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Analysis of Factors Affecting The Sustainability of Using Online Loan Applications Using The Information System Success Model and Expectation Confirmation Model

Journal of Advances in Information Systems and Technology · Vol. 6 No. 2 (2025) · hlm. 287–307

DOI
10.15294/jaist.v6i2.12035
ISSN
2715-999X, 2714-9714
Terbit
2025-01-02
Penerbit
Universitas Negeri Semarang
Bahasa
eng

Abstrak

The rapid digitization of financial services has spurred the growth of cashless lending systems, with online lending emerging as a prominent method for individuals and businesses to access funds. This trend is driven by the ease of loan application through online platforms and the challenges associated with traditional bank loans. However, online loans often come with higher interest rates compared to conventional banks, raising concerns about users' long-term engagement with these platforms. This study investigates the factors influencing the continuance intention of users in utilizing online loan applications. Employing a quantitative approach, the research integrates the Information System Success Model (ISSM) and the Expectation Confirmation Model (ECM) to examine 13 variables across 24 hypotheses. Data was collected via Google Forms, distributed through social media, targeting individuals aged 17 to 55 in Indonesia who had previously applied for online loans. After rigorous data screening, 227 valid responses were analyzed using SmartPLS. The findings revealed that out of the 13 variables, use, satisfaction, and debt attitudes significantly influence continuance intention, while other factors like perceived usefulness and impulsive buying were less impactful. Future studies should explore a broader respondent base and incorporate variables such as interest rates and urgency to provide a more comprehensive understanding of users' continued use of online loan applications.

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  • State University of Semarang
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Riza ArifudinState University of Semarang5
Alamsyah AlamsyahState University of Semarang3
Kholiq BudimanAfiliasi tidak diketahui2
Untsa Zaaidatunni'mahState University of Semarang2
Nuril AsyrofiyyahState University of Semarang2
Dany PradanaState University of Semarang2
Dwijanto DwijantoState University of Semarang2
Amin SuyitnoState University of Semarang2
Amin SuyitnoState University of Semarang2
Budi PrasetiyoState University of Semarang1
Much Aziz MuslimState University of Semarang1
Jumanto JumantoState University of Semarang1
Rofik RofikState University of Semarang1
Anggyi Trisnawan PutraAfiliasi tidak diketahui1
zaenal abidinAfiliasi tidak diketahui1
Yahya Nur IfrizaState University of Semarang1
Tiffany Ovilia Dwi LestariState University of Semarang1
Chairun NisakState University of Semarang1
Defa RiandinaState University of Semarang1
Isa AkhlisState University of Semarang1
Taufik Fajar MubaroqAfiliasi tidak diketahui1
Rahmalia NuridaAfiliasi tidak diketahui1
Apriani SolikhatunAfiliasi tidak diketahui1
Safit FirmansyahAfiliasi tidak diketahui1
Anita Ayu SeptiantinaAfiliasi tidak diketahui1
Arief Broto SusiloState University of Semarang1
Tomi Bagus NugrohoState University of Semarang1
Wahyu SyafrizalState University of Semarang1
Oktaria Gina KhoirunnisaState University of Semarang1
Yusuf AffandiState University of Semarang1
Erika Noor DiantiState University of Semarang1
Akbar Lintang AjiState University of Semarang1
Fabian Dominggus Eka BoroState University of Semarang1
Muhammad AfifudinState University of Semarang1
Ahmad Ramadhan AuniState University of Semarang1
Muhammad KharisAfiliasi tidak diketahui1
Fajar Eska PradhanaAfiliasi tidak diketahui1
Ratnaningtyas Widyani PurnamasariAfiliasi tidak diketahui1

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/jaist/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Analysis of Factors Affecting The Sustainability of Using Online Loan Applications Using The Information System Success Model and Expectation Confirmation Model</dc:title>
	<dc:creator xml:lang="en">Hutahaean, Kevin Tito</dc:creator>
	<dc:creator xml:lang="en">Endang Sugiharti</dc:creator>
	<dc:subject xml:lang="en">online loan</dc:subject>
	<dc:subject xml:lang="en">Information System Success Model</dc:subject>
	<dc:subject xml:lang="en">Expectation Confirmation Model (ECM)</dc:subject>
	<dc:subject xml:lang="en">Debt Attitudes</dc:subject>
	<dc:subject xml:lang="en">Continuance Intention</dc:subject>
	<dc:description xml:lang="en">The rapid digitization of financial services has spurred the growth of cashless lending systems, with online lending emerging as a prominent method for individuals and businesses to access funds. This trend is driven by the ease of loan application through online platforms and the challenges associated with traditional bank loans. However, online loans often come with higher interest rates compared to conventional banks, raising concerns about users' long-term engagement with these platforms. This study investigates the factors influencing the continuance intention of users in utilizing online loan applications. Employing a quantitative approach, the research integrates the Information System Success Model (ISSM) and the Expectation Confirmation Model (ECM) to examine 13 variables across 24 hypotheses. Data was collected via Google Forms, distributed through social media, targeting individuals aged 17 to 55 in Indonesia who had previously applied for online loans. After rigorous data screening, 227 valid responses were analyzed using SmartPLS. The findings revealed that out of the 13 variables, use, satisfaction, and debt attitudes significantly influence continuance intention, while other factors like perceived usefulness and impulsive buying were less impactful. Future studies should explore a broader respondent base and incorporate variables such as interest rates and urgency to provide a more comprehensive understanding of users' continued use of online loan applications. </dc:description>
	<dc:publisher xml:lang="en">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2025-01-02</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/journals/jaist/article/view/12035</dc:identifier>
	<dc:identifier>10.15294/jaist.v6i2.12035</dc:identifier>
	<dc:source xml:lang="en">Journal of Advances in Information Systems and Technology; Vol. 6 No. 2 (2024): October; 287-307</dc:source>
	<dc:source>2715-999X</dc:source>
	<dc:source>2714-9714</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/jaist/article/view/12035/2286</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Journal of Advances in Information Systems and Technology</dc:rights>
</oai_dc:dc>