PENGARUH PERSEPSI ETIS DAN RELIGIUSITAS TERHADAP NIAT UMKM MELAKUKAN PINJAMAN ONLINE PADA MASA COVID-19

  • Dewi Kusuma Wardani Universitas Sarjanawiyata Tamansiswa
  • Simon Pulung Nugroho Universitas Pembangunan Nasional “Veteran” Yogyakarta
  • Adia Adi Prabowo Universitas Sarjanawiyata Tamansiswa
Keywords: online loan, intention, ethical perception, religiousity, MSME

Abstract

The high of the online loan platforms growth is a solution for MSME to raising fund during the Covid-19 pandemic. However, online loans are known have unethical business process and violate religious value. This study was conducted to capture whether a person’s ethical and religious perceptions can reduce the intention to make an online loan.

This study uses questionnaires to collect data and snowball sampling method to get sample. This study uses multiple regression analysis to analize the data.

This study found two results. First, ethical perceptions can reduce the intention to make online loans. Second, religiousity has no effect on intention to make online loans. The implication of this research is that borrowers use their ethical perception to reduce ther intention to make online loans rather than their religious values. Therefore, online loans platforms should increase ethical value in their business processes by not charging too high interest and more humane collection process.

References

Asniyati, A., & Yaya, R. (2020). Analisis pengaruh financial literacy, religiusitas, mental accounting, dan norma subyektif terhadap minat dosen fakultas ekonomi menggunakan kartu kredit syariah. Reviu Akuntansi Dan Bisnis Indonesia, 4(2), 1–14. https://journal.umy.ac.id/index.php/rab/article/view/10706

Bella, F. I. (2020). Optimization of Islamic Peer-to-Peer Lending for Micro and Small Enterprises (MSEs) After Pandemic of Covid-19. Journal of Islamic Economic Laws, 3(2), 108–123.

Hidayatulloh, A., & Sartini, S. (2020). Pengaruh Religiusitas Dan Love of Money Terhadap Persepsi Etis Mahasiswa Akuntansi. Jurnal Akuntansi Universitas Jember, 17(1), 28. https://doi.org/10.19184/jauj.v17i1.9747

Ichwan, I., & Kasri, R. (2019). Why Are Youth Intent on Investing Through Peer To Peer Lending? Evidence From Indonesia. Journal of Islamic Monetary Economics and Finance, 5(4), 741–762. https://doi.org/10.21098/jimf.v5i4.1157

Iskamto, D. (2017). Analisis peranan religiusitas terhadap kepercayaan kepada perbankan syariah. Maqdis: Jurnal Kajian Ekonomi Islam -Volume 2, Nomor 2, Juli-Desember 2017, 2(2).

Kharisma, D. B. (2020). Problematika Mekanisme Penyelesaian Pinjaman Gagal Bayar Pada Pinjaman Online di Indonesia. Jurnal Rechtsvinding, 1(1), 1–7.

Khilfah, H. N. L., & Faturohman, T. (2020). Social Media Data To Determine Loan Default Predicting Method in an Islamic Online Peer To Peer Lending. Journal of Islamic Monetary Economics and Finance, 6(2), 243–274. https://doi.org/10.21098/jimf.v6i2.1184

Khoirunisa, A., Suwandono, A., & Muchtar, H. N. (2020). Implementasi Besaran Bunga Peer to Peer Lending Berdasarkan Asas Itikad Baik dalam Pemanfaatan Teknologi Informasi Serta Pengawasannya. Widya Yuridika: Jurnal Hukum, 3(1), 29. https://doi.org/10.31328/wy.v3i1.1294

Kurniasari, F., & Utomo, P. (2021). Determinants of Effectiveness Repayment Apps At P2P Lending Platform During Covid 19 Pandemic in Indonesia. Ultimaccounting : Jurnal Ilmu Akuntansi, 13(1), 156–172. https://doi.org/10.31937/akuntansi.v13i1.2094

Mahyarni. (2013). Theory of Reasoned Action and Theory of Planned Behavior: Sebuah Kajian Historis tentang Perilaku. Jurnal El-Riyasah, 4(1), 13–23. http://ejournal.uin-suska.ac.id/index.php/elriyasah/article/view/17/13

Muhammad, R., Fakhrunnas, F., & Hanun, A. K. (2021). The Determinants of Potential Failure of Islamic Peer-to-Peer Lending: Perceptions of Stakeholders in Indonesia. Journal of Asian Finance, Economics and Business, 8(2), 981–992. https://doi.org/10.13106/jafeb.2021.vol8.no2.0981

Nugraheni, N., & Aziza, Q. A. (2020). the Existence of Collateral in Credit Through Peer-To-Peer Lending Services. Yustisia Jurnal Hukum, 9(1), 98. https://doi.org/10.20961/yustisia.v9i1.39783

OJK. (2020). Perkembangan Fintech Lending Desember 2020. Desember, 1–11. https://www.ojk.go.id/id/kanal/iknb/data-dan-statistik/fintech/Documents/Statistik Fintech Lending Desember 2020.pdf

Panduwinasari, E., Ekasari, K., & Dewi, K. (2021). Persepsi ( Tidak ) Etis Mahasiswa Akuntansi : Ditinjau dari Pengetahuan Etika , Religiusitas dan Love of money. AKUNSIKA: Jurnal Akuntansi Dan Keuangan, 2(2), 68–78.

