The Effect of Theory of Planned Behavior (TPB), Perceived Usefulness, and Behavioral Intention of Use in the Use of Online Loans

The purpose of this study is so that the public can understand, learn and use online loan services, and find out how many students use online loan services. The methodology used is quantitatively with data processing using PLS / SEM questionnaires distributed via google form to all Indonesian students who are currently studying, there are 387 students who have filled out the questionnaire form, which means that the students have used online loan services to overcome financial difficulties or other problems. The results of the study are the Negative Influence of Perceived Ease of Use on Behavioral Intention of Use and the Negative Influence of Perceived Usefulness on Behavioral Intention of Use. The implications of the study are that this theoretical research provides an important contribution to the development of theory, especially within the framework of the Theory of Planned Behavior (TPB). By combining variables such as Perceived Ease of Use (PEU), Perceived Usefulness (PU), Trust (TRU), Safety (SA), Attitude (ATT), and Behavioral Intention of Use (BIU), this study broadens the understanding of the factors that drive the adoption and use of online lending services among Indonesian students. This study provides valuable insights for online lending service providers, namely that service providers must ensure that their platforms are included in the perceived ease of use category and provide clear and easy-to-understand perceived usefulness to users, especially students.