{"id":"https://openalex.org/W4281913196","doi":"https://doi.org/10.24843/eeb.2022.v11.i05.p05","title":"FAKTOR-FAKTOR YANG MEMPENGARUHI PENGGUNAAN FINTECH LENDING PADA GENERASI MILENIAL","display_name":"FAKTOR-FAKTOR YANG MEMPENGARUHI PENGGUNAAN FINTECH LENDING PADA GENERASI MILENIAL","publication_year":2022,"publication_date":"2022-05-30","ids":{"openalex":"https://openalex.org/W4281913196","doi":"https://doi.org/10.24843/eeb.2022.v11.i05.p05"},"language":"en","primary_location":{"id":"doi:10.24843/eeb.2022.v11.i05.p05","doi":"https://doi.org/10.24843/eeb.2022.v11.i05.p05","is_oa":true,"landing_page_url":"https://doi.org/10.24843/eeb.2022.v11.i05.p05","pdf_url":"https://ojs.unud.ac.id/index.php/EEB/article/download/82564/44680","source":{"id":"https://openalex.org/S4210210103","display_name":"E-Jurnal Ekonomi dan Bisnis Universitas Udayana","issn_l":"2337-3067","issn":["2337-3067"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310314998","host_organization_name":"Udayana University","host_organization_lineage":["https://openalex.org/P4310314998"],"host_organization_lineage_names":["Udayana University"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"E-Jurnal Ekonomi dan Bisnis Universitas Udayana","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"bronze","oa_url":"https://ojs.unud.ac.id/index.php/EEB/article/download/82564/44680","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5083064728","display_name":"Ni Putu Aprilianti Tirta Dewi","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I126826664","display_name":"Udayana University","ror":"https://ror.org/035qsg823","country_code":"ID","type":"education","lineage":["https://openalex.org/I126826664"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Ni Putu Aprilianti Tirta Dewi","raw_affiliation_strings":["Fakultas Ekonomi dan Bisnis, Universitas Udayana, Bali, Indonesia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Fakultas Ekonomi dan Bisnis, Universitas Udayana, Bali, Indonesia","institution_ids":["https://openalex.org/I126826664"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5062984786","display_name":"I Ketut Yadnyana","orcid":"https://orcid.org/0000-0003-3976-3905","observed_orcids":["https://orcid.org/0000-0003-3976-3905"]},"institutions":[{"id":"https://openalex.org/I126826664","display_name":"Udayana University","ror":"https://ror.org/035qsg823","country_code":"ID","type":"education","lineage":["https://openalex.org/I126826664"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"I Ketut Yadnyana","raw_affiliation_strings":["Fakultas Ekonomi dan Bisnis, Universitas Udayana, Bali, Indonesia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Fakultas Ekonomi dan Bisnis, Universitas Udayana, Bali, Indonesia","institution_ids":["https://openalex.org/I126826664"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5024513388","display_name":"Gerianta Wirawan Yasa","orcid":"https://orcid.org/0000-0002-8991-0152","observed_orcids":["https://orcid.org/0000-0002-8991-0152"]},"institutions":[{"id":"https://openalex.org/I126826664","display_name":"Udayana University","ror":"https://ror.org/035qsg823","country_code":"ID","type":"education","lineage":["https://openalex.org/I126826664"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Gerianta Wirawan Yasa","raw_affiliation_strings":["Fakultas Ekonomi dan Bisnis, Universitas Udayana, Bali, Indonesia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Fakultas Ekonomi dan Bisnis, Universitas Udayana, Bali, Indonesia","institution_ids":["https://openalex.org/I126826664"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5006022667","display_name":"I Gde Ary Wirajaya","orcid":"https://orcid.org/0009-0002-7019-451X","observed_orcids":["https://orcid.org/0009-0002-7019-451X"]},"institutions":[{"id":"https://openalex.org/I126826664","display_name":"Udayana University","ror":"https://ror.org/035qsg823","country_code":"ID","type":"education","lineage":["https://openalex.org/I126826664"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"I Gde Ary Wirajaya","raw_affiliation_strings":["Fakultas Ekonomi dan Bisnis Universitas Udayana, Bali, Indonesia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Fakultas Ekonomi dan Bisnis Universitas