Niat Menggunakan Pinjaman Online Di Kalangan Mahasiswa: Apakah Emosi Juga Berpengaruh?
Abstract
Penelitian ini bertujuan untuk menyelidiki dampak sikap, norma subjektif, kontrol perilaku persepsi, dan emosi terhadap niat untuk memanfaatkan pinjaman online, serta pengaruh niat terhadap perilaku penggunaan pinjaman online di kalangan mahasiswa. Ukuran sampel untuk penelitian ini terdiri dari 180 siswa dari berbagai perguruan tinggi di Kota Salatiga. Temuan menunjukkan bahwa sikap, norma subjektif, dan kontrol perilaku persepsi dan emosional berdampak positif pada niat siswa untuk memanfaatkan pinjaman online. Selain itu, niat juga dapat meningkatkan kecenderungan untuk terlibat dalam perilaku pinjaman online. Kontribusi studi ini dapat digunakan untuk meningkatkan model penelitian dengan mengintegrasikan komponen emosional, menghasilkan kerangka kerja yang lebih komprehensif. Selain itu, penelitian ini berfungsi sebagai sumber daya yang berharga bagi pemerintah untuk memberikan panduan keuangan tentang online lending melalui konseling keuangan berbasis emosional.
Keywords:
Sikap, Norma subjektif, Kontrol Perilaku Persepsian, Emosi, Niat Pinjaman Online, Perilaku Menggunakan Pinjaman Online
References
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Ilyas, A., & Zaman, M. K. (2020). An evaluation of online students’ persistence intentions. Asian Association of Open Universities Journal, 15(2), 207–222. https://doi.org/10.1108/aaouj-11-2019-0053
Isaputra, S. A., & Sumaryono. (2023). P2P lending: Moderation of desirability of control on risk-taking decisions of Indonesian borrowers. Humanities and Social Sciences Communications, 10(1), 1–7. https://doi.org/10.1057/s41599-023-01785-w
Jabeen, F., Dhir, A., Islam, N., Talwar, S., & Papa, A. (2023). Emotions and food waste behavior: Do habit and facilitating conditions matter? Journal of Business Research, 155(PB), 113356. https://doi.org/10.1016/j.jbusres.2022.113356
Johan, Z. J., Hussain, M. Z., Mohd, R., & Kamaruddin, B. H. (2020). Muslims and non-Muslims intention to hold Shariah-compliant credit cards: a SmartPLS approach. Journal of Islamic Marketing. https://doi.org/10.1108/JIMA-12-2019-0270
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Moody, Gregory D., & Siponen, M. (2013). Using the theory of interpersonal behavior to explain non-work-related personal use of the Internet at work. Information and Management, 50(6), 322–335. https://doi.org/10.1016/j.im.2013.04.005
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Solihat, I., Hamundu, F. M., & Wahyu, M. (2023). Determinants of Behavior Intention To Adopt Peer-To-Peer Lending Services Among Indonesia. International Journal Od Business and Society, 24(1), 543–558.
Sun, S., Wong, Y. D., Wang, X., & Rau, A. (2024). Understanding behavioural motivations for travel-based multitasking: A case study in Singapore. Travel Behaviour and Society, 35(May 2021), 100714. https://doi.org/10.1016/j.tbs.2023.100714
Syarfi, S. M., & Asandimitra, N. (2020). Implementasi Theory of Planned Behavior dan Risk Tolerance terhadap Intensi Investasi Peer to Peer Lending. Jurnal Ilmu Manajemen, 8(3), 864. https://doi.org/10.26740/jim.v8n3.p864-877
Tama, R. A. Z., Ying, L., Yu, M., Hoque, M. M., Adnan, K. M., & Sarker, S. A. (2020). Assessing farmers’ intention towards conservation agriculture by using the Extended Theory of Planned Behavior. Journal of Environmental Management, March, 111654. https://doi.org/10.1016/j.jenvman.2020.111654
