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This research was conducted to determine the effect of the factors driving MSEs in making loans to peer-to-peer lending companies. Factors that are considered by MSEs in seeking financial resources through peer-to-peer lending are loan processes, interest rates, loan processing costs, loan amounts, and loan application flexibility. These five factors will then be used as independent variables to see behavioral intentions and the actual use of a peer-to-peer lending platform. This researchdoi:10.25105/me.v26i2.5219 fatcat:ll3fv54pyrc2tgo5xpah76f2dm