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The Effect of P2P Lending Platform Reputation on Lender’s Investment Decision in Indonesia

This research aims to to examine the direct and indirect effect of Indonesian peer-to-peer (P2P) lending platform reputation on investors’ (lenders) investment decision. This research calculates platform using the platform rating on Google Play Store before testing the direct effect of the platform's reputation on the investor's investment options (represented by the lender's transaction volume) and the indirect effect through information that increases credit (credit enhancing). This research is a quantitative study, using OLS regression models through data collected from 30 P2P lending platforms in Indonesia. This research aims to expand research boundaries of P2P online lending in Indonesia, by examining the direct and indirect effects of platform reputations. The results of this study indicate that the platform's reputation significantly influences the investment choices of investors by controlling the credit enhancement information variable and as a mediating variable, the platform's reputation affects the investment choices of investors through credit enhancement information.