Udayana, Bali, Indonesia","institution_ids":["https://openalex.org/I126826664"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I126826664"],"apc_list":null,"apc_paid":null,"fwci":0.4784,"has_fulltext":true,"cited_by_count":5,"citation_normalized_percentile":{"value":0.65739901,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":93,"max":97},"biblio":{"volume":null,"issue":null,"first_page":"557","last_page":"557"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.600600004196167,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.600600004196167,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.39579999446868896,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.0017000000225380063,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/fintech-lending","display_name":"fintech lending","score":0.9990000128746033},{"id":"https://openalex.org/keywords/millennials","display_name":"millennials","score":0.6029999852180481},{"id":"https://openalex.org/keywords/technology-adoption","display_name":"technology adoption","score":0.5120000243186951},{"id":"https://openalex.org/keywords/perceived-benefits","display_name":"perceived benefits","score":0.9620000123977661},{"id":"https://openalex.org/keywords/risk-perception","display_name":"risk perception","score":0.8550000190734863},{"id":"https://openalex.org/keywords/transaction-speed","display_name":"transaction speed","score":0.8059999942779541},{"id":"https://openalex.org/keywords/convenience","display_name":"convenience","score":0.9810000061988831},{"id":"https://openalex.org/keywords/economic-benefits","display_name":"economic benefits","score":0.6980000138282776},{"id":"https://openalex.org/keywords/theory-of-reasoned-action","display_name":"theory of reasoned action","score":0.8370000123977661},{"id":"https://openalex.org/keywords/subjective-norms","display_name":"subjective norms","score":0.6840000152587891},{"id":"https://openalex.org/keywords/user-acceptance","display_name":"user acceptance","score":0.6840000152587891},{"id":"https://openalex.org/keywords/bali","display_name":"Bali","score":0.5350000262260437}],"concepts":[{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.7833648920059204},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6489344835281372},{"id":"https://openalex.org/C100363876","wikidata":"https://www.wikidata.org/wiki/Q690661","display_name":"Nonprobability sampling","level":3,"score":0.627903938293457},{"id":"https://openalex.org/C75949130","wikidata":"https://www.wikidata.org/wiki/Q848010","display_name":"Database transaction","level":2,"score":0.5982298851013184},{"id":"https://openalex.org/C163355716","wikidata":"https://www.wikidata.org/wiki/Q2154783","display_name":"Risk perception","level":3,"score":0.5108282566070557},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.3623526692390442},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.3518189489841461},{"id":"https://openalex.org/C26760741","wikidata":"https://www.wikidata.org/wiki/Q160402","display_name":"Perception","level":2,"score":0.31828564405441284},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.31393593549728394},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.1198621392250061},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.09917470812797546},{"id":"https://openalex.org/C149923435","wikidata":"https://www.wikidata.org/wiki/Q37732","display_name":"Demography","level":1,"score":0.0},{"id":"https://openalex.org/C2908647359","wikidata":"https://www.wikidata.org/wiki/Q2625603","display_name":"Population","level":2,"score":0.0},{"id":"https://openalex.org/C169760540","wikidata":"https://www.wikidata.org/wiki/Q207011","display_name":"Neuroscience","level":1,"score":0.0},{"id":"https://openalex.org/C199360897","wikidata":"https://www.wikidata.org/wiki/Q9143","display_name":"Programming language","level":1,"score":0.0},{"id":"https://openalex.org/C144024400","wikidata":"https://www.wikidata.org/wiki/Q21201","display_name":"Sociology","level":0,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.24843/eeb.2022.v11.i05.p05","doi":"https://doi.org/10.24843/eeb.2022.v11.i05.p05","is_oa":true,"landing_page_url":"https://doi.org/10.24843/eeb.2022.v11.i05.p05","pdf_url":"https://ojs.unud.ac.id/index.php/EEB/article/download/82564/44680","source":{"id":"https://openalex.org/S4210210103","display_name":"E-Jurnal Ekonomi dan Bisnis Universitas Udayana","issn_l":"2337-3067","issn":["2337-3067"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310314998","host_organization_name":"Udayana University","host_organization_lineage":["https://openalex.org/P4310314998"],"host_organization_lineage_names":["Udayana University"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"E-Jurnal Ekonomi dan Bisnis Universitas