_.gif)
_.gif)
Fintech Effect, Fintech Implementation and Fintech Peer-To-Peer Lending Credit Risk Management on MSMe Financing Distribution
Abstract
The purpose of this study is to analyze the effect of fintech, fintech implementation, and fintech peer-to-peer lending credit risk management on the distribution of financing to MSMEs. This study uses quantitative methods, and survey methods as data collection techniques. The results of this study are based on hypothesis testing, it can be seen that the influence of fintech, fintech implementation, and fintech p2p lending credit risk management simultaneously has an influence on the distribution of MSME financing, which means there is a positive influence. This means that the existence of fintech among the community, especially MSME actors, can make it easier for MSME actors in terms of transaction speed and ease of use, making fintech believed to be able to help their business development. However, if partially based on the results of the hypothesis test, the influence of fintech does not affect the distribution of UMKM financing, which means that there is a negative effect. The implementation of fintech is based on the results of the hypothesis test that there is a partially positive effect on the distribution of UMKM financing and based on the results of the hypothesis test of fintech credit risk management, there is a partial positive effect on the distribution of MSME financing.
Keywords
Full Text:
PDFReferences
Ayu, P., Wida, MW, Nyoman, N., Yasa, K., Putu, I., & Sukaatmadja, G. (nd). Application of the TAM (Technology Acceptance Model) Model on Instagram User Behavior. Retrieved November 13, 2021, from https://media.neliti.com/media/publications/101948-ID-none.pdf
Aziz Rahardyan - Bisnis.com. (2021). Fintech has the potential to be a source of big data collection for SMEs. https://finansial.bisnis.com/read/20210421/563/1384527/fintech-potential-jadi-source-pengumpul-big-data-umkm
Bara, A., et.al. (2021). The Effectiveness of Advertising Marketing in Print Media during the Covid 19 Pandemic in the Mandailing Natal Region. Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 4 (1): 879-886.
Darmawan, M., Taufiq Al Hidayah, M., Key Fintech, K., Management, R., & Financing, S. (2019). Fintech Risk in Sharia Financing. Business Journal, 05(02), 17–32. http://journals.telkomuniversity.ac.id/business
Development of Micro, Small and Medium Enterprises, Retrieved November 13, 2021 http://etheses.iainkediri.ac.id/1704/3/BAB%20II.pdf
Dicky Rahman. (2015). The Effect of Information Technology Utilization, Application of Regional Financial Accounting System, and Application of Government Accounting Standards on the Quality of Regional Financial Reports. https://media.neliti.com/media/publications/34014-ID-unjuk-pehasilan-technology-information-penerapan-sistem-acuntansi-keuangan-dae.pdf
Dwi Pambudi, Grace, (2019). Fintech Development Among UIN Walisongo Students Retrieved October 15, 2021, from https://journal.unnes.ac.id/sju/index.php/harmony
Financial Literacy Theory, Retrieved November 13, 2021, from http://repository.unpas.ac.id/43677/5/Bab%202%20PDF.pdf
Investor. id News. (2020, June 6). The fate of MSMEs amid the Covid-19 Pandemic News One. https://investor.id/opinion/nasib-umkm-di-tengah-pandemi-covid19
Kekalih, MW, Management Studies, P., Economics, F., & Business, D. (2019). Final Report on MSME Preferences for the Use of Fintech: Hierarchy of Effects Model Approach. http://repository.unika.ac.id/21934/1/Laporan%20Preference%20UMKM%20terhadap%20Using%20Fintech.pdf
Kompas.com News. (2021, April 22). Fintech Is Definition, Types, and Rules of Law. Kompas.Com News. https://money.kompas.com/read/2021/04/22/185857226/fintech-dalam-pengertian-tipe-dan-aturan-lawnya
