Understanding Peer-to-Peer Lending for MSMEs in Bandung: The Role of Risk Perception and Perceived Ease of Use in Shaping Transaction Intention

DOI

10.2991/978-2-38476-495-2_26How to use a DOI?

Keywords

Ease of Use; MSMEs; Peer-to-peer lending; Risk

Abstract

Peer-to-Peer (P2P) online lending services are becoming increasingly popular among MSMEs in Bandung City, providing quick and easy access to capital. However, challenges arise due to the high non-performing loan (NPL) ratio, which is attributed to inaccurate risk perception, and ease of use of the application. This study aims to identify the impact of risk perception and perceived ease of use on transaction intention, as well as provide insights to enhance the safe and effective use of P2P Lending services for MSMEs in Bandung. This study employs a quantitative research methodology, utilizing survey data collected from 100 MSMEs in West Java through purposive sampling. The data analysis is performed using partial least squares structural equation modeling (PLS-SEM). The results indicate that risk perception significantly affects transaction intention in the use of Peer-to-Peer (P2P) Lending services for MSMEs in Bandung City. Conversely, perceived ease of use does not significantly affect MSMEs’ transaction intention to use the service. Simultaneously, both variables influence transaction intention, with lower risk and trust in the service's benefits being the more dominant factors in encouraging MSMEs to engage in transactions.

Copyright

© 2025 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Priyanto
AU  - Agustinus Purna Irawan
AU  - Haris Maupa
PY  - 2025
DA  - 2025/12/29
TI  - Understanding Peer-to-Peer Lending for MSMEs in Bandung: The Role of Risk Perception and Perceived Ease of Use in Shaping Transaction Intention
BT  - Proceedings of the International Conference on Economics, Business, Social, and Humanities 2025 (ICEBSH 2025)
PB  - Atlantis Press
SP  - 285
EP  - 299
SN  - 2352-5398
UR  - https://doi.org/10.2991/978-2-38476-495-2_26
DO  - 10.2991/978-2-38476-495-2_26
ID  - 2025
ER  -