Sari, Andina Paramita, Ardianto, Yusaq Tomo and Prasetya, Dwi Arman (2021) Perceived credibility analysis as a mediator of interest in the application of P2P lending platform: A study on msmes "go online program" At NGALUP.COIn Malang City. International Journal of Scientific and Technology Research, 10 (5). pp. 413-417. ISSN 2277-8616

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Abstract

This study aims to determine the characteristics and influence of the Self Efficacy, Social Influence, Performance Expectancy variables on Behavioral Intention and the mediating effect of Perceived Credibility on MSME GO Online at Ngalup.co program in Malang City by utilizing the Peer to
Peer (P2P) Lending Platform. The method in this research applied explanatory research by explaining the relationship between the variables studied through hypothesis testing. The study was undertaken in Malang City, East Java, involving MSMEs that are members of Ngalup.co Program,
participating in training and mentoring program to educate MSMEs regarding the utilization of digital platforms. Collecting data of respondents using a questionnaire was distributed to 91 respondents. The results revealed that Self Efficacy, Social Influence, Performance Expectancy had a significant effect on Perceived Credibility and Behavioral Intention. Perceived Credibility is however incapable of mediating the effect of Self Efficacy on Behavioral Intention. Meanwhile, on the influence of Social Influence and Performance Expectancy on Behavioral Intention, Perceived Credibility variable serves as a partial mediation.

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