Persepsi Generasi Milenial Terhadap Platform Peer-To-Peer Lending Berdasarkan Karakteristik Demografi

Peer-To-Peer (P2P) lending merupakan salah satu bentuk inovasi layanan keuangan yang sedang berkembang di Indonesia. Selain memberikan solusi kepada peminjam yang memiliki keterbatasan akses keuangan formal, P2P lending juga berperan sebagai alternatif investasi dalam bentuk pembiayaan. Saat ini, generasi milenial merupakan komunitas usia produktif yang diharapkan sudah mandiri secara finansial. Penelitian ini bertujuan menganalisis persepsi milenial mengenai P2P lending dengan mempertimbangkan hubungan serta perbedaan persepsi berdasarkan karakteristik demografi. Teknik pengambilan sampel dilakukan dengan cara non-probability sampling dan didapatkan 254 responden. Terdapat delapan indikator berdasarkan perceived reputation, perceived structural assurance, perceived information quality, dan perceived risk pada platform P2P lending yang menjadi perhatian untuk ditingkatkan. Selain itu, jenis kelamin, usia, pekerjaan, penghasilan memiliki hubungan dengan tujuh indikator, sedangkan pendidikan tidak memiliki hubungan. Sementara itu, jenis kelamin, pendidikan, dan penghasilan responden memiliki perbedaan persepsi yang signifikan terhadap tiga indikator. Implikasi manajerial yang dapat dilakukan oleh penyelenggara diantaranya meningkatkan layanan, menyediakan laporan berkala tentang penggunaan dana yang sudah diinvestasikan, menginformasikan secara jelas bagaimana informasi privasi calon investor akan digunakan, melakukan kerja sama dengan bank kustodian untuk meningkatkan perlindungan dana investasi, dan mempertimbangkan karakteristik demografi generasi milenial sebagai acuan untuk meningkatkan persepsi menggunakan platform P2P lending.Peer-To-Peer (P2P) lending merupakan salah satu bentuk inovasi layanan keuangan yang sedang berkembang di Indonesia. Selain memberikan solusi kepada peminjam yang memiliki keterbatasan akses keuangan formal, P2P lending juga berperan sebagai alternatif investasi dalam bentuk pembiayaan. Saat ini, generasi milenial merupakan komunitas usia produktif yang diharapkan sudah mandiri secara finansial. Penelitian ini bertujuan menganalisis persepsi milenial mengenai P2P lending dengan mempertimbangkan hubungan serta perbedaan persepsi berdasarkan karakteristik demografi. Teknik pengambilan sampel dilakukan dengan cara non-probability sampling dan didapatkan 254 responden. Terdapat delapan indikator berdasarkan perceived reputation, perceived structural assurance, perceived information quality, dan perceived risk pada platform P2P lending yang menjadi perhatian untuk ditingkatkan. Selain itu, jenis kelamin, usia, pekerjaan, penghasilan memiliki hubungan dengan tujuh indikator, sedangkan pendidikan tidak memiliki hubungan. Sementara itu, jenis kelamin, pendidikan, dan penghasilan responden memiliki perbedaan persepsi yang signifikan terhadap tiga indikator. Implikasi manajerial yang dapat dilakukan oleh penyelenggara diantaranya meningkatkan layanan, menyediakan laporan berkala tentang penggunaan dana yang sudah diinvestasikan, menginformasikan secara jelas bagaimana informasi privasi calon investor akan digunakan, melakukan kerja sama dengan bank kustodian untuk meningkatkan perlindungan dana investasi, dan mempertimbangkan karakteristik demografi generasi milenial sebagai acuan untuk meningkatkan persepsi menggunakan platform P2P lending

Analisis niat berinvestasi generasi milenial menggunakan platform P2P Lending sebagai alternatif investasi

Peer-To-Peer (P2P) lending is a form of digital financial service innovation that is currently developing in Indonesia. The presence of P2P lending provide solutions to certain borrowers who have limited access to formal finance. Besides, P2P lending also acts as an alternative media for investment in the form of loans. Activities on the P2P lending platform depend on loan requests by borrowers and funding activities by investors. Currently, there is still a significant gap between the number of investors and the number of borrowers. On the other hand, the growth volume of loan disbursement at the beginning of 2020 decreased compared to the beginning of 2019. This study aims to analyze the factors that influence investment intentions using the P2P lending platform through trust and perceived risk. Predictive factor variables that can influence trust are relative advantage, perceived reputation, perceived structural assurance, and perceived information quality. Meanwhile, the predictive factors that can influence perceived risk are perceived reputation, perceived structural assurance, perceived information quality, and financial literacy. This research was conducted on 254 respondents who were selected by nonprobability sampling with the criteria that they had never used a P2P lending platform and were limited to the millennial generation born in 1980 - 2000. Data was collected by filling out a questionnaire distributed online. The statistical analysis used was SEM (Structural Equation Model) using LISREL. The results show that trust and perceived risk have a direct and significant effect on investment intention. Relative advantage, perceived reputation, perceived information quality have a significant effect on trust, while perceived structural assurance has no significant effect. Furthermore, perceived reputation, perceived structural assurance, and trust have a significant effect on perceived risk, while financial literacy and perceived information quality have no significant effect. Several forms of managerial implications that can be carried out by companies are implementing strategies related to Segmentation, Targetting, Positioning (STP) and the latest marketing mix as well as improving excellent service from customer service or call centers to existing investors in order to spread the excellence of platform services to potential investors, providing periodic reports regarding the use of capital that has been invested by investors, clearly informs how the potential investor's privacy information will be used for customer due-diligence, collaborates with custodian banks to improve the security and protection of investment funds, and improves the accuracy of creditworthy borrower verification (for example: UMKM) so that credit scoring is fair and profitable

DIVERSITY AND ABUNDANCE OF GASTROPODS IN THE INTERTIDAL ZONE OF WATUKARUNG, INDONESIA

We present the density, diversity, and environmental conditions of gastropods in the Watukarung intertidal zone ? a coastal region of Pacitan Regency, Indonesia, adjoining the Indian Ocean. Gastropods play an important role in coastal ecosystems. In Watukarung, the local people collect marine organisms, including gastropods during low tide to supplement their income. Baseline information on the presence and abundance of gastropods in Watukarung are not available. Our survey collected 173 individuals of gastropod in the intertidal area of Watukarung that represent 8 families, 9 genera, and 13 species. Gastropod diversity index (H') in the three beaches (Ngalorombo, Pasir Putih, and Kasap) show varying values from the categories of low and medium species diversity. Although the data suggest that there should be a dominant species in the ecosystem (E < 0.5), there are no strong dominance species in the community (C < 0.5). Watukarung coastal waters are still in good condition for marine organisms with salinity > 31‰, DO > 8.1 mg/L, and pH > 8. The substrate is dominated by coarse sand. The total organic matter is relatively low (< 2.6%) due to characteristics of the substrate that is dominated by a rocky and sandy substrate. Based on the results, we suggest that Kasap beach can be established as a core zone considering its high diversity and density of gastropods as well as being distant from any residential area, whereas Ngalorombo and Pasir Putih beaches are suitable as usage zones for surfing tourism. We highlight the need for the local community, government, and private sector need to work together to encourage sustainably tourism while reducing environmental impacts in Watukarung