{"id":"https://openalex.org/W7204234673","doi":"https://doi.org/10.67925/belgi.v1i1.11","title":"Exploring online informal loans: Expanding UTAUT2 in consumer credit behavior throughout urban communities in Indonesia","display_name":"Exploring online informal loans: Expanding UTAUT2 in consumer credit behavior throughout urban communities in Indonesia","publication_year":2025,"publication_date":"2025-11-10","ids":{"openalex":"https://openalex.org/W7204234673","doi":"https://doi.org/10.67925/belgi.v1i1.11"},"language":"en","primary_location":{"id":"doi:10.67925/belgi.v1i1.11","doi":"https://doi.org/10.67925/belgi.v1i1.11","is_oa":true,"landing_page_url":"https://doi.org/10.67925/belgi.v1i1.11","pdf_url":"https://belgifoods.com/bjs/index.php/journal/article/download/11/5","source":{"id":"https://openalex.org/S7407064042","display_name":"BELGIFOODS JOURNALS","issn_l":"3123-769X","issn":["3123-769X"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"BELGIFOODS JOURNALS","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://belgifoods.com/bjs/index.php/journal/article/download/11/5","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5057479894","display_name":"Destiana Utarindasari","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4405275417","display_name":"Sekolah Tinggi Ekonomi Bisnis Syariah Bina Mandiri","ror":"https://ror.org/03jqf3y69","country_code":"ID","type":"education","lineage":["https://openalex.org/I4405275417"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Destiana Utarindasari","raw_affiliation_strings":["STEBIES bina mandiri, Bogor, Indonesia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"STEBIES bina mandiri, Bogor, Indonesia","institution_ids":["https://openalex.org/I4405275417"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5090898719","display_name":"Ermi Herawati","orcid":"https://orcid.org/0000-0003-0963-3376","observed_orcids":["https://orcid.org/0000-0003-0963-3376"]},"institutions":[{"id":"https://openalex.org/I4405275417","display_name":"Sekolah Tinggi Ekonomi Bisnis Syariah Bina Mandiri","ror":"https://ror.org/03jqf3y69","country_code":"ID","type":"education","lineage":["https://openalex.org/I4405275417"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Ermi Herawati","raw_affiliation_strings":["STEBIES bina mandiri, Bogor, Indonesia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"STEBIES bina mandiri, Bogor, Indonesia","institution_ids":["https://openalex.org/I4405275417"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5029986438","display_name":"Destiana Kumala","orcid":"https://orcid.org/0000-0001-8497-0335","observed_orcids":["https://orcid.org/0000-0001-8497-0335"]},"institutions":[{"id":"https://openalex.org/I4405275417","display_name":"Sekolah Tinggi Ekonomi Bisnis Syariah Bina Mandiri","ror":"https://ror.org/03jqf3y69","country_code":"ID","type":"education","lineage":["https://openalex.org/I4405275417"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Destiana Kumala","raw_affiliation_strings":["STEBIES bina mandiri, Bogor, Indonesia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"STEBIES bina mandiri, Bogor, Indonesia","institution_ids":["https://openalex.org/I4405275417"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5090579128","display_name":"Siti Ruhana Dara","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4405276025","display_name":"Universitas Kalbis","ror":"https://ror.org/04q03kr42","country_code":"ID","type":"education","lineage":["https://openalex.org/I4405276025"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Siti Ruhana Dara","raw_affiliation_strings":["Universitas Kalbis, Jakarta, Indonesia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Kalbis, Jakarta, Indonesia","institution_ids":["https://openalex.org/I4405276025"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"1","issue":"1","first_page":"81","last_page":"98"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.9907000064849854,"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":0.9907000064849854,"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":0.005100000184029341,"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":0.0012000000569969416,"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/consumer-credit-behavior","display_name":"consumer credit behavior","score":0.8500000238418579},{"id":"https://openalex.org/keywords/utaut2","display_name":"UTAUT2","score":0.9070000052452087},{"id":"https://openalex.org/keywords/perceived-behavioral-control","display_name":"perceived behavioral control","score":0.8190000057220459},{"id":"https://openalex.org/keywords/social-influence","display_name":"social influence","score":0.9800000190734863},{"id":"https://openalex.org/keywords/source-trustworthiness","display_name":"source trustworthiness","score":0.9810000061988831},{"id":"https://openalex.org/keywords/habit","display_name":"habit","score":0.7829999923706055},{"id":"https://openalex.org/keywords/hedonic-motivation","display_name":"hedonic