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Data penelitian bersifat kuantitatif dengan kuesioner dan teknik non-probability sampling melalui convenience sampling. Sampel berjumlah 95 responden menggunakan acuan Hair et al. Analisis dilakukan dengan regresi linier berganda. Hasil menunjukkan ketiga variabel berpengaruh secara parsial dan bersama-sama, menjelaskan 63,7% variasi minat mahasiswa, sedangkan 36,3% dipengaruhi faktor lain di luar model.",{"@graph":63,"@context":120},[64,81,103],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,72,75,78],{"item":68,"name":69,"@type":70,"position":71},"https://docshare.wps.com","Home","ListItem",1,{"item":73,"name":9,"@type":70,"position":74},"https://docshare.wps.com/id/document/",2,{"item":76,"name":31,"@type":70,"position":77},"https://docshare.wps.com/id/document/penelitian-laporan/",3,{"item":79,"name":59,"@type":70,"position":80},"https://docshare.wps.com/id/document/the-influence-of-trust-differences-in-loan-interest-and-credit-process-ease-on-students-interest-in-using-peer-to-peer-lending-fintech-services/232056/",4,{"url":79,"name":59,"@type":82,"image":83,"author":88,"headline":59,"publisher":91,"fileFormat":94,"inLanguage":57,"description":61,"dateModified":95,"datePublished":96,"encodingFormat":94,"isAccessibleForFree":97,"interactionStatistic":98},"DigitalDocument",{"url":84,"@type":85,"width":86,"height":87},"https://docshare.wps.com/thumbnails/the-influence-of-trust-differences-in-loan-interest-and-credit-process-ease-on-students-interest-in-using-peer-to-peer-lending-fintech-services/232056.png","ImageObject",300,407,{"name":89,"@type":90},"Rhys","Person",{"url":68,"name":92,"@type":93},"DocShare","Organization","application/pdf","2026-09-29","2026-09-10",true,{"@type":99,"interactionType":100,"userInteractionCount":102},"InteractionCounter",{"@type":101},"ViewAction",6,{"@type":104,"mainEntity":105},"FAQPage",[106,112,116],{"name":107,"@type":108,"acceptedAnswer":109},"Apa tujuan penelitian ini?","Question",{"text":110,"@type":111},"Penelitian ini bertujuan mengetahui pengaruh kepercayaan, selisih bunga kredit dengan bank konvensional, dan kemudahan proses kredit terhadap minat mahasiswa menggunakan layanan fintech berbasis pinjaman online.","Answer",{"name":113,"@type":108,"acceptedAnswer":114},"Bagaimana metode pengumpulan dan analisis data?",{"text":115,"@type":111},"Data dikumpulkan secara kuantitatif menggunakan kuesioner dengan convenience sampling (non-probability sampling). Analisis dilakukan menggunakan regresi linier berganda.",{"name":117,"@type":108,"acceptedAnswer":118},"Berapa besar pengaruh variabel dalam model penelitian?",{"text":119,"@type":111},"Kepercayaan, selisih bunga kredit dengan bank konvensional, dan kemudahan proses kredit memengaruhi minat mahasiswa sebesar 63,7%, sedangkan 36,3% dipengaruhi faktor lain di luar model penelitian.","https://schema.org",{"og:url":79,"og:type":122,"og:title":59,"og:site_name":92,"og:description":61},"article",{"robots":124,"canonical":79},"index,follow",{"doc_id":126,"site_id":56},232056,1789068539,{"code":4,"msg":5,"data":129},{"doc_id":126,"user_id":130,"nickname":89,"user_avatar":131,"doc_module":4,"category_id":30,"category_name":31,"doc_title":59,"doc_description":61,"doc_content":132,"file_id":133,"file_url":134,"file_type":135,"file_size":136,"view_count":102,"is_deleted":4,"is_public":71,"is_downloadable":71,"audit_status":71,"page_count":137,"language":138,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":139,"faqs":140,"seo_title":141,"seo_description":61,"update_tm":127,"read_time":142},687207024643,"https://ap-avatar.wpscdn.com/davatar_3d24733baf745e90a7e4bdd5f77d97b2","Pengaruh Kepercayaan, Selisih Bunga Kredit Dengan Bank Konvensional, Dan Kemudahan Proses Kredit Terhadap Minat Mahasiswa Dalam Menggunakan Layanan Fintech Berbasis Pinjaman Online: Studi Kasus Di PTN dan PTS Provinsi Bali  \nI Dewa Ayu Rizky Pradnyani Marranitha1, Ida Bagus Raka Suardana2  \n1,2Fakultas Ekonomi dan Bisnis, Universitas Pendidikan Nasional  \nABSTRACT  \nThe purpose of this research is to determine the influence of trust, the difference between lending rates with conventional banks, and the ease of the credit process on students' interest in using fintech services based on peer to peer lending. The type of data used in this study is quantitative by using a questionnaire as a research instrument. The sampling technique used is non-probability sampling, namely