Pengaruh Suku Bunga, Ekspektasi Usaha, dan Ekspektasi Kinerja terhadap Minat Menggunakan Pinjaman Online

Abstract

This study aims to determine the influence of Interest Rate, Effort Expectancy, and Performance Expectancy on Interest In Using Online Loans. The type of research used is descriptive quantitative. The population used in this study were North Sumatra University students who have used online loans. The research method used is quantitaive methods and data collection techniques using survey methods with questionnaires. The sampling technique in this study used non-probability sampling with purpossive sampling using 50 respondents as a sample from the study. This test was carried out using the SmartPLS version 4 program. The results showed that the Interest Rate had negative and significant effect on the interest in using online loans, Effort Expectancy and Performance Expectancy variables each had a positive and significant effect on the interest in using online loans