Analisis Faktor-Faktor Yang Memengaruhi Niat Dalam Menggunakan Pinjaman Dana Berbasis Internet

The objective of this research is to identify and analyze the effects of perceived ease of use, perceived usefulness, trust, and user innovativeness on attitude and intention to use internet-based fund loans. The sample of this study is people in the Special Capital Region of Jakarta, selected through non-probability sampling. The data was harvested via online questionnaires and was analyzed using Partial Least Squares – Structural Equation Modeling (PLS-SEM) in SmartPLS 4. This study finds that perceived ease of use does not significantly influence attitude, that perceived usefulness significantly affects attitude, that trust does not have any significant impact on attitude, that user innovativeness significantly influences attitude, and that attitude significantly impacts the intention to use internet-based fund loans. Abstrak Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh perceived ease of use, perceived usefulness, trust, user innovativeness terhadap attitude dan niat dalam menggunakan pinjaman dana berbasis internet. Penelitian ini dilakukan pada lingkup sampel penduduk di wilayah DKI Jakarta dengan mendistribusikan kuesioner secara online. Penelitian ini menggunakan teknik pengambilan sampel non-probability sampling dan teknik analisis data menggunakan metode Partial Least Square-Structural Equation Modeling (PLS-SEM) melalui aplikasi SmartPLS 4. Hasil dari penelitian ini yaitu perceived ease of use tidak berpengaruh signifikan terhadap attitude. Sedangkan perceived usefulness berpengaruh signifikan terhadap attitude. Selanjutnya trust tidak berpengaruh signifikan terhadap attitude dan user innovativeness berpengaruh signifikan terhadap attitude. Terakhir, attitude berpengaruh signifikan terhadap niat dalam menggunakan pinjaman dana berbasis internet.