Tang, M., Mei, M., Li, C., Lv, X., Li, X., & Wang, L. (2020). How does an individual’s default behavior on an online peer-to-peer lending platform influence an observer’s default intention? Financial Innovation, 6(1). https://doi.org/10.1186/s40854-020-00197-y
Tanusdjaja, H. (2018). Keputusan Investasi Investor Individu Berdasarkan Kompetensi, Overconfidence, Dan Pendidikan. Jurnal Muara Ilmu Ekonomi Dan Bisnis, 2(1), 234. https://doi.org/10.24912/jmieb.v2i1.998
Walangitan, P. G. M., Lapian, J. S. L. H. ., & Sumarauw, J. S. . (2020). Perbedaan Fintech Peer To Peer Lending Antara Generasi X Dan Generasi Y Dalam Model Behavioral Intention Di Manado. Jurnal Ilmiah Manajemen Bisnis Dan Inovasi, 7(3), 640–656. https://doi.org/10.35794/jmbi.v7i3.31428
Wuisan, D., Hermawan, A., Antonio, F., & Pramono, R. (2023). The quest of peer-to-peer lending applications marketing to small and medium enterprises: Assessing intention to recommend. Innovative Marketing, 19, 158–172. https://doi.org/10.21511/im.19(4).2023.13
Yulandreano, E., & Rita, M. R. (2023). Investment Decisions on the Crowdfunding Platform Based on the Theory of Planned Behavior. Jurnal Manajemen Bisnis, 14(1), 36–52. https://doi.org/10.18196/mb.v14i1.16494
Yulianti, V. A., & Etikariena, A. (2021). Hubungan Antara Sikap Pengembangan Diri Kompetitif dan Perilaku Kerja Inovatif. Jurnal Diversita, 7(1), 30–35. https://doi.org/10.31289/diversita.v7i1.4474
Zhang, Y., & Li, L. (2020). Intention of Chinese college students to use carsharing: An application of the theory of planned behavior. Transportation Research Part F: Traffic Psychology and Behaviour, 75, 106–119. https://doi.org/10.1016/j.trf.2020.09.021
Agyei, J., Sun, S., Abrokwah, E., Penney, E. K., & Ofori-Boafo, R. (2020). Mobile Banking Adoption: Examining the Role of Personality Traits. SAGE Open, 10(2). https://doi.org/10.1177/2158244020932918
Ali, M., Raza, S. A., & Puah, C. H. (2017). Factors affecting to select Islamic credit cards in Pakistan: the TRA model. Journal of Islamic Marketing, 8(3), 330–344. https://doi.org/10.1108/JIMA-06-2015-0043
Ariadin, M., & Safitri, T. A. (2021). Perilaku Manajemen Keuangan Pada Umkm Sentra Kerajinan Kayu Di Kabupaten Dompu. Among Makarti, 14(1), 31–43. https://doi.org/10.52353/ama.v14i1.203
Attiq, S., Chu, A. M. Y., Azam, R. I., Wong, W. K., & Mumtaz, S. (2021). Antecedents of consumer food waste reduction behavior: Psychological and financial concerns through the lens of the theory of interpersonal behavior. International Journal of Environmental Research and Public Health, 18(23). https://doi.org/10.3390/ijerph182312457
Candra, S., Nuruttarwiyah, F., & Hapsari, I. H. (2020). Revisited the Technology Acceptance Model with E-Trust for Peer-to-Peer Lending in Indonesia (Perspective from Fintech Users). International Journal of Technology, 11(4), 710–721. https://doi.org/10.14716/ijtech.v11i4.4032
Deb, M., & Lomo-David, E. (2014). An empirical examination of customers’ adoption of m-banking in India. Marketing Intelligence and Planning, 32(4), 475–494. https://doi.org/10.1108/MIP-07-2013-0119
Dwiastuti, D. A., & Etikariena, A. (2020). Hubungan antara Sikap Kompetitif Berlebihan dan Perilaku Kerja Inovatif. Jurnal Diversita, 6(1), 28–39. https://doi.org/10.31289/diversita.v6i1.2734
Elhoushy, S., & El-Said, O. A. (2020). Hotel managers’ intentions towards female hiring: An application to the theory of planned behaviour. Tourism Management Perspectives, 36(July), 100741. https://doi.org/10.1016/j.tmp.2020.100741
Estuti, E. P., Rosyada, I., & Faidah, F. (2021). Analisis Pengetahuan Keuangan, Kepribadian dan SIkap Keuangan terhadap Perilaku Manajemen Keuangan. Jurnal Capital Kebijakan Ekonomi, Manajemen & Akuntansi, 4(1), 1–14.
