The Role of Frugality in Crowd funding Platform Adoption: Moderating Effects on Perceived Value and Risk | [Pakistan Journal of Life and Social Sciences • 2025]

Author(s):

1. Dony Martinus Sihotang: Universitas Nusa Cendana, Jln. Adisucipto Penfui Undana, Kota Kupang, NTT, Indonesia

2. Jappy P Fanggidae: Department, State Polytechnic of Kupang, Jln. Adisucipto Penfui, Kota Kupang, NTT, Indonesia

Abstract:

This study aims to analyze the impact of perceived value and on individuals' intentions to use crowdfunding platforms, considering the moderating role of frugality. Using a quantitative approach, data was gathered from individuals who have engaged in online donations via crowdfunding platforms in Indonesia. We found that individuals with high frugality levels are more sensitive to both perceived value and risks in deciding whether to use the fundraising crowdfunding platform as compared to those who are less frugals. These results emphasize the importance of frugality as a moderating factor in financial technology adoption, with implications for risk management and value enhancement strategies in crowdfunding platforms.

Page(s): 6065-6077

DOI: 10.57239/PJLSS-2025-23.1.00472

Published: Journal: Pakistan Journal of Life and Social Sciences, Volume: 23, Issue: 1, Year: 2025

Keywords:

Frugality Perceived value Crowd funding platform Financial technology adoption

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