THE EFFECT OF INTEREST RATE, ADMINISTRATIVE FEES, AND RISK ON ONLINE LENDING DECISONS ON FINTECH LENDING APPLICATIONS

THE EFFECT OF INTEREST RATE, ADMINISTRATIVE FEES, AND RISK ON ONLINE LENDING DECISONS ON FINTECH LENDING APPLICATIONS

Interest Rate, Administration Fee, Risk, OnlineLoan Decison, Fintech Lending, Surabaya, Quantitative Analysis

This studyi amsi to determinei and analyzei the effecti of interest ratei variables,i administrative costs, and risk on online loan-taking decisons.i The approachi usedi is quantitativei methodi with primaryi data obtanedi Through questionnares.i The research population includesi alli borrowers on the fintech lending platformi ini Surabaya City,i whilei the research samplei consistsi of borrowers of fintech lending applicationsi (Akulakui and Kredivo)i ini Surabaya City (272i samples). The samplingi techniquei usedi was purposivei sampling.i This studyi contributesi by integratingi the influencei of interest rates, administrative costs, and risk ini onei modeli to understand the collectivei influencei on fintech lending useri decisons.i Ini addton,i This studyi fillsi the gapi of previousi research by analyzingi the contradictionsi ini the results of previousi studiesi relatedi to the factorsi that influencei credit decisons,i as welli as presentingi a newi perspectivei with a focusi on fintech lending platformsi ini Surabaya City.i The results showedi that the variablesi of interest rates, administrative costs, and risk affect the decison to take online loans

R. Yudi Sidharta1, Nurdina2, Nabila Maulidya Putri3

https://jurnal.stie-aas.ac.id/index.php/IJEBAR

2024

PERI IRAWAN

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ENGLISH

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