motivation","score":0.9810000061988831},{"id":"https://openalex.org/keywords/price-value","display_name":"price value","score":0.7599999904632568},{"id":"https://openalex.org/keywords/illegal-lending","display_name":"illegal lending","score":0.7360000014305115},{"id":"https://openalex.org/keywords/urban-consumers","display_name":"urban consumers","score":0.5669999718666077},{"id":"https://openalex.org/keywords/indonesia","display_name":"Indonesia","score":0.8169999718666077}],"concepts":[{"id":"https://openalex.org/C106399304","wikidata":"https://www.wikidata.org/wiki/Q868123","display_name":"Snowball sampling","level":2,"score":0.7656000256538391},{"id":"https://openalex.org/C153083717","wikidata":"https://www.wikidata.org/wiki/Q6535263","display_name":"Leverage (statistics)","level":2,"score":0.6312999725341797},{"id":"https://openalex.org/C44670240","wikidata":"https://www.wikidata.org/wiki/Q1299714","display_name":"Habit","level":2,"score":0.5989999771118164},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5256999731063843},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.4406000077724457},{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.4212000072002411},{"id":"https://openalex.org/C71104824","wikidata":"https://www.wikidata.org/wiki/Q1476639","display_name":"Structural equation modeling","level":2,"score":0.3961000144481659},{"id":"https://openalex.org/C2775924081","wikidata":"https://www.wikidata.org/wiki/Q55608371","display_name":"Control (management)","level":2,"score":0.37950000166893005},{"id":"https://openalex.org/C131158328","wikidata":"https://www.wikidata.org/wiki/Q1307337","display_name":"Social influence","level":2,"score":0.373199999332428},{"id":"https://openalex.org/C2779343474","wikidata":"https://www.wikidata.org/wiki/Q3109175","display_name":"Context (archaeology)","level":2,"score":0.34599998593330383},{"id":"https://openalex.org/C121087249","wikidata":"https://www.wikidata.org/wiki/Q546395","display_name":"Emerging markets","level":2,"score":0.3199999928474426},{"id":"https://openalex.org/C23213687","wikidata":"https://www.wikidata.org/wiki/Q301468","display_name":"Consumer behaviour","level":2,"score":0.3165999948978424},{"id":"https://openalex.org/C100001284","wikidata":"https://www.wikidata.org/wiki/Q2248246","display_name":"Public economics","level":1,"score":0.3077999949455261},{"id":"https://openalex.org/C43214815","wikidata":"https://www.wikidata.org/wiki/Q7310987","display_name":"Reliability (semiconductor)","level":3,"score":0.298799991607666},{"id":"https://openalex.org/C2776291640","wikidata":"https://www.wikidata.org/wiki/Q2912517","display_name":"Value (mathematics)","level":2,"score":0.2953000068664551},{"id":"https://openalex.org/C2778967200","wikidata":"https://www.wikidata.org/wiki/Q22813086","display_name":"Perceived control","level":2,"score":0.287200003862381},{"id":"https://openalex.org/C2777267654","wikidata":"https://www.wikidata.org/wiki/Q3519023","display_name":"Test (biology)","level":2,"score":0.2750999927520752},{"id":"https://openalex.org/C83864248","wikidata":"https://www.wikidata.org/wiki/Q177323","display_name":"Developing country","level":2,"score":0.27250000834465027},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.25940001010894775},{"id":"https://openalex.org/C68062652","wikidata":"https://www.wikidata.org/wiki/Q214693","display_name":"Social capital","level":2,"score":0.25459998846054077}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.67925/belgi.v1i1.11","doi":"https://doi.org/10.67925/belgi.v1i1.11","is_oa":true,"landing_page_url":"https://doi.org/10.67925/belgi.v1i1.11","pdf_url":"https://belgifoods.com/bjs/index.php/journal/article/download/11/5","source":{"id":"https://openalex.org/S7407064042","display_name":"BELGIFOODS JOURNALS","issn_l":"3123-769X","issn":["3123-769X"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"BELGIFOODS JOURNALS","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.67925/belgi.v1i1.11","doi":"https://doi.org/10.67925/belgi.v1i1.11","is_oa":true,"landing_page_url":"https://doi.org/10.67925/belgi.v1i1.11","pdf_url":"https://belgifoods.com/bjs/index.php/journal/article/download/11/5","source":{"id":"https://openalex.org/S7407064042","display_name":"BELGIFOODS JOURNALS","issn_l":"3123-769X","issn":["3123-769X"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"BELGIFOODS JOURNALS","raw_type":"journal-article"},"sustainable_development_goals":[{"score":0.5473999977111816,"id":"https://metadata.un.org/sdg/16","display_name":"Peace, justice, and strong