FAKTOR-FAKTOR YANG MEMENGARUHI USE BEHAVIOR PENGGUNA FINTECH CROWDFUNDING MELALUI BEHAVIORAL INTENTION

SHUJA AZMI ISMAIL, . (2026) FAKTOR-FAKTOR YANG MEMENGARUHI USE BEHAVIOR PENGGUNA FINTECH CROWDFUNDING MELALUI BEHAVIORAL INTENTION. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Perkembangan Fintech Crowdfunding di Indonesia memberikan kemudahan bagi masyarakat dalam melakukan aktivitas donasi dan pendanaan sosial secara digital. Namun, tingkat penggunaan secara berkelanjutan masih dipengaruhi oleh berbagai faktor psikologis, sosial, dan teknologi, khususnya pada Generasi Z sebagai kelompok pengguna digital terbesar. Penelitian ini bertujuan untuk mengkaji pengaruh variabel performance expectancy, social influence, effort expectancy, facilitating conditions, perceived trust, perceived risk, dan hedonic motivation terhadap behavioral intention serta dampaknya terhadap use behavior pengguna fintech crowdfunding pada platform Kitabisa, dengan behavioral intention sebagai variabel mediasi. Penelitian ini menggunakan pendekatan kuantitatif melalui penyebaran kuesioner kepada pengguna Generasi Z yang pernah menggunakan platform Kitabisa. Analisis data dilakukan menggunakan metode Structural Equation Modeling–Partial Least Squares (SEM-PLS) untuk menguji hubungan langsung dan tidak langsung antarvariabel. Hasil penelitian menunjukkan bahwa performance expectancy, social influence, effort expectancy, facilitating conditions, perceived trust, dan hedonic motivation berpengaruh positif terhadap behavioral intention, sedangkan perceived risk berpengaruh negatif terhadap behavioral intention. Selain itu, behavioral intention terbukti berpengaruh positif dan signifikan terhadap use behavior. Uji mediasi menunjukkan bahwa behavioral intention mampu memediasi pengaruh seluruh variabel independen terhadap use behavior, baik secara penuh maupun parsial. Temuan ini menegaskan bahwa perilaku penggunaan fintech crowdfunding dipengaruhi tidak hanya oleh aspek teknologi, tetapi juga oleh faktor kepercayaan, persepsi risiko, dan motivasi emosional pengguna. Oleh karena itu, peningkatan kualitas sistem, transparansi, keamanan, serta pengalaman emosional pengguna menjadi faktor penting dalam mendorong keberlanjutan penggunaan platform fintech crowdfunding. ***** The development of Fintech Crowdfunding in Indonesia has made it easier for people to conduct donations and social financing activities digitally. However, the level of continued use is still influenced by various psychological, social, and technological factors, especially among Generation Z as the largest digital user group. This study aims to analyze the influence of performance expectations, social influence, effort expectations, facilitating conditions, perceived trust, perceived risk, and hedonic motivation variable on behavioral intentions variable and their impact on the usage behavior of fintech crowdfunding users on the Kitabisa, with behavioral intentions as a mediating variable platform. A quantitative approach with a survey method through a questionnaire is used in this study involving Generation Z users who have used the Kitabisa platform. This study uses Structural Equation Modeling–Partial Least Squares (SEM-PLS) as the data analysis technique to examine direct and indirect relationships between variables. The results show that performance expectations, social influence, effort expectations, facilitating conditions, perceived trust, and hedonic motivation variable have a positive effect on behavioral intentions variable, while perceived risk has a negative effect on behavioral intentions. Furthermore, behavioral intentions variable are proven to have a positive and significant effect on usage behavior. The results of the mediation test indicate that behavioral intention is able to mediate the influence of all independent variables on usage behavior, both fully and partially. This finding suggests that fintech crowdfunding usage behavior is influenced not only by technological factors, but also by trust, risk perception, and user emotional motivation. Therefore, improving system quality, transparency, security, and user emotional experience are important factors in driving the desire to use fintech crowdfunding platforms.

Item Type:	Thesis (Sarjana)
Additional Information:	1). Dr. Ryna Parlyna, M.B.E. ; 2). Dr. Osly Usman, M.Bus.
Subjects:	Manajemen > Perilaku Konsumen
Divisions:	FE > S1 Bisnis Digital
Depositing User:	Users 32918 not found.
Date Deposited:	04 Feb 2026 06:33
Last Modified:	04 Feb 2026 06:33
URI:	http://repository.unj.ac.id/id/eprint/64889

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