not affect investment intention. It is because of the distribution respondents that dominated by young people that have age between 18 to 25 years. The respondents have a low belief in their social relations. It was also caused by respondents who have less information about fintech P2P lending which come up in Indonesia in 2016 and classified as a new type of investment.