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The Influence of Price Perception, Financial Knowledge, and Risk Perception on Decisions to Use Online Loan Services with Online Satisfaction as a Mediating Variable

In: Proceedings of the 3rd International Conference on Management and Business (ICOMB 2024)

Author

Listed:
  • Winda Amalia Sari

    (Universitas Pembangunan Nasional Veteran Jawa Timur)

  • Linda Oktafia

    (Universitas Pembangunan Nasional Veteran Jawa Timur)

  • Nindi Aulia Firdiana

    (Universitas Pembangunan Nasional Veteran Jawa Timur)

  • Isnatul Agil Kinanti

    (Universitas Pembangunan Nasional Veteran Jawa Timur)

  • Aisa Fadhilatul Istiqomah

    (Universitas Pembangunan Nasional Veteran Jawa Timur)

Abstract

His study examines the influence of pricing strategy, financial knowledge, and risk perception on the decision to use online loan services, with online satisfaction as a mediating variable. This study uses a quantitative method with data collection in the form of an online questionnaire via Google Forms. Sampling using purposive sampling technique with 100 respondents from Indonesia who have used online loan services. The data was then analyzed using structural equation modeling techniques with the help of SmartPLS 3 software. The study results indicate that pricing strategy, financial knowledge, and risk perception significantly affect the decision to use online loan services. Online satisfaction mediates the relationship between these variables and the decision to use online loan services.

Suggested Citation

  • Winda Amalia Sari & Linda Oktafia & Nindi Aulia Firdiana & Isnatul Agil Kinanti & Aisa Fadhilatul Istiqomah, 2025. "The Influence of Price Perception, Financial Knowledge, and Risk Perception on Decisions to Use Online Loan Services with Online Satisfaction as a Mediating Variable," Advances in Economics, Business and Management Research, in: Alfiatul Maulida & Md. Mahmudul Alam & ⁠⁠Mark Gabriel Wagan Aguilar (ed.), Proceedings of the 3rd International Conference on Management and Business (ICOMB 2024), pages 264-273, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6463-698-7_28
    DOI: 10.2991/978-94-6463-698-7_28
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