Leoni Joan, TS (2019). The Effect of Perceived Usefulness and Perceived Ease of Use on Interest in Using GOPay Digital Payment Services, Jurnal Manajemen, (Online). http://repository.radenfatah.ac.id/8146/2/skripsi%20BAB%20II.pdf
LinovHR, Fintech Development in Indonesia and its Benefits October 15, 2021, from https://www.linovhr.com/fintech-di-indonesia/
Merdeka.com News. (2020, December 18). OJK says 70 percent of MSMEs have not been touched by banks. Merdeka.Com. https://www.merdeka.com/uang/ojk-sebut-70-persen-umkm-belum-tersenuh-perbankan.html?page=2
Miswan Ansori, 2019. (nd). The Development and Impact of Financial Technology (Fintech) on the Islamic Finance Industry in Central Java. Retrieved October 17, 2021, from https://core.ac.uk/download/pdf/211976427.pdf
Muhammad Irzan Fikri Dalimunthe, 2019. Implementation of Fintech Against MSMEs in Medan City with SWOT Analysis. Retrieved October 24, 2021, from http://repository.uinsu.ac.id/6253/1/skripsi%20complete.pdf
Muhammad Renaldi, 2020. (nd). MSME Decision Factors In Taking Loans Through Financial Technology (Fintech). Retrieved October 17, 2021, from https://repository.unsri.ac.id/26264/57/RAMA_61201_01011181621023_0025087602_01_front_ref.pdf
Ningrum, P.A., Hukom, A., and Adiwijaya, S. (2020). The Potential of Poverty in the City of Palangka Raya: Study SMIs Affected Pandemic Covid 19. Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 3 (3): 1626-1634.
News Cermati.com. (nd). 5C Bank Principles and How Your Credit Is Accepted - Cermati.com. Retrieved October 19, 2021, from https://www.cermati.com/article/principle-5c-bank-dan-cara-kredit-anda-di, received
Noel Chabannel Tohir's book. (2012). Risk and Risk Management.
Ojk website, Indonesian Banking Statistics Retrieved October 17, 2021, from https://www.ojk.go.id/id/kanal/perbankan/data-dan-statistik/statistik-perbankan-indonesia/Default.aspx
Risna Kartika1, Nana Darna2, Iwan Setiawan3, (2019). Peer To Peer Lending Analysis in Indonesia Retrieved October 17, 2021, from file:///C:/Users/Presentasi/Downloads/902-Article%20Text-2299-1-10-20200327%20(2).pdf
Sihombing, E.H., and Nasib. (2020). The Decision of Choosing Course in the Era of Covid 19 through the Telemarketing Program, Personal Selling and College Image. Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 3 (4): 2843-2850.
Sugiyono, (nd). Retrieved October 16, 2021, from http://repository.unpas.ac.id/32885/4/BAB%20III%20revisi.pdf
Sugiyono 2015: 38. (nd). Retrieved October 16, 2021, from http://repository.unpas.ac.id/30363/6/BAB%20III.pdf
Sugiyono, 2016: 39. (nd). Retrieved October 16, 2021, from http://repository.unpas.ac.id/30399/7/BAB%20III.pdf
Sugiyono, 2016: 81. (nd). Retrieved October 16, 2021, from http://repository.unpas.ac.id/30421/6/BAB%20III.pdf
Tongam Lumban Tobing. (2021, October 12). KompasTV. KompasTV. Snare Loan Before Debt
Wajuba, L., Fisabilillah, P., & Hanifa, N. (2021). Analysis of the Effect of Fintech Lending on the Indonesian Economy. Indonesian Journal of Economics, Entrepreneurship and Innovation, 1(3), 2721–8287. https://doi.org/10.31960/ijoeei.v1i3.866
Winarto, WWA (2020). The Role of Fintech in Micro, Small and Medium Enterprises (MSMEs). Jesya (Journal of Islamic Economics & Economics), 3(1), 61–73. https://doi.org/10.36778/jesya.v3i1.132
Yudhira, Ahmad, (2020). Analysis of Sharia Financial Technology (Fintec) Development During the Covid-19 Pandemic in Indonesia Retrieved October 17, 2021, from file:///C:/Users/Presentasi/Downloads/118-Article%20Text-544-2-10-20210807.pdf
DOI: https://doi.org/10.33258/birci.v5i3.6744
Article Metrics
Abstract view : 50 timesPDF - 19 times
Refbacks
- There are currently no refbacks.
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.