Analysis of Factors Affecting People’s Intentions in Investing Through Sharia Peer-To-Peer Lending

Indonesia has the largest number of Muslim populations in the world. This demographic condition has encouraged the development of sharia peer-to-peer lending (P2PL) services. However, research related to sharia-compliance financial technology is still limited. Therefore, this research is expected to fill the gap. This study aims to analyze factors that influence investors' intention to invest through the sharia P2PL in Indonesia. Using a quantitative approach, this study analyzed 173 respondents who knew or registered on the sharia P2PL platform. The data is processed using SmartPLS software with PLS-SEM method. The result of this study shows that investors intention to invest through sharia P2PL determined by perceived benefits, the religiosity of investors, and trust in the sharia P2PL platform.