Poeteri, N. A. (2020). Faktor-Faktor Yang Mempengaruhi Niat Berinvestasi Generasi Milenial melalui Platform Peer-to-Peer Lending. Value: Jurnal Manajemen Dan Akuntansi, 16(1), 264–278.

Rastari, A. (2019). Pengaruh Religiusitas, Bagi Hasil Dan Kemudahan Akses Terhadap Keputusan Masyarakat Mengambil Pembiayaan Di Koperasi Syariah MSI. Simba, 3, 819–833.

Romdhoni, A. H., & Sari, D. R. (2018). Pengaruh Pengetahuan, Kualitas Pelayanan, Produk, dan Religiusitas terhadap Minat Nasabah untuk Menggunakan Produk Simpanan pada Lembaga Keuangan Mikro Syariah. Jurnal Ilmiah Ekonomi Islam, 4(02), 136. https://doi.org/10.29040/jiei.v4i02.307

Salvasani, A., & Kholil, M. (2020). Penanganan terhadap Financial Technology Peer-To-Peer Lending Ilegal Melalui Otoritas Jasa Keuangan (Studi Pada OJK Jakarta Pusat). Jurnal Privat Law, 8(2), 252–259. https://doi.org/10.20961/privat.v8i2.48417

Santoso, W., Trinugroho, I., & Risfandy, T. (2020). What Determine Loan Rate and Default Status in Financial Technology Online Direct Lending? Evidence from Indonesia. Emerging Markets Finance and Trade, 56(2), 351–369. https://doi.org/10.1080/1540496X.2019.1605595

Septiani, H. L. D., Sumarwan, U., Yuliati, L. N., & Kirbrandoko, K. (2021). Minat Petani Mengadopsi Sharing Economy Peer-To-Peer Lending Sebagai Alternatif Pembiayaan Pertanian. Mix: Jurnal Ilmiah Manajemen, 11(1), 1. https://doi.org/10.22441/mix.2021.v11i1.001

Suleiman, A. (2021). Improving Consumer Protection for Low-Income Customers in P2P Lending. Center for Indonesia Policy Studies, Policy Pap(No. 34), 1–40. https://repository.cips-indonesia.org/id/publications/343534/improving-consumer-protection-for-low-income-customers-in-p2p-lending

Sungadi, S. (2021). Pengaruh Religiusitas Dan Kompetensi Terhadap Kematangan Karier Pustakawan. UNILIB : Jurnal Perpustakaan, 12(1), 24–41. https://doi.org/10.20885/unilib.vol12.iss1.art3

Suryono, R. R. (2019). Financial Technology (Fintech) Dalam Perspektif Aksiologi. Masyarakat Telematika Dan Informasi : Jurnal Penelitian Teknologi Informasi Dan Komunikasi, 10(1), 52. https://doi.org/10.17933/mti.v10i1.138

Susanti, S. (2020). Persepsi Masyarakat Kota Pekanbaru tentang Aplikasi Pinjaman Online. Jom Fisip, 7(1), 1–15.

Wahyuni, R. A. E., & Turisno, B. E. (2019). Praktik Finansial Teknologi Ilegal Dalam Bentuk Pinjaman Online Ditinjau Dari Etika Bisnis. Jurnal Pembangunan Hukum Indonesia, 1(3), 379–391. https://doi.org/10.14710/jphi.v1i3.379-391

Wahyuni, S. (2012). Moslem Community Behavior in The Conduct of Islamic Bank: The Moderation Role of Knowledge and Pricing. Procedia - Social and Behavioral Sciences, 57, 290–298. https://doi.org/10.1016/j.sbspro.2012.09.1188

Wardani, D. K., Primastiwi, A., & Sulistio, A. (2020). Pengaruh Pengetahuan Etika & Religiusitas Islam Terhadap Penggunaan Peer To Peer Lending Berbasis Syariah. Jurnal Akuntansi, Keuangan Dan Perbankan, 12(1), 1–10. https://jurkubank.files.wordpress.com/2012/01/pdf-januari-2008.pdf

Yuliana, S. (2015). Pengaruh Faktor Ekonomi, Modal Sosial, dan Religiusitas terhadap Pengembalian Pembiayaan Murabahah. Jurnal Ekonomi Pembangunan, 13(1), 10–20.

Published
2021-08-16
How to Cite
Wardani, D., Nugroho, S., & Prabowo, A. (2021). PENGARUH PERSEPSI ETIS DAN RELIGIUSITAS TERHADAP NIAT UMKM MELAKUKAN PINJAMAN ONLINE PADA MASA COVID-19. Kajian Bisnis Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha, 29(2), 81 - 92. https://doi.org/10.32477/jkb.v29i2.296