Analisis Financial Knowledge dan Minat Transaksi terhadap Penggunaan Fintech Peer-To-Peer Lending di Kota Surabaya

Abstract

This study aims to analyze and determine the effect of Financial Knowledge and Transaction Interest on the Use of Financial Technology Peer to Peer (P2P) Lending in the community in the city of Surabaya. The population in this study are people in the city of Surabaya who have used peer to peer lending type of financial technology. Samples were taken based on criteria using purposive sampling method, and based on the Wibisono formula to determine the sample and get 96 respondents obtained results. The distribution of questionnaires was used for data collection in this study. This study uses Partial Least Square (PLS) analysis as a data analysis technique. The results show that Financial Knowledge and Transaction Interest have a positive and significant effect on the use of P2P Lending Financial Technology. Financial Knowledge and Transaction Interest are independent variables that affect the use of Financial Technology P2P Lending in the city of Surabaya by 55.5%. The rest is explained by other independent variables that can have an influence on the use of P2P Lending Financial Technology in the city of Surabaya.