Electronic Resource
Faktor- Faktor Yang Mempengaruhi Pengembalian Keputusan UMKM Terhdap PEER TO PEER (P2P) Lending Syariah
Peer to peer (P2P) lending sharia or borrowing service based on
information technology is part of financial technology by applying principles of
sharia and to be a solutions for MSME’s in capital issues. This research aims to
analyze influencing factors of MSME’s decisions on taking loans through Peer to
Peer (P2P) Lending Sharia and the processes of decision making. The method
used in this research is factor analysis and descriptive analysis. The sample in this
study was 76 respondens MSME customers.
The result of the research shows that there are six factors that influence the
decisions of MSME in taking loan through Peer to Peer (P2P) Lending Sharia for
capital issues are experience factor, personal factor, cultural factor, psychological
factor, fact factor and social factor.
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