convenience sampling. In this study used 95 respondents using the formula Hair et al as the determination of the sample. Data analysis techniques used, namely through multiple linear regression analysis. The results of this study stated that trust, the difference between lending rates with conventional banks, and the ease of the credit process partially affect the interest of students in using online loan-based fintech services to state and private tertiary institutions in Bali Province. Trust, loan interest rates with conventional banks, and ease of the credit process affect the interest of students in using fintech services based on peer to peer lending by 63.7% while the remaining 36.3% is influenced by other causes outside this research model.  \nKeywords : Online Loans, Trust, Difference in Credit Interest, Ease of Credit Process, Student Interest  \nABSTRAK  \nTujuan dari penelitian ini adalah untuk mengetahui pengaruh kepercayaan, selisih bunga kredit dengan bank konvensional, dan kemudahan proses kredit terhadap minat mahasiswa dalam menggunakan layanan fintech berbasis pinjaman online. Jenis data yang digunakan dalam penelitian ini kuantitatif dengan menggunakan kuesioner sebagai instrumen penelitian. Teknik pengambilan sampel yang digunakan adalah non-probability sampling, yaitu convenience sampling. Dalam penelitian ini menggunakan 95 responden dengan menggunakan rumus Hair et al sebagai penentuansampel. Teknik analisis data yang digunakan, yaitu melalui analisis regresi linier berganda. Hasil penelitian ini menyatakan bahwa kepercayaan, selisih bunga kredit dengan bank konvensional, dan kemudahan proses kredit berpengaruh secara parsial terhadap minat mahasiswa dalam menggunakan layanan fintech berbasis pinjaman online pada mahasiswa perguruan tinggi negeri dan perguruan tinggi swasta di Provinsi Bali. Kepercayaan, selisish bunga kredit dengan bank konvensional, dan kemudahan proses kredit berpengaruh terhadap minat mahasiswa dalam menggunakan layanan fintech berbasis pinjaman online sebesar 63,7% sedangkan sisanya sebesar 36.3% dipengaruhioleh sebab-sebab lain diluar model penelitian ini.  \nKata Kunci: Pinjaman Online, Kepercayaan, Selisih Bunga Kredit, Kemudahan Proses Kredit, Minat Mahasiswa  \nInfo Artikel  \nDiterima Redaksi Selesai Revisi Diterbitkan Online  \n: 03-12-2020 This is an open access article under the CC BY-SA license.  \n: 12-12-2020   \n: 31-12-2020  \nPenulis Korespondensi:  \nI Dewa Ayu Rizky Pradnyani Marranitha Fakultas Ekonomi dan Bisnis, Universitas Pendidikan Nasional,  \nJl. Bedugul No.39, Sidakarya, Kec. Denpasar Sel., Kota Denpasar, Bali 80224,  \nEmail: [ayu.pradnyani@gmail.com](ayu.pradnyani@gmail.com)  \n1. PENDAHULUAN  \nEra informasi atau yang juga dikenal dengan era digital menjadikan informasi sebagai suatu sumber daya yang sangat penting. Dalam era disrupsi kini tidak dipungkiri lagi akan berkembang pesatnya ilmu pengetahuan dan juga dibarengi dengan teknologi informasi dan komunikasi. Hal tersebut dibarengi jugadengan perkembangan teknologi finansial berupa layanan pinjaman online.  \nDi Indonesia, Financial Technology telah diatur oleh Bank Indonesia dalam Peraturan Bank Indonesia Nomor 19/12/PBI/2017 tentang Penyelenggaraan","cbCaip9gZmadTwjq","https://ap.wps.com/l/cbCaip9gZmadTwjq","pdf",170942,7,"Indonesian","# Pendahuluan\n## Era digital dan perkembangan fintech pinjaman online\n## Tujuan penelitian dan landasan teori\n# Metode Penelitian\n## Desain penelitian\n## Populasi dan sampel","[{\"question\":\"Apa tujuan penelitian ini?\",\"answer\":\"Penelitian ini bertujuan mengetahui pengaruh kepercayaan, selisih bunga kredit dengan bank konvensional, dan kemudahan proses kredit terhadap minat mahasiswa menggunakan layanan fintech berbasis pinjaman online.\"},{\"question\":\"Bagaimana metode pengumpulan dan analisis data?\",\"answer\":\"Data dikumpulkan secara kuantitatif menggunakan kuesioner dengan convenience sampling (non-probability sampling). Analisis dilakukan menggunakan regresi linier berganda.\"},{\"question\":\"Berapa besar pengaruh variabel dalam model penelitian?\",\"answer\":\"Kepercayaan, selisih bunga kredit dengan bank konvensional, dan kemudahan proses kredit memengaruhi minat mahasiswa sebesar 63,7%, sedangkan 36,3% dipengaruhi faktor lain di luar model penelitian.\"}]","Pengaruh Kepercayaan - Selisih Bunga Kredit dan Kemudahan Proses Kredit terhadap Minat Mahasiswa Menggunakan Layanan Fintech Berbasis Pinjaman Online | PDF",11]