INTENTION TO INVEST IN PEER TO PEER LENDING : THEORY OF PLANNED BEHAVIOUR APPROACH

Abstract

Peer-to-peer lending is an example of implementing financial technology (fintech) in the form of information technology-based lending and borrowing services. Investing in peer-to-peer landing has several advantages, including higher returns, good diversification options, and flexible ownership. This study aims to determine the effect of attitude variables, subjective norms, behavioral control on the intention to invest in peer-to-peer lending with income as a moderating variable. The research method used is a quantitative research method with primary data obtained from questionnaire data which is measured using a Likert scale. This research was conducted in Denpasar City. The sample in this study amounted to 400 samples. Samples were taken from the population-based on a non-probability approach using the snowball sampling technique. Furthermore, after the data is collected, data analysis is carried out in the form of descriptive analysis and inferential analysis. The results of this study state that attitudes affect the intention to invest in peer to peer lending, subjective norms have no effect on intentions to invest in peer to peer lending, behavioral control has no effect on intentions to invest in peer to peer lending, and income is not able to strengthen the influence of attitudes, subjective norms and behavioral control on the intention to invest in peer to peer lending