Pengaruh Literasi Keuangan Digital, Religiusitas, Persepsi Risiko, Persepsi Kegunaan, dan Persepsi Kemudahan Penggunaan terhadap Minat Menggunakan Peer to Peer Lending Syariah pada Generasi Z Kota Surabaya

The Effect of Digital Financial Literacy, Religiosity, Perceived Risk, Perceived Usefulness, and Perceived Ease of Use on Interest in Using Sharia Peer to Peer Lending in Generation Z Surabaya City

Penelitian ini menganalisis minat menggunakan layanan peer to peer lending (P2P Lending) syariah pada Generasi Z di Kota Surabaya. Latar belakang penelitian ini didasarkan pada pesatnya perkembangan fintech di Indonesia, di kalangan Generasi Z yang sangat terbuka terhadap teknologi. Metode yang digunakan dalam penelitian ini adalah pendekatan kuantitatif dengan penyebaran kuesioner secara online kepada 170 responden diperoleh melalui teknik purposive sampling. Analisis data dilakukan dengan metode SEM-PLS. Hasil penelitian menunjukkan bahwa variabel persepsi resiko memiliki pengaruh negatif terhadap minat menggunakan P2P Lending syariah. Sebaliknya, variabel literasi keuangan digital, religiusitas, persepsi kegunaan, dan persepsi kemudahan penggunaan memiliki pengaruh positif terhadap minat tersebut.

This study analyzes the interest in using sharia peer to peer lending (P2P Lending) services for Generation Z in Surabaya City. The background of this research is based on the rapid development of fintech in Indonesia, among Generation Z who are very open to technology. The method used in this research is a quantitative approach by distributing questionnaires online to 170 respondents obtained through purposive sampling technique. Data analysis was carried out using the SEM-PLS method. The results showed that the digital financial literacy variable has a negative influence on the interest in using sharia P2P Lending. In contrast, the variables of religiosity, perceived risk, perceived usefulness, and perceived ease of use have a positive influence on this interest.