Proceedings of the 3rd International Conference on Management and Business (ICOMB 2024)

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The Influence of Price Perception, Financial Knowledge, and Risk Perception on Decisions to Use Online Loan Services with Online Satisfaction as a Mediating Variable

Authors
Winda Amalia Sari1, *, Linda Oktafia1, Nindi Aulia Firdiana1, Isnatul Agil Kinanti1, Aisa Fadhilatul Istiqomah1
1Universitas Pembangunan Nasional Veteran Jawa Timur, Surabaya, Indonesia
*Corresponding author. Email: 21012010151@student.upnjatim.ac.id
Corresponding Author
Winda Amalia Sari
Available Online 30 April 2025.
DOI
10.2991/978-94-6463-698-7_28How to use a DOI?
Keywords
Price Perception; Financial Knowledge; Risk Perception; Consumer Satisfaction; Usage Decision; Online Lending
Abstract

His study examines the influence of pricing strategy, financial knowledge, and risk perception on the decision to use online loan services, with online satisfaction as a mediating variable. This study uses a quantitative method with data collection in the form of an online questionnaire via Google Forms. Sampling using purposive sampling technique with 100 respondents from Indonesia who have used online loan services. The data was then analyzed using structural equation modeling techniques with the help of SmartPLS 3 software. The study results indicate that pricing strategy, financial knowledge, and risk perception significantly affect the decision to use online loan services. Online satisfaction mediates the relationship between these variables and the decision to use online loan services.

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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Volume Title
Proceedings of the 3rd International Conference on Management and Business (ICOMB 2024)
Series
Advances in Economics, Business and Management Research
Publication Date
30 April 2025
ISBN
978-94-6463-698-7
ISSN
2352-5428
DOI
10.2991/978-94-6463-698-7_28How to use a DOI?
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.

Cite this article

risenwbib
TY  - CONF
AU  - Winda Amalia Sari
AU  - Linda Oktafia
AU  - Nindi Aulia Firdiana
AU  - Isnatul Agil Kinanti
AU  - Aisa Fadhilatul Istiqomah
PY  - 2025
DA  - 2025/04/30
TI  - The Influence of Price Perception, Financial Knowledge, and Risk Perception on Decisions to Use Online Loan Services with Online Satisfaction as a Mediating Variable
BT  - Proceedings of the 3rd International Conference on Management and Business (ICOMB 2024)
PB  - Atlantis Press
SP  - 264
EP  - 273
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-698-7_28
DO  - 10.2991/978-94-6463-698-7_28
ID  - Sari2025
ER  -