Udayana","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.24843/eeb.2022.v11.i05.p05","doi":"https://doi.org/10.24843/eeb.2022.v11.i05.p05","is_oa":true,"landing_page_url":"https://doi.org/10.24843/eeb.2022.v11.i05.p05","pdf_url":"https://ojs.unud.ac.id/index.php/EEB/article/download/82564/44680","source":{"id":"https://openalex.org/S4210210103","display_name":"E-Jurnal Ekonomi dan Bisnis Universitas Udayana","issn_l":"2337-3067","issn":["2337-3067"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310314998","host_organization_name":"Udayana University","host_organization_lineage":["https://openalex.org/P4310314998"],"host_organization_lineage_names":["Udayana University"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"E-Jurnal Ekonomi dan Bisnis Universitas Udayana","raw_type":"journal-article"},"sustainable_development_goals":[],"study_designs":[{"id":"https://openalex.org/study-designs/observational-study","display_name":"Observational Study"}],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4281913196.pdf","grobid_xml":"https://content.openalex.org/works/W4281913196.grobid-xml"},"referenced_works_count":16,"referenced_works":["https://openalex.org/W1896464678","https://openalex.org/W1981018178","https://openalex.org/W2166161880","https://openalex.org/W2204834540","https://openalex.org/W2557542960","https://openalex.org/W2770907507","https://openalex.org/W2787044026","https://openalex.org/W2788984615","https://openalex.org/W2811340848","https://openalex.org/W2915707486","https://openalex.org/W2955974137","https://openalex.org/W2972558589","https://openalex.org/W2991186483","https://openalex.org/W3137236397","https://openalex.org/W3137318896","https://openalex.org/W4253203603"],"related_works":["https://openalex.org/W4313002784","https://openalex.org/W4406052714","https://openalex.org/W4387191841","https://openalex.org/W7216366552","https://openalex.org/W7133335807","https://openalex.org/W4200548414","https://openalex.org/W7221195071","https://openalex.org/W4402075988","https://openalex.org/W3081087167","https://openalex.org/W3136277619"],"abstract_inverted_index":{"Loan-based":[0],"fintech":[1,19,40,128,146,155,173],"systems":[2,55],"(fintech":[3],"lending)":[4],"allow":[5],"users":[6,22],"to":[7,29,79],"apply":[8],"for":[9],"loans":[10],"online":[11],"and":[12,136,162,200],"provide":[13],"small":[14],"loan":[15,24],"interest,":[16],"even":[17],"some":[18],"lending":[20,41,129,156],"frees":[21],"from":[23],"interest.":[25],"This":[26,59],"study":[27,60,70,179],"aims":[28],"obtain":[30],"empirical":[31],"evidence":[32],"regarding":[33],"the":[34,37,43,47,85,100,110,116,124,143,149,170,181,195],"determinants":[35],"of":[36,39,51,87,92,102,127,145,151,172,177,183,189,197,203],"use":[38,144,171],"in":[42,56,68,84,99,187,212],"millennial":[44],"generation":[45],"amid":[46],"increasingly":[48],"rapid":[49],"development":[50],"digital":[52],"technology-based":[53],"information":[54,205,214],"various":[57],"fields.":[58],"uses":[61],"a":[62,76,90,139,166],"quantitative":[63],"approach.":[64],"The":[65,120,175],"data":[66,111],"used":[67],"this":[69,178],"is":[71],"primary":[72],"data,":[73],"namely":[74],"through":[75],"survey":[77],"method":[78],"respondents":[80,94],"who":[81],"are":[82],"millennials":[83],"province":[86,101],"Bali":[88,103],"with":[89],"total":[91],"400":[93],"spread":[95],"across":[96],"nine":[97],"regencies/cities":[98],"obtained":[104,112],"by":[105,154],"purposive":[106],"sampling":[107],"technique.":[108],"Furthermore,":[109],"were":[113],"processed":[114],"using":[115,213],"SEM-PLS":[117],"statistical":[118],"tool.":[119],"results":[121,176],"show":[122],"that":[123,207],"perceived":[125,153],"benefits":[126],"system":[130,206],"users,":[131,157],"economic":[132],"benefits,":[133],"transaction":[134],"speed,":[135],"convenience":[137],"have":[138],"positive":[140],"effect":[141,168],"on":[142,169,194],"lending.":[147,174],"Meanwhile,":[148],"perception":[150],"risk":[152,164],"financial":[158],"risk,":[159,161],"security":[160],"operational":[163],"has":[165],"negative":[167],"confirm":[180],"Theory":[182],"Reasoned":[184],"Action":[185],"(TRA)":[186],"terms":[188],"attitudes":[190],"towards":[191],"individual":[192,210],"behavior":[193],"influence":[196],"subjective":[198],"norms":[199],"user":[201],"acceptance":[202],"an":[204],"will":[208],"affect":[209],"interest":[211],"technology.":[215]},"counts_by_year":[{"year":2025,"cited_by_count":3},{"year":2024,"cited_by_count":2}],"updated_date":"2026-11-07T11:25:07.637180","created_date":"2022-06-13T00:00:00"}
