Nguyen Lan Thi Phuong, Muthaiyah Saravanan, Sy Malick Ousmane, Kalabeke Wisdom
Faculty of Management, Multimedia University, Cybejaya, Selangor, 63100, Malaysia.
School of Economics, Finance and Marketing, Royla Melbourne Institute of Technology, Melbourne, Victoria, 3000, Australia.
F1000Res. 2021 Oct 28;10:1096. doi: 10.12688/f1000research.73401.3. eCollection 2021.
: Since 2016, the Securities Commission (SC) in Malaysia has given licenses to only eleven P2P lending platforms. Such lending platforms are expected to disrupt the lending services of traditional lenders in the coming years. However, being still in their infant stages, it is essential to know the extent to which such platforms are made known to potential investors out there. This study aims to examine the awareness level of the eleven P2P lending platforms among Malaysian adults. The study also explores if past investment experience and financial knowledge would influence such awareness from Malaysian adults. A sample of 335 Malaysian individuals was used for this study. An online questionnaire was designed with three main parts: demographic, financial literacy, and P2P lending awareness. Using IBM SPSS Statistics 26, frequency, descriptive, normality, Pearson coefficients and multiple regression analyses were carried out. : Although seven out of ten respondents have good knowledge in three areas of finance: compounding rate, inflation and diversification, only 14.33% had a good and excellent awareness level of P2P lending. Thus, one would expect lesser awareness about P2P lending among Malaysian adults whose financial literacy is poor or zero. Test results from multiple regression analysis suggest that past lending experiences positively affect the awareness of P2P lending in Malaysia, but not the financial literacy. : The awareness about P2P lending among Malaysian adults is too low, despite their high level of education and financial literacy. No investing experience and not knowing any existing P2P lending in the country may be the reason for this low awareness. Therefore, for P2P lending to thrive in Malaysia, the eleven P2P lending platforms need to be promoted aggressively in various social media outlets.
自2016年以来，马来西亚证券委员会（SC）仅向11个P2P借贷平台发放了牌照。预计此类借贷平台在未来几年将扰乱传统借贷机构的借贷服务。然而，由于它们仍处于起步阶段，了解这些平台在潜在投资者中的知晓程度至关重要。本研究旨在调查马来西亚成年人对这11个P2P借贷平台的认知水平。该研究还探讨了过去的投资经验和金融知识是否会影响马来西亚成年人的这种认知。本研究使用了335名马来西亚人的样本。设计了一份在线问卷，分为三个主要部分：人口统计学、金融素养和P2P借贷认知。使用IBM SPSS Statistics 26进行了频率分析、描述性分析、正态性分析、皮尔逊系数分析和多元回归分析。
尽管十分之七的受访者在复利、通货膨胀和多元化这三个金融领域有良好的知识水平，但只有14.33%的人对P2P借贷有良好和优秀的认知水平。因此，可以预期金融素养较差或为零的马来西亚成年人对P2P借贷的认知较少。多元回归分析的测试结果表明，过去的借贷经验对马来西亚P2P借贷的认知有积极影响，但金融素养则不然。
尽管马来西亚成年人的教育水平和金融素养较高，但他们对P2P借贷的认知仍然很低。没有投资经验以及不了解该国现有的任何P2P借贷可能是这种低认知的原因。因此，为了P2P借贷在马来西亚蓬勃发展，这11个P2P借贷平台需要在各种社交媒体渠道上大力推广。
