Interest in Using the Sharia Peer to Peer Lending Fintech APP for MSME Players in Cirebon City: The Impact of Financial Literacy, Knowledge, Ease, and Risk

This research investigates the effects of financial literacy, individual knowledge, ease, and perceived risk on the interest in adopting Islamic peer-to-peer (P2P) lending fintech platforms. Employing a quantitative research design, the study targeted micro, small, and medium enterprises (MSMEs) in Cirebon City, which served as both the population and sample frame. Utilizing the Raosoft calculator to establish the minimum sample requirement, a target of 337 respondents was determined. However, due to time constraints, only 229 valid responses were obtained. Data collection was conducted through manually distributed questionnaires using a Likert scale to measure perceptions, and the data were analyzed using the SmartPLS software to test the proposed model. The findings demonstrate financial literacy and risk does not have a statistically significant effect on the intention to use P2P lending sharia services because the hypothesis test between LK and Y 0.250 > 0.05, R and Y 0.129 > 0.05 more than 0.05. The hyphothesis test between K and Y 0.000 < 0.05, P and Y 0.000 < 0.05 thus both have emerge as key drivers that positively influence user interest.