Farmers’ Behavioral Intention to Adopt Peer-To-Peer Lending Using UTAUT2 Approach

The limited access of smallholder farmers to funding sources is one of the main challenges facing Indonesia agriculture sector. In order to address this constraint some Fintech entities have initiated peer-to-peer (P2P) lending for funding the farming. Different from formal financial institution, fa...

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Autores principales:	Hera Laxmi Devi Septiani, Ujang Sumarwan, Lilik Noor Yuliati, Kirbrandoko
Formato:	article
Lenguaje:	EN ID
Publicado:	Bogor Agricultural University 2020
Materias:	Agriculture (General) S1-972 Business HF5001-6182
Acceso en línea:	https://doaj.org/article/491ac02eecf2491aad8153d974c2307a
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spelling	oai:doaj.org-article:491ac02eecf2491aad8153d974c2307a2021-11-04T04:20:00ZFarmers’ Behavioral Intention to Adopt Peer-To-Peer Lending Using UTAUT2 Approach1693-58532407-252410.17358/jma.17.2.107https://doaj.org/article/491ac02eecf2491aad8153d974c2307a2020-07-01T00:00:00Zhttps://jurnal.ipb.ac.id/index.php/jmagr/article/view/32420https://doaj.org/toc/1693-5853https://doaj.org/toc/2407-2524The limited access of smallholder farmers to funding sources is one of the main challenges facing Indonesia agriculture sector. In order to address this constraint some Fintech entities have initiated peer-to-peer (P2P) lending for funding the farming. Different from formal financial institution, farming funding P2P lending facilitates farmers by not requiring any collateral and applying profit sharing scheme instead of interest, which is in favor of smallholder farmers condition. Irrespective of the benefits, the adoption rate of farming funding P2P lending by farmers is still relatively low. Based on this background, the objective of this study is to investigate the factors influencing the behavioral intention of farmers to adopt farming funding P2P lending. This study uses variables of UTAUT2 and Schwartz Theory of Basic Values. The respondents of this research are 530 farmers in West Java, Indonesia who have and have not participated in farming funding P2P lending. The respondents are selected using purposive sampling method. The population of adopter farmers are the members of farming funding P2P lending providers Crowde and TaniFund. Whereas the non-adopter farmers are selected based on representation of various farming commodities. The data is analyzed using SEM, demonstrating the results that there are five variables showing significant correlation with behavioral intention to adopt P2P lending, which are performance expectancy, hedonic motivation, price value, habit and values. Keywords: consumer behavior, peer-to-peer lending, technology adoption, UTAUT2, valuessHera Laxmi Devi SeptianiUjang SumarwanLilik Noor YuliatiKirbrandokoBogor Agricultural UniversityarticleAgriculture (General)S1-972BusinessHF5001-6182ENIDJurnal Manajemen & Agribisnis, Vol 17, Iss 2, Pp 107-107 (2020)
institution	DOAJ
collection	DOAJ
language	EN ID
topic	Agriculture (General) S1-972 Business HF5001-6182
spellingShingle	Agriculture (General) S1-972 Business HF5001-6182 Hera Laxmi Devi Septiani Ujang Sumarwan Lilik Noor Yuliati Kirbrandoko Farmers’ Behavioral Intention to Adopt Peer-To-Peer Lending Using UTAUT2 Approach
description	The limited access of smallholder farmers to funding sources is one of the main challenges facing Indonesia agriculture sector. In order to address this constraint some Fintech entities have initiated peer-to-peer (P2P) lending for funding the farming. Different from formal financial institution, farming funding P2P lending facilitates farmers by not requiring any collateral and applying profit sharing scheme instead of interest, which is in favor of smallholder farmers condition. Irrespective of the benefits, the adoption rate of farming funding P2P lending by farmers is still relatively low. Based on this background, the objective of this study is to investigate the factors influencing the behavioral intention of farmers to adopt farming funding P2P lending. This study uses variables of UTAUT2 and Schwartz Theory of Basic Values. The respondents of this research are 530 farmers in West Java, Indonesia who have and have not participated in farming funding P2P lending. The respondents are selected using purposive sampling method. The population of adopter farmers are the members of farming funding P2P lending providers Crowde and TaniFund. Whereas the non-adopter farmers are selected based on representation of various farming commodities. The data is analyzed using SEM, demonstrating the results that there are five variables showing significant correlation with behavioral intention to adopt P2P lending, which are performance expectancy, hedonic motivation, price value, habit and values. Keywords: consumer behavior, peer-to-peer lending, technology adoption, UTAUT2, valuess
format	article
author	Hera Laxmi Devi Septiani Ujang Sumarwan Lilik Noor Yuliati Kirbrandoko
author_facet	Hera Laxmi Devi Septiani Ujang Sumarwan Lilik Noor Yuliati Kirbrandoko
author_sort	Hera Laxmi Devi Septiani
title	Farmers’ Behavioral Intention to Adopt Peer-To-Peer Lending Using UTAUT2 Approach
title_short	Farmers’ Behavioral Intention to Adopt Peer-To-Peer Lending Using UTAUT2 Approach
title_full	Farmers’ Behavioral Intention to Adopt Peer-To-Peer Lending Using UTAUT2 Approach
title_fullStr	Farmers’ Behavioral Intention to Adopt Peer-To-Peer Lending Using UTAUT2 Approach
title_full_unstemmed	Farmers’ Behavioral Intention to Adopt Peer-To-Peer Lending Using UTAUT2 Approach
title_sort	farmers’ behavioral intention to adopt peer-to-peer lending using utaut2 approach
publisher	Bogor Agricultural University
publishDate	2020
url	https://doaj.org/article/491ac02eecf2491aad8153d974c2307a
work_keys_str_mv	AT heralaxmideviseptiani farmersbehavioralintentiontoadoptpeertopeerlendingusingutaut2approach AT ujangsumarwan farmersbehavioralintentiontoadoptpeertopeerlendingusingutaut2approach AT liliknooryuliati farmersbehavioralintentiontoadoptpeertopeerlendingusingutaut2approach AT kirbrandoko farmersbehavioralintentiontoadoptpeertopeerlendingusingutaut2approach
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Farmers’ Behavioral Intention to Adopt Peer-To-Peer Lending Using UTAUT2 Approach

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