PENGARUH COMMUNITY PARTICIPATION, FINANCIAL EMPOWERMENT, DAN SOCIAL CONNECTEDNESS TERHADAP WELL BEING: PERAN MEDIASI SELF TRANSFORMATION EXPECTATIONS DAN RELATIONAL TRANSFORMATION EXPECTATIONS DALAM EKOSISTEM PINJAMAN PEER TO PEER DI INDONESIA

SUMITRO, INUNG (2026) PENGARUH COMMUNITY PARTICIPATION, FINANCIAL EMPOWERMENT, DAN SOCIAL CONNECTEDNESS TERHADAP WELL BEING: PERAN MEDIASI SELF TRANSFORMATION EXPECTATIONS DAN RELATIONAL TRANSFORMATION EXPECTATIONS DALAM EKOSISTEM PINJAMAN PEER TO PEER DI INDONESIA. S3 thesis, Universitas Mercu Buana Jakarta.

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Abstract

The rapid digital transformation in the financial sector has driven the growth of the sharing economy, particularly through Peer-to-peer (P2P) lending Platforms that provide alternative financial access. This study aims to examine how lender participation in P2P Lending can contribute to sustainability-oriented Well being, by integrating the perspectives of Transformative Service Research (TSR) and Social Exchange Theory (SET). A quantitative approach was used through the PLSSEM method. The population of this study were Fintech P2P lending lenders in Java with a research sample of 233 respondents. The results showed that Community Participation and Financial Empowerment increased Social Connectedness, which then had a positive effect on Self-Transformation Expectations and Relational Transformation Expectations. Self-Transformation Expectations mediated the relationship between Social Connectedness and Well being. Relational Transformation Expectations had a significant effect on Well being. The novelty of this research is the development of a new socio-psychological model that explains the Well being of Fintech P2P Lending lenders through the mechanisms of Self-Transformation Expectations and Relational Transformation Expectations, shifting the research focus from risk mitigation to participant Well being. Another novelty lies in the introduction of Community Participation as a collective process that strengthens Social Connectedness and the validation of the model within the context of the Indonesian FP2PL ecosystem, which is characterized by collectivism. Keywords: Sharing economy, Sustainability, Well being, Fintech, P2P Lending, Transformative Service Research, Transformasi digital yang pesat di sektor keuangan telah mendorong pertumbuhan ekonomi berbagi, khususnya melalui Platform Peer to peer (P2P) lending yang menyediakan akses keuangan alternatif. Penelitian ini bertujuan untuk mengkaji bagaimana partisipasi lender dalam P2P Lending dapat berkontribusi terhadap well being yang berorientasi pada keberlanjutan, dengan mengintegrasikan perspektif Transformative Service Research (TSR) dan Social Exchange Theory (SET). Pendekatan kuantitatif digunakan melalui metode PLS-SEM. Populasi penelitian ini adalah para lender Fintech P2P lending di Pulau Jawa dengan sampel penelitian sebanyak 233 responden. Hasil penelitian menunjukkan bahwa Community Participation dan Financial Empowerment meningkatkan Social Connectedness, yang kemudian berpengaruh positif terhadap Self Transformation Expectations dan Relational Transformation Expectations. Self Transformation Expectations memediasi hubungan Social Connectedness dengan Well being. Relational Transformation Expectations berpengaruh signifikan terhadap Well being. Novelty penelitian ini adalah pengembangan model sosio psikologis baru yang menjelaskan well being lender Fintech P2P Lending melalui mekanisme Self Transformation Expectations dan Relational Transformation Expectations, dengan menggeser fokus riset dari mitigasi risiko ke well being partisipan. Kebaruan lainnya terletak pada pengenalan Community Participation sebagai proses kolektif yang memperkuat Social Connectedness serta validasi model dalam konteks ekosistem FP2PL Indonesia yang bercirikan kolektivisme. Kata Kunci: Ekonomi Berbagi, Keberlanjutan, Well being, Fintech, P2P Lending, Transformative Service Research

Item Type:	Thesis (S3)
Call Number CD:	CD/671. 26 009
Call Number:	DM/71/26/009
NIM/NIDN Creators:	67123010001
Uncontrolled Keywords:	Ekonomi Berbagi, Keberlanjutan, Well being, Fintech, P2P Lending, Transformative Service Research
Subjects:	300 Social Science/Ilmu-ilmu Sosial > 320 Political dan Government Science/Ilmu Politik dan Ilmu Pemerintahan > 322 Relation of The State of Organized Groups/Hubungan Negara dengan Kelompok Sosial yang Terorganisir > 322.3 Business and Industry/Bisnis dan Industri 300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi 600 Technology/Teknologi > 650 Management, Public Relations, Business and Auxiliary Service/Manajemen, Hubungan Masyarakat, Bisnis dan Ilmu yang Berkaitan > 657 Accounting/Akuntansi > 657.7 Accounting for Specific Phases of Business Activity/Akuntansi Khusus yang Berkaitan dengan Bidang Bisnis 900 Geography and History/Sejarah, Geografi dan Disiplin Ilmu yang Berkaitan > 970 History of North America/Sejarah Amerika Utara > 973 History of United States of America, USA/Sejarah Amerika Serikat > 973.7 Administration of Abraham Lincoln, 1861-1865/Administrasi Abraham Lincoln, 1861-1865 > 973.71 Social, Political, Economic History/Sosial, Politik, Sejarah ekonomi
Divisions:	Program Doktor > Doktor Manajemen
Depositing User:	khalimah
Date Deposited:	29 Jun 2026 08:29
Last Modified:	29 Jun 2026 08:29
URI:	http://repository.mercubuana.ac.id/id/eprint/102293

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