Fasyni, A., Budiarti, A. P., & Lasmini, R. S. (2021). Faktor-Faktor Yang Mempengaruhi Online Impuls Buying. Jurnal Ekonomi Bisnis Dan Kewirausahaan, 10(2), 175. https://doi.org/10.26418/jebik.v10i2.47796
Filona, & Misdiyono. (2019). Factors Affecting the Adoption of Electronic Money Using Technology Acceptance Model and Theory of Planned Behavior. Journal of Business Economics, 24(1), 100–113. https://doi.org/10.35760/eb.2019.v24i1.1858
Giovanis, A., Athanasopoulou, P., Assimakopoulos, C., & Sarmaniotis, C. (2019). Adoption of mobile banking services: A comparative analysis of four competing theoretical models. International Journal of Bank Marketing, 37(5), 1165–1189. https://doi.org/10.1108/IJBM-08-2018-0200
Guerin, R. J., & Toland, M. D. (2020). An application of a modified theory of planned behavior model to investigate adolescents’ job safety knowledge, norms, attitude and intention to enact workplace safety and health skills. Journal of Safety Research, 72(December), 189–198. https://doi.org/10.1016/j.jsr.2019.12.002
Hair, J. F., Black, W. C., Babin, B. J., Anderson, R. E., Black, W. C., & Anderson, R. E. (2019). Multivariate Data Analysis. https://doi.org/10.1002/9781119409137.ch4
Hall, C. M., Bushell, M., Webster, A., & Northam, H. (2024). Australian healthcare personnel acceptance of the seasonal influenza vaccine: a qualitative exploration. Journal of Public Health (Germany), 0123456789. https://doi.org/10.1007/s10389-023-02174-y
Hendra, & Afrizal, A. (2020). Pengaruh Kontrol Diri, Literasi Keuangan, dan Inklusi Keuangan Terhadap Perilaku Menabung Mahasiswa Prodi Manajemen Fakultas Ekonomi Universitas Pasir Pengaraian. Jurnal Ilmiah Manajemen Dan Bisnis, 2(1), 98–106. http://journal.upp.ac.id/index.php/Hirarki
Hoehle, H., Scornavacca, E., & Huff, S. (2012). Three decades of research on consumer adoption and utilization of electronic banking channels: A literature analysis. Decision Support Systems, 54(1), 122–132. https://doi.org/10.1016/j.dss.2012.04.010
Ilyas, A., & Zaman, M. K. (2020). An evaluation of online students’ persistence intentions. Asian Association of Open Universities Journal, 15(2), 207–222. https://doi.org/10.1108/aaouj-11-2019-0053
Isaputra, S. A., & Sumaryono. (2023). P2P lending: Moderation of desirability of control on risk-taking decisions of Indonesian borrowers. Humanities and Social Sciences Communications, 10(1), 1–7. https://doi.org/10.1057/s41599-023-01785-w
Jabeen, F., Dhir, A., Islam, N., Talwar, S., & Papa, A. (2023). Emotions and food waste behavior: Do habit and facilitating conditions matter? Journal of Business Research, 155(PB), 113356. https://doi.org/10.1016/j.jbusres.2022.113356
Johan, Z. J., Hussain, M. Z., Mohd, R., & Kamaruddin, B. H. (2020). Muslims and non-Muslims intention to hold Shariah-compliant credit cards: a SmartPLS approach. Journal of Islamic Marketing. https://doi.org/10.1108/JIMA-12-2019-0270
Lin, C. P., & Huang, H. Y. (2021). Modeling investment intention in online P2P lending: an elaboration likelihood perspective. International Journal of Bank Marketing, 39(7), 1134–1149. https://doi.org/10.1108/IJBM-12-2020-0594
Moody, G D, & Siponen, M. (2013). Using the theory of interpersonal behavior to explain non-work-related personal use of the Internet at work. Information and Management, 50(6), 322–335. https://doi.org/10.1016/j.im.2013.04.005
Moody, Gregory D., & Siponen, M. (2013). Using the theory of interpersonal behavior to explain non-work-related personal use of the Internet at work. Information and Management, 50(6), 322–335. https://doi.org/10.1016/j.im.2013.04.005
Nguyen, V. H., Nguyen, T. P. L., Nguyen, T. T. P., & Nguyen, T. V. H. (2023). Citizens’ intention toward sustainable tourism through integrating protection motivation theory (PMT) and theory of interpersonal behavior (TIB). Tourism Review. https://doi.org/10.1108/TR-06-2023-0375
Ningtyas, Y., Fitria, D., Pradani, Y. S., Mutohar, Arum, N. P., & Maknun, L. (2021). Analisis pengaruh sikap, norma subjektif, dan persepsi kontrol perilaku terhadap minat beli konsumen pada produk bersertifikat halal. Intelektiva : Jurnal Ekonomi, Sosial & Humaniora, 2(08), 42–49.
Putri, D. A. (2020). faktor - faktor yang mempengaruhi perilaku manajemen keuangan pelaku UMKM. Platform Riset Mahasiswa Akuntansi, 01(1), 62–73.