institutions"}],"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/W7204234673.pdf","grobid_xml":"https://content.openalex.org/works/W7204234673.grobid-xml"},"referenced_works_count":58,"referenced_works":["https://openalex.org/W1490774257","https://openalex.org/W1792124015","https://openalex.org/W1988050849","https://openalex.org/W2018172930","https://openalex.org/W2023062699","https://openalex.org/W2088135512","https://openalex.org/W2100379340","https://openalex.org/W2105846236","https://openalex.org/W2106096361","https://openalex.org/W2117721869","https://openalex.org/W2729551988","https://openalex.org/W2948560807","https://openalex.org/W2967416780","https://openalex.org/W3011027746","https://openalex.org/W3033693443","https://openalex.org/W3118889832","https://openalex.org/W3125976894","https://openalex.org/W3127732266","https://openalex.org/W3127802553","https://openalex.org/W3194155044","https://openalex.org/W3202080272","https://openalex.org/W4211160265","https://openalex.org/W4235678817","https://openalex.org/W4251458279","https://openalex.org/W4283832912","https://openalex.org/W4286586589","https://openalex.org/W4297425260","https://openalex.org/W4312363022","https://openalex.org/W4313435097","https://openalex.org/W4319920912","https://openalex.org/W4321782248","https://openalex.org/W4362550247","https://openalex.org/W4372354848","https://openalex.org/W4376644621","https://openalex.org/W4377201031","https://openalex.org/W4380050449","https://openalex.org/W4385269101","https://openalex.org/W4385566552","https://openalex.org/W4386715042","https://openalex.org/W4386982027","https://openalex.org/W4387332774","https://openalex.org/W4389379484","https://openalex.org/W4389737348","https://openalex.org/W4389763261","https://openalex.org/W4390951664","https://openalex.org/W4391053746","https://openalex.org/W4391174854","https://openalex.org/W4391589803","https://openalex.org/W4392301427","https://openalex.org/W4402952605","https://openalex.org/W4404386905","https://openalex.org/W4408083425","https://openalex.org/W4408210922","https://openalex.org/W4408531642","https://openalex.org/W4411338472","https://openalex.org/W4412892578","https://openalex.org/W4413026461","https://openalex.org/W4413854330"],"related_works":["https://openalex.org/W7150135597","https://openalex.org/W2987275671","https://openalex.org/W4415613023","https://openalex.org/W4410940848","https://openalex.org/W4401134343","https://openalex.org/W7127254209","https://openalex.org/W4400350869","https://openalex.org/W7127210670","https://openalex.org/W7125785201","https://openalex.org/W4391770661"],"abstract_inverted_index":{"Purpose":[0],"\u2012":[1,50,86,135,164,181],"This":[2,136],"study":[3,137],"examines":[4],"factors":[5],"shaping":[6],"urban":[7,54,169],"Indonesians\u2019":[8],"intentions":[9],"and":[10,42,46,61,64,75,95,103,117,132,183,192],"behaviors":[11],"toward":[12],"online":[13,150],"loan":[14],"apps":[15],"amid":[16],"rising":[17],"illegal":[18],"lending,":[19],"with":[20,37,106],"over":[21],"8,200":[22],"complaints":[23],"filed":[24],"to":[25,143,148,168,197],"OJK":[26],"in":[27,152],"early":[28],"2024.":[29],"It":[30],"extends":[31],"UTAUT2":[32,147],"by":[33],"substituting":[34],"facilitating":[35],"conditions":[36],"perceived":[38],"behavioral":[39],"control":[40],"(PBC)":[41],"adding":[43],"social":[44,93,190],"influence":[45,126],"source":[47],"trustworthiness.":[48],"Design/Methodology/Approach":[49],"Data":[51],"from":[52],"267":[53],"respondents":[55],"were":[56],"collected":[57],"via":[58],"purposive,":[59],"convenience,":[60],"snowball":[62],"sampling":[63],"analyzed":[65],"using":[66],"PLS-SEM.":[67],"The":[68],"measurement":[69],"model":[70],"was":[71],"validated":[72],"for":[73],"reliability":[74],"validity;":[76],"Harman\u2019s":[77],"test":[78],"confirmed":[79],"no":[80,120],"severe":[81],"common":[82],"method":[83],"bias.":[84],"Findings":[85,165],"Results":[87],"indicate":[88],"that":[89],"habit,":[90,129],"hedonic":[91,130],"motivation,":[92,131],"influence,":[94],"price":[96],"value":[97],"are":[98,166,177],"significant":[99],"predictors":[100],"of":[101,140,159],"intention":[102],"actual":[104],"use,":[105,188],"habit":[107],"emerging":[108],"as":[109],"the":[110,141],"strongest":[111],"driver.":[112],"Effort":[113],"expectancy,":[114,116],"performance":[115],"PBC":[118],"show":[119],"direct":[121],"effects":[122],"on":[123],"intention.":[124],"Social":[125],"significantly":[127],"shapes":[128],"PBC.":[133],"Originality/Value":[134],"is":[138],"one":[139],"first":[142],"apply":[144],"an":[145],"extended":[146],"informal":[149],"lending":[151,200],"Indonesia,":[153],"offering":[154],"a":[155],"more":[156],"comprehensive":[157],"view":[158],"user":[160],"agency.":[161],"Research":[162],"Limitations/Implications":[163],"limited":[167],"cross-sectional":[170],"data,":[171],"restricting":[172],"generalizability.":[173],"Broader":[174],"longitudinal":[175],"studies":[176],"encouraged.":[178],"Practical":[179],"Implications":[180],"Policymakers":[182],"developers":[184],"should":[185],"foster":[186],"habitual":[187],"leverage":[189],"networks,":[191],"ensure":[193],"transparent,":[194],"affordable":[195],"pricing":[196],"support":[198],"responsible":[199]},"counts_by_year":[],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2026-08-27T00:00:00"}