Peer to Peer Lending Syariah adalah alternatif solusi pembiayaan baru di Indonesia yang menerapkan prinsip syariah dan dilakukan secara digital melalui internet, yang melibatkan pemberi pinjaman/investor dan peminjam/debitur. Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi niat berinvestasi pada Peer to Peer Lending Syariah di Indonesia.Mengingat Peer to Peer Lending Syariah termasuk baru di Indonesia, framework model yang digunakan dalam penelitian ini adalah modified TAM, dimana aspek security, responsiveness, persepsi risiko, persepsi kepercayaan dan social influence ditambahkan pada komponen utama model. Data primer dikumpulkan melalui survey online yang melibatkan 283 pengguna internet yang mengetahui Peer to Peer Lending Syariah dan menganalisa hasilnya dengan menggunakan Structural Equation Modeling (SEM).Faktor yang diidentifikasi memiliki pengaruh signifikan dalam minat investasi pada Peer to Peer Lending Syariah adalah social influence, persepsi kepercayaan, persepsi manfaat, security dan responsiveness. Berdasarkan temuan tersebut, Peer to Peer Lending Syariah harus meningkatkan aspek teknologinya (security, responsiveness), meningkatkan aspek social influence, dan mengedukasi masyarakat bahwa Peer to Peer Lending Syariah dapat dipercaya dan bermanfaat bagi penggunanya.

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Sharia Peer to Peer Lending is a new alternative financing solution in Indonesia that applies sharia principles and is conducted digitally through the internet, which involves lenders/investors and borrowers/debtors. This study aims to determine the factors that influence the intention to invest in Sharia Peer to Peer Lending in Indonesia. Due to the relative newness of Sharia Peer to Peer Lending in Indonesia, the framework utilized is the Technology Acceptance Model (TAM), where security, responsiveness, risk and trust perception is added to the model’s main components (i.e., perceived usefulness and perceived ease of use). Primary data was collected through an online survey involving 283 internet users who know Sharia Peer to Peer Lending and analyzed by using structural equation modeling as the empirical approach.

The findings indicate that social influence, trust perception, usefulness perceptions, security and responsiveness affect the intention to invest in Sharia Peer to Peer Lending. Based on that findings, Sharia Peer to Peer Lending should improve its technology (security, responsiveness), increase the social influence aspect, and ensure the society that Sharia Peer to Peer Lending can be trusted and usefull for its user.