期刊名称：Russian Journal of Agricultural and Socio-Economic Sciences
印刷版ISSN：2226-1184
电子版ISSN：2226-1184
出版年度：2020
卷号：103
期号：7
页码：72-81
DOI：10.18551/rjoas.2020-07.10
语种：English
出版社：Russian Journal of Agricultural and Socio-Economic Sciences
摘要：Research on the adoption of peer-to-peer (P2P) lending by farmers in agribusiness, such as farming, is still limited. P2P lending is used to address the main challenges of Indonesian smallholder farmers' in accessing financial sources. However, despite its numerous benefits, the adoption rate of this strategy by farmers is still relatively low; therefore, it is essential to encourage its adequate utilization. This research examines the factors that encourage farmers' behavioral intention to adopt the P2P lending strategy in farming funding. The Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) were the variables used. Data were obtained from 371 farmers in West Java, Indonesia, yet to adopt the use of this lending strategy and analyzed using the SEM. The results showed that hedonic motivation, price value, and habit are significantly correlated with behavioral intentions. Therefore, P2P lending providers need to educate farmers on the benefits of adopting this strategy in terms of simplicity, easiness, etc.
