Lifestyle Moderates Fintech Peer to Peer Lending and Risk Talking which Impact on Consumer Behavior
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Abstract
This study aims to analyze and prove the influence of fintech peer to peer lending and Risk Taking Behavior on Consumptive Behavior moderated by Lifestyle in Adolescents in Pandeglang Regency. This type of research is quantitative using primary data measured by a Likert scale. The number of samples used in this study was 400 adolescent respondents aged 15-24 years in the Pandeglang Regency area. This study uses the PLS-SEM analysis method which is processed with the smartPLS 4.0 program. The results of this study indicate that fintech peer to peer lending has a significant effect on consumptive behavior, Risk taking behavior has a significant effect on consumptive behavior, Lifestyle is able to moderate the relationship between fintech peer to peer lending and consumptive behavior, Lifestyle is able to moderate the relationship between risk taking behavior and consumptive behavior.
References
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Pino, G., Nieto Garcia, M., Peluso, A. M., Viglia, G., & Filieri, R. (2023). Understanding how virtuous lenders encourage support for peer-to-peer platforms’ prosocial initiatives. Journal of Business Research, 168(August), 114251. https://doi.org/10.1016/j.jbusres.2023.114251
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Wang, J. S., & Chen, Y. T. (2024). Configuring the RegTech business model to explore implications of FinTech. Egyptian Informatics Journal, 26(51), 100483. https://doi.org/10.1016/j.eij.2024.100483
Wistedt, U. (2024). Consumer purchase intention toward POI-retailers in cross-border E-commerce: An integration of technology acceptance model and commitment-trust theory. Journal of Retailing and Consumer Services, 81(May). https://doi.org/10.1016/j.jretconser.2024.104015
Zefanya, J., Arvante, Y., & Semarang, U. N. (2022). Dampak Permasalahan Pinjaman Online dan Perlindungan Hukum Bagi Konsumen Pinjaman Online The Impact of Online Loan Problems and Legal Protection for Online Loan Consumers. Ikatan Penulis Mahasiswa Hukum Indonesia Law Journal, 2(1), 73–87.
https://www.detik.com/jateng/hukum-dan-kriminal/d-6073306/ibu-tega-bunuh-anak-balitanya-di-hotel-semarang-ternyata-dipicu-pinjol
https://goodstats.id/article/tembus-rp59-triliun-inilah-provinsi-dengan-nominal-pinjol-tertinggi-2023-RMCu
https://news.detik.com/berita/d-6861275/daftar-kasus-pembunuhan-karena-pelaku-terlilit-pinjol-terbaru-mahasiswa-ui
Alverina, G. C. A., & Hadiprajitno, P. T. B. (2022). Pengaruh Profitabilitas, Financial Distress, Ukuran Perusahaan, Reputasi Auditor Dan Opini Audit Terhadap Audit Report Lag. Diponegoro Journal of Accounting, 372(2), 2499–2508.
Baran, P., Mamcarz, P., & Zieliński, P. (2024). Risk-taking behind the wheel: Validation of the Road Traffic Behaviours Questionnaire based on data from Polish car drivers. Transportation Research Part F: Traffic Psychology and Behaviour, 105(July), 1–12. https://doi.org/10.1016/j.trf.2024.06.024
Cahyoseputro, W., & Rizki, M. P. (2024). Pengaruh Fintech Lending terhadap Perilaku Konsumtif dan Gaya Hidup Generasi Milennial di Kota Bandung. Jurnal Pendidikan Tambusai, 8(1), Halaman 12243-12259.
de Roure, C., & McLaren, N. (2021). Liquidity transformation, collateral assets and counterparties. Central Bank Review, 21(4), 119–129. https://doi.org/10.1016/j.cbrev.2021.09.001
Eid, N., Yang, J., & Duygun, M. (2024). Bridging the credit gap: The influence of regional bank structure on the expansion of peer-to-peer lending. British Accounting Review, 56(6PA), 101448. https://doi.org/10.1016/j.bar.2024.101448
Ferilli, G. B., Palmieri, E., Miani, S., & Stefanelli, V. (2024). The impact of FinTech innovation on digital financial literacy in Europe: Insights from the banking industry. Research in International Business and Finance, 69(July 2023), 102218. https://doi.org/10.1016/j.ribaf.2024.102218
Genc, B., & Bayraktaroglu, A. G. (2017). Exploring the country of origin effect: A qualitative analysis of Turkish consumption practices. Review of Marketing Research, 14, 25–50. https://doi.org/10.1108/S1548-643520170000014005
Gerlach, J., Eckhoff, S., & Breitner, M. H. (2024). Decision support for strategic microgrid design integrating governance, business, intelligence, communication, and physical perspectives. Sustainable Cities and Society, 113(July), 105672. https://doi.org/10.1016/j.scs.2024.105672
Ghozali, I. (2014). Structural Equation Modeling Metode Alternatif Dengan Partial Least Square (PLS) (4th ed.). Universitas Diponegoro.
Hasibuan, A. R., & Jannah, N. (2023). Pengaruh Gaya Hidup, Pendapatan Dan Kemudahan Terhadap Keputusan Pembelian Secara Angsuran Dalam Perspektif Islam. Jurnal Ilmiah Multi Disiplin Indonesia, 2(7).
