Minat Penggunaan Peer To Peer Lending : Bukti Empiris Berbasis Kesadaran Konsumsi Islami & Literasi Keuangan Digital
Keywords:
Islamic Consumption Awareness, Digital Financial Literacy, Interest in Using, P2P LendingAbstract
The digital transformation of the financial industry through peer-to-peer (P2P) lending has triggered a shift toward consumptive funding behavior, creating a gap between financial technology adoption and financial behavior control in Bone Regency. The practicality of online loans often obscures financial rationality and ethical transaction values of the community. This study aims to analyze and explain the influence of Islamic consumption awareness and digital financial literacy on the interest of the Bone Regency community in using P2P lending services. The research method applied is causal associative quantitative. Sampling was conducted using a purposive sampling technique, resulting in 84 productive-age respondents. Data processing was carried out using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method, assisted by SmartPLS 4 software. The results show that Islamic consumption awareness has a negative and insignificant effect on the interest in using P2P lending (β = -0.131; t = 0.954; p = 0.340). Conversely, digital financial literacy is proven to have a positive and highly significant effect on the interest in using P2P lending (β = 0.632; t = 4.887; p = 0.000). Simultaneously, both exogenous variables contribute 28.1% to the variance of interest in using the service. These findings reflect a dualism of orientation in the local community, where the appeal of digital feature practicality (cognitive push) is currently proven to be more dominant in influencing adoption interest compared to spiritual normative constraints (spiritual pull).
References
Alfikri, S., M. Baga, L., & S. (2019). Kesadaran dan Kesediaan Membayar Konsumen Terhadap Daging Sapi Bersertifikat Halal di Kota dan Kabupaten Bogor. Journal of Halal Product and Research, 2(2).
Arsal, D. A. T., & Kamala, R. A. (2025). Penerapan Sistem Ujrah Sebagai Alternatif Pembiayaan Tanpa Riba Dalam Peer To Peer Lending Syariah Di Indonesia. Proseding Konferensi Integrasi Interkoneksi Islam Dan Sains, 6(1).
Azis, M. A., Kaafi, A. Al, Leliyanah, L., & Suparni, S. (2022). Pelatihan Penyusunan Laporan Keuangan Menggunakan Ms.Excel Sebagai Upaya Pengembangan Ekonomi Kreatif Dilingkungan Karang Taruna. Jurnal Abdimas Ekonomi Dan Bisnis, 2(2). https://doi.org/10.31294/abdiekbis.v2i2.1628
BPS Kabupaten Bone. (2024). Pertumbuhan Ekonomi Kabupaten Bone Tahun 2023 Mencapai 3,77 Persen. BPS Kabupaten Bone.
Dm, R. (2025). Peran Financial Technology ( FinTech ) dalam Meningkatkan Inklusi Keuangan di Indonesia The Role of Financial Technology ( FinTech ) in Increasing Financial Inclusion in Indonesia. Jurnal Kolaboratif Sains, 8(1). https://doi.org/10.56338/jks.v8i1.7071
Dwipayanti, K. D., Latupeirissa, J. J. P., Antari, N. P. B. W., & Maheswari, A. A. I. A. (2025). Model Penerimaan Teknologi Qris Pada Pedagang Pasar Tradisional Kumbasari : Refleksi Dari E - Government. RIGGS: Journal of Artificial Intelligence and Digital Business, 4(3). https://doi.org/10.31004/riggs.v4i3.3002
Fernando, F. L., & Luhur, A. (2024). Perlindungan Hukum Terhadap Data Pribadi Nasabah Pinjaman Online (Studi di OVO). Syntax Literate ; Jurnal Ilmiah Indonesia, 9(2). https://doi.org/10.36418/syntax-literate.v9i2.14770
Hamdi, A. S., Rahmat, A., & I. (2023). Metode Penelitian Kuantitatif Ekonomi Syariah. In Metode Penelitian Kuantitatif Ekonomi Syariah.
