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

Winda Amalia Sari (), Linda Oktafia, Nindi Aulia Firdiana, Isnatul Agil Kinanti and Aisa Fadhilatul Istiqomah
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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

A chapter in Proceedings of the 3rd International Conference on Management and Business (ICOMB 2024), 2025, pp 264-273 from Springer

Abstract: 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.

Keywords: Price Perception; Financial Knowledge; Risk Perception; Consumer Satisfaction; Usage Decision; Online Lending (search for similar items in EconPapers)
Date: 2025
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DOI: 10.2991/978-94-6463-698-7_28

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