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Determinan Masyarakat Cirebon dalam Menggunakan Layanan SPinjam

Asmiyati Khusnul Maryam, Siti Maemunah, Muhammad Azka Maulana

Abstract


The existence of online loans has begun to grow rapidly in society, one of which is Shopee's SPinjam online loan. SPinjam is an online loan service provided by the Shopee application. This study aims to analyze the determinants of Cirebon society's interest in using SPinjam services. Previous research has focused more on SPaylater services, while this research discusses public interest in SPinjam as an online loan service in Indonesia. The data analysis technique used in this study is Partial Least Square. Based on the tests carried out, it was found that partially the variables of trust and convenience had a significant effect on the interest of the Cirebon society in using SPinjam services. For the value of the coefficient of determination (R2) the trust and convenience variables contribute 33.6% in explaining variations in the Cirebonese society’s interest variable in using SPinjam services. Thus, even though the majority of respondents are Muslim and know that SPinjam online loans contain usury and high risk, most of them are still interested in using the service because they find it very easy and efficient. The limitations of this research are the use of variables that are only trust and convenience, and the scope of research is still limited

Keywords


Online Loans, Trust, Convenience, Interest in Using

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