Hidayat, M. R., Ramadhani, I., & Huda, N. (2023). Konstruksi Teori Dan Etika Konsumsi Islami Sebagai Manifestasi Pemikiran Ekonomi Monzer Kahf. Jurnal Ilmiah Ekonomi Islam, 9(2). https://doi.org/10.29040/jiei.v9i2.8880
Husna, N. El, Saidek, A. R., & Kasnelly, S. (2019). Pengaruh Perilaku Konsumen Terhadap Konsumsi Islami di Kelurahan Tungkal III. Ekonomi Syariah, 1(1), 17–38.
joseph F. Hair Jr.Ringle, C. M., & Sarstedt, M. (2021). Partial Least Squares Structural Equation Modeling ( PLS-SEM ) Using R. https://doi.org/https://doi.org/10.1007/978-3-030-80519-7
Junaidin, S. H., Sjah, T., & Budastra, K. (2025). Mungkinkah Koperasi Merah Putih Berhasil. JURNAL ECONOMINA, 4(11). https://doi.org/https://doi.org/10.55681/economina.v4i11.1802
Kartikaningrum, S. (2024). Pengaruh niat whistleblowing, literasi keuangan, dan literasi digital dalam pencegahan pinjaman online ilegal dengan gender sebagai variabel moderasi (Studi di Provinsi Daerah Istimewa Yogyakarta) (Tesis Magister, Universitas Islam Indonesia). Program Stu.
Khaf, M. (1992). A Contribution to the Theory of Consumer Behaviour in an Islamic Society. Khursid Ahmad (Ed), Studies in Islamic Economic. In Leicester: The Islamic Foundation dan IRTI-IDB (p. 21).
Lemeshow, S., Hosmer, D. W. Jr., Klar, J., & Lwanga, S. K. (1990). Adequacy of sample size in health studies. World Health Organization.
M. SUTALHIS, M. S., & NOVARIA, E. (2023). PEMBELAJARAN MULTIKULTURAL: MEMAHAMI DIVERSITAS SOSIOKULTURAL DALAM KONTEKS PENDIDIKAN. Jurnal Ilmu Pendidikan Dan Psikologi (JIPP), 1(3). https://doi.org/https://doi.org/10.61116/jipp.v1i3.181
OECD. (2016). Adult Financial Literacy Competencies CORE COMPETENCIES FRAMEWORK ON. Financial Literacy and Education Trust Fund, 1–100.
Ramantara, M. (2023). Pengaruh literasi keuangan dan gaya hidup terhadap perilaku konsumtif pengguna aplikasi pinjaman online (peer to peer landing) pada mahasiswa Jawa Timur tahun 2021. Maliki Interdisciplinary Journal (MIJ) EISSN, 1(6), 441–450. http://urj.uin-malang.ac.id/index.php/mij/index
Rizki, A., Wahab, A., & Masse, R. A. (2023). Teori Konsumsi Islami Sebagai Pedoman Perilaku dan Penerapannya dalam Kehidupan. Adzkiya : Jurnal Hukum Dan Ekonomi Syariah, 11(2).
Rizki, A., Wahab, A., & Masse, R. A. (2023a). Teori Konsumsi Islami sebagai Pedoman dalam Kehidupan Sehari-hari. Adzkiya : Jurnal Hukum Dan Ekonomi Syariah, 11(2), 82. https://e-journal.metrouniv.ac.id/index.php/adzkiya/article/view/7859
Rizki, A., Wahab, A., & Masse, R. A. (2023b). Teori Konsumsi Islami Sebagai Pedoman Perilaku dan Penerapannya dalam Kehidupan. Adzkiya : Jurnal Hukum Dan Ekonomi Syariah, 11(2).
Rusadi, A. & R. (2024). Moslem Intention to Use Sharia Peer to Peer Lending: A Case in Indonesia using Technology Acceptance Model (TAM), Journal of Sustainable Economics.
Takdirmin, T., Ramadhani, F., Ramadhani, I., Nurfadillah, N., & Dwiyasta, V. (2025). Keuangan Digital Dan Fintech: Inovasi, Dampak, Dan Tantangan Di Era Digital. Journal of Authentic Research, 4(1). https://doi.org/10.36312/jar.v4i1.2828
Utama, I. (2024). Faktor-faktor yang memengaruhi minat masyarakat memilih fintech P2P lending syariah (Tesis Magister, Universitas Islam Negeri Syarif Hidayatullah Jakarta). Fakultas Ekonomi dan Bisnis.
Zikra Amalia, Isnaliana, Muksal, E. G. (2025). Pengaruh literasi keuangan syariah, kemudahan, dan perilaku konsumtif terhadap minat masyarakat Aceh dalam menggunakan fintech peer to peer lending syariah. JIHBIZ: Global Journal of Islamic Banking and Finance, 7(2), 252–272.
Downloads
Published
Issue
Section
Citation Check
License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with Al-Iqtishad: Jurnal Ekonomi Syariah agree to the following terms:
Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License (CC BY-SA 4.0) that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
