FACTORS INFLUENCING INTENTION TO BORROW PEER TO PEER LENDING WITH MODERATED BY RELIGIOSITY AMONG GENERATION Z

Abstract

The current development of digital technology transformation can make technology from the financial sector called fintech and innovate in the form of an online lending and borrowing platform called fintech peer to peer lending that makes it easier for the public to borrow funds. The purpose of this study is to analyze the factors that influence the intention to borrow P2P Lending with religiosity moderation. Because the intention to borrow funds in P2P Lending is an impulse that comes from within each individual for online loans. The variables in this research are Financial literacy, Perceived behavioral control, Subjective norm as independent variable, Religiosity as moderator and intention to borrow P2P Lending as dependent variable. This study uses a quantitative method with a total of 202 respondents with 25 questions spread online and data processing using SmartPLS 3.3.3. The results of this study are Financial literacy has no significant influence Intention to borrow peer to peer lending, Perceived behavioral control and Subjective norm significantly influence Intention to borrow peer to peer lending and then Religiosity has no significant as a moderator relationship between Financial literacy, Perceived behavioral control, and Subjective norm influence Intention to borrow peer to peer lending.