Hidayah, F. N., Nugroho, B. S., Ardiati, A. R., Tsaqyfa, M. N., Hakim, M. A., & Ridlwan, A. A. (2023). Meneropong Maraknya Pinjaman Online di Kalangan Mahasiswa: Motif dan Dampak Terhadap Perilaku Konsumtif. Jurnal Ilmu Manajemen, 11(4), 821–832.
Jannah, M., Nurchayati, N., Rahmasari, D., Dewi, D. K., & Widohardhono, R. (2022). Exploring the Risk-Taking Behavior of Student Athletes While Attending Education on Campus. International Journal of Current Educational Research, 1(2), 113–120. https://doi.org/10.53621/ijocer.v1i2.187
Mareczek, L., Riehl, C., Harms, M., & Reichl, S. (2024). Analysis of the impact of material properties on tabletability by principal component analysis and partial least squares regression. European Journal of Pharmaceutical Sciences, 200(May), 106836. https://doi.org/10.1016/j.ejps.2024.106836
Nariswari, R., Prakoso, T. S., Hafiz, N., & Pudjihastuti, H. (2022). Biplot analysis: A study of the change of customer behaviour on e-commerce. Procedia Computer Science, 216(2020), 524–530. https://doi.org/10.1016/j.procs.2022.12.165
Nugroho, B. S. (2024). Why Do They Take Online Loan? ( (study on Higher Students in East Java, Indonesia). Spring, 9(1), 1745–1784.
Peña, J. I., Rodríguez, R., & Mayoral, S. (2024). Hedging renewable power purchase agreements. Energy Strategy Reviews, 55(September 2023). https://doi.org/10.1016/j.esr.2024.101513
Phan, C., Filomeni, S., & Kok, S. K. (2024). The impact of technology on access to credit: A review of loan approval and terms in rural Vietnam and Thailand. Research in International Business and Finance, 72(PA), 102504. https://doi.org/10.1016/j.ribaf.2024.102504
Pino, G., Nieto Garcia, M., Peluso, A. M., Viglia, G., & Filieri, R. (2023). Understanding how virtuous lenders encourage support for peer-to-peer platforms’ prosocial initiatives. Journal of Business Research, 168(August), 114251. https://doi.org/10.1016/j.jbusres.2023.114251
Putri, P. A., & Rinaldi, K. (2023). The problems of Illegal Online Loans based on the Victim’s Perspective: A Case Study. International Journal of Advances in Social and Economics, 4(3), 102–106. https://doi.org/10.33122/ijase.v4i3.215
Ridwan, M., Harahap, I., & Harahap, P. (2019). Keputusan Pembelian Melalui Situs Belanja Online terhadap Perilaku Konsumtif Masyarakat dalam Perspektif Ekonomi Islam. Jurnal Ekonomi Dan Bisnis Islam, 3(2), 132–147. https://doi.org/10.32505/v3i2.1241
Ross, C. E., Hill, T. D., & Mirowsky, J. (2016). Reconceptualizing health lifestyles: The case of marriage. Research in the Sociology of Health Care, 34, 243–260. https://doi.org/10.1108/S0275-495920160000034013
sugiyono. (2020). metodelogi penelitian.
Sun, B., Zhang, Y., & Zheng, L. (2023). Relationship between time pressure and consumers’ impulsive buying—Role of perceived value and emotions. Heliyon, 9(12). https://doi.org/10.1016/j.heliyon.2023.e23185
Wang, J. S., & Chen, Y. T. (2024). Configuring the RegTech business model to explore implications of FinTech. Egyptian Informatics Journal, 26(51), 100483. https://doi.org/10.1016/j.eij.2024.100483
Wistedt, U. (2024). Consumer purchase intention toward POI-retailers in cross-border E-commerce: An integration of technology acceptance model and commitment-trust theory. Journal of Retailing and Consumer Services, 81(May). https://doi.org/10.1016/j.jretconser.2024.104015
Zefanya, J., Arvante, Y., & Semarang, U. N. (2022). Dampak Permasalahan Pinjaman Online dan Perlindungan Hukum Bagi Konsumen Pinjaman Online The Impact of Online Loan Problems and Legal Protection for Online Loan Consumers. Ikatan Penulis Mahasiswa Hukum Indonesia Law Journal, 2(1), 73–87.
https://www.detik.com/jateng/hukum-dan-kriminal/d-6073306/ibu-tega-bunuh-anak-balitanya-di-hotel-semarang-ternyata-dipicu-pinjol
https://goodstats.id/article/tembus-rp59-triliun-inilah-provinsi-dengan-nominal-pinjol-tertinggi-2023-RMCu
https://news.detik.com/berita/d-6861275/daftar-kasus-pembunuhan-karena-pelaku-terlilit-pinjol-terbaru-mahasiswa-ui
Published
2024-11-30
How to Cite
MUNAZAT, Mumu; DASMARAN, Verliani; SUTIHAT, Eva.
Lifestyle Moderates Fintech Peer to Peer Lending and Risk Talking which Impact on Consumer Behavior.
International Conference on Business Management and Accounting, [S.l.], v. 3, n. 1, p. 8-16, nov. 2024.
ISSN 2988-5590.
Available at: <https://ejournal.pelitaindonesia.ac.id/ojs32/index.php/ICOBIMA/article/view/4560>. Date accessed: 17 mar. 2025.
doi: https://doi.org/10.35145/icobima.v3i1.4560.
Section
Articles
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