Rehman, S. U., Bhatti, A., Mohamed, R., & Ayoup, H. (2019). The moderating role of trust and commitment between consumer purchase intention and online shopping behavior in the context of Pakistan. Journal of Global Entrepreneurship Research, 9(1). https://doi.org/10.1186/s40497-019-0166-2
Risha, S. V. M., & Samudro, A. I. (2021). Peer-To-Peer Lending vs. Commercial Bank’s Credit System: Financing Solutions for Msmes in Indonesia. The Lawpreneurship Journal, 1(1), 58–81. https://doi.org/10.21632/tlj.1.1.58-81
Setyawan, W., & Wulandari, S. (2020). Peran Sikap Keuangan Dalam Mengintervensi Pengaruh Literasi Keuangan Terhadap Perilaku Manajemen Keuangan Pekerja Di Cikarang. Jurnal SEKURITAS (Saham, Ekonomi, Keuangan Dan Investasi), 4(1), 15. https://doi.org/10.32493/skt.v4i1.6435
Sherly, N., Amarul, A., & Supriatna, Y. (2023). Pengaruh Kualitas Produk, Citra Merek, Dan Celebrity Endorser Terhadap Minat Beli Produk MS Glow. Jurnal Inovasi Dan Kreativitas (JIKa), 2(2), 57–63. https://doi.org/10.30656/jika.v2i2.6035
Shneor, R., & Munim, Z. H. (2019). Reward crowdfunding contribution as planned behaviour: An extended framework. Journal of Business Research, 103(June), 56–70. https://doi.org/10.1016/j.jbusres.2019.06.013
Solihat, I., Hamundu, F. M., & Wahyu, M. (2023). Determinants of Behavior Intention To Adopt Peer-To-Peer Lending Services Among Indonesia. International Journal Od Business and Society, 24(1), 543–558.
Sun, S., Wong, Y. D., Wang, X., & Rau, A. (2024). Understanding behavioural motivations for travel-based multitasking: A case study in Singapore. Travel Behaviour and Society, 35(May 2021), 100714. https://doi.org/10.1016/j.tbs.2023.100714
Syarfi, S. M., & Asandimitra, N. (2020). Implementasi Theory of Planned Behavior dan Risk Tolerance terhadap Intensi Investasi Peer to Peer Lending. Jurnal Ilmu Manajemen, 8(3), 864. https://doi.org/10.26740/jim.v8n3.p864-877
Tama, R. A. Z., Ying, L., Yu, M., Hoque, M. M., Adnan, K. M., & Sarker, S. A. (2020). Assessing farmers’ intention towards conservation agriculture by using the Extended Theory of Planned Behavior. Journal of Environmental Management, March, 111654. https://doi.org/10.1016/j.jenvman.2020.111654
Tang, M., Mei, M., Li, C., Lv, X., Li, X., & Wang, L. (2020). How does an individual’s default behavior on an online peer-to-peer lending platform influence an observer’s default intention? Financial Innovation, 6(1). https://doi.org/10.1186/s40854-020-00197-y
Tanusdjaja, H. (2018). Keputusan Investasi Investor Individu Berdasarkan Kompetensi, Overconfidence, Dan Pendidikan. Jurnal Muara Ilmu Ekonomi Dan Bisnis, 2(1), 234. https://doi.org/10.24912/jmieb.v2i1.998
Walangitan, P. G. M., Lapian, J. S. L. H. ., & Sumarauw, J. S. . (2020). Perbedaan Fintech Peer To Peer Lending Antara Generasi X Dan Generasi Y Dalam Model Behavioral Intention Di Manado. Jurnal Ilmiah Manajemen Bisnis Dan Inovasi, 7(3), 640–656. https://doi.org/10.35794/jmbi.v7i3.31428
Wuisan, D., Hermawan, A., Antonio, F., & Pramono, R. (2023). The quest of peer-to-peer lending applications marketing to small and medium enterprises: Assessing intention to recommend. Innovative Marketing, 19, 158–172. https://doi.org/10.21511/im.19(4).2023.13
Yulandreano, E., & Rita, M. R. (2023). Investment Decisions on the Crowdfunding Platform Based on the Theory of Planned Behavior. Jurnal Manajemen Bisnis, 14(1), 36–52. https://doi.org/10.18196/mb.v14i1.16494
Yulianti, V. A., & Etikariena, A. (2021). Hubungan Antara Sikap Pengembangan Diri Kompetitif dan Perilaku Kerja Inovatif. Jurnal Diversita, 7(1), 30–35. https://doi.org/10.31289/diversita.v7i1.4474
Zhang, Y., & Li, L. (2020). Intention of Chinese college students to use carsharing: An application of the theory of planned behavior. Transportation Research Part F: Traffic Psychology and Behaviour, 75, 106–119. https://doi.org/10.1016/j.trf.2020.09.021
Published
2025-01-02
How to Cite
Mardika, D. R. W., Isdiati, E. H., Gunawati, I. S., & Triyono, B. (2025). Niat Menggunakan Pinjaman Online Di Kalangan Mahasiswa: Apakah Emosi Juga Berpengaruh?. Jesya (Jurnal Ekonomi Dan Ekonomi Syariah), 8(1), 156-170. https://doi.org/https://doi.org/10.36778/jesya.v8i1.1854
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Articles
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