The Impact of Trust in Fintech P2P Lending Users on Continuance Intention Through Perceived Benefits, Perceived Ease of Use, and Perceived Risk

  • Fajrur Rizal Bakhri Universitas Hayam Wuruk Perbanas, Surabaya, Indonesia
  • Ika Yunia Fauzia Universitas Hayam Wuruk Perbanas, Surabaya, Indonesia https://orcid.org/0000-0003-1314-7602
DOI: https://doi.org/10.31538/iijse.v9i1.8289
Keywords: Perceived Benefits; Perceived Ease of Use; Perceived Risk, Trust; Sustainable Intention; Fintech P2P Lending

Abstract

This study aims to analyze the effect of perceived benefits, perceived ease of use and perceived risk on sustainable intentions through trust in fintech p2p lending users. The research method used is quantitative research used in this study including causal research. The sample consists of a research sample of at least 150 respondents of MSME business actors who are BPR customers in East Java Province. The results showed that perceived benefits had a significant positive effect on sustainability intentions, perceived ease of use had a significant positive effect on sustainability intentions, perceived risk had a significant negative effect on sustainability intentions, perceived benefits had a significant positive effect on trust, perceived ease of use had a significant positive effect on trust, perceived risk had a significant negative effect on trust, trust had a significant positive effect on sustainability intentions, perceived benefits had a significant positive effect on sustainability intentions, perceived ease of use had a significant positive effect on sustainability intentions through trust, lending in the trade sector, perceived risk had a significant negative effect on sustainability intentions through trust.

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Author Biography

Ika Yunia Fauzia, Universitas Hayam Wuruk Perbanas, Surabaya, Indonesia

PENGALAMAN PUBLIKASI DALAM MAJALAH JURNAL ILMIAH
THN PENULIS DESKRIPSI PUBLIKASI
2018 Ika Yunia Fauzia Perilaku Pebisnis dan Wirausaha Muslim dalam Menjalankan Asas Transaksi Syariah
Jurnal Akuntansi Multi Paradigma (JAMAL), Volume 9, No. 1, 2018 (Terakreditasi) http://jamal.ub.ac.id/index.php/jamal/article/view/930
2018 Ika Yunia Fauzia The Islamic Models of Saving and Investment sebagai Suatu Tawaran atas Perilaku Impulse Buying pada Produk dan Jasa Taḥsīnīyāt
Jurnal ISLAMICA, Volume 12, No. 2, Maret 2018 (ISSN Print: 1978-3183, ISSN Online 23562218). TERAKREDITASI. Nomor: 56/DIKTI/Kep/2017
http://islamica.uinsby.ac.id/index.php/islamica/issue/view/31
2018 Ika Yunia Fauzia
Nurcholis Setiawan
Shinta Setia Perilaku Impulse Buying Muslimah Indonesia: Studi Kasus Pembelian Tidak Terencana Produk Woman Fashion Melalui Pembelian Online
Kafaah: Journal of Gender Studies, Volume 9, No. 2, 2018 (ISSN Cetak 2356-0894, ISSN Online, 23560630), AKREDITASI SK Menristek DIKTI RI, No. 51/E/KPT/2017
http://www.kafaah.org/index.php/kafaah/article/view/212
2016 Ika Yunia Fauzia Urgensi Implementasi Green Economy Perspectif Pendekatan Dharuriyah Dalam Maqashid al-Shariah
Jurnal Ekonomi dan Bisnis Islam, Volume 2, No. 1, 2016 ( p-ISSN: 2442-6563 dan e-ISSN: 2527-3027 https://e-journal.unair.ac.id/JEBIS/article/view/1503
2015 Ika Yunia Fauzia Pemanfaatan E-Commerce dan M-Commerce dalam Bisnis di Kalangan Wirausahawan Perempuan
Journal of Business and Banking, Volume 5, No. 2, November 2015 (ISSN: 2088-7841) https://journal.perbanas.ac.id/index.php/jbb/article/view/705
2015 Ika Yunia Fauzia Membangun Ekonomi Pedesaan dengan Financial Inclusion Melalui Lembaga Keuangan Shariah
Jurnal Ekonomi Syariah AN-NISBAH, Volume 2, No. 1, April 2015 (ISSN: 2406-8276) http://ejournal.iain-tulungagung.ac.id/index.php/nisbah/article/view/252
2015 Ika Yunia Fauzia Mendeteksi Kebangrutan Secara Dini Perspektif Ekonomi Islam
Jurnal EKUITAS, Volume 9, No. 1, Maret 2015 (ISSN: 1411-0393). TERAKREDITASI, https://ejournal.stiesia.ac.id/ekuitas/article/view/92
2015 Ika Yunia Fauzia Akad Wakalah dan Samsarah Sebagai Solusi atas Klaim Keharaman Dropship dalam Jual Beli Online
Jurnal ISLAMICA, Volume 9, No. 2, Maret 2015 (ISSN: 1978-3183). TERAKREDITASI. http://islamica.uinsby.ac.id/index.php/islamica/article/view/234

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Published
2026-02-06
How to Cite
Bakhri, F., & Fauzia, I. (2026). The Impact of Trust in Fintech P2P Lending Users on Continuance Intention Through Perceived Benefits, Perceived Ease of Use, and Perceived Risk. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 9(1), 2802-2815. https://doi.org/10.31538/iijse.v9i1.8289
Issue
Vol 9 No 1 (2026): Sharia Economics
Section
Articles

Copyright (c) 2026 Fajrur Rizal Bakhri, Ika Yunia Fauzia

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