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Journal : JIA (Jurnal Ilmiah Akuntansi)

The Micro, Small and Medium Enterprises Financing Based on Financial Technology Ica Rika Candraningrat; Vera Intanie Dewi; Nyoman Abundanti; Ni Wayan Mujiati; Badaruz Zaman
Jurnal Ilmiah Akuntansi Vol 7 No 2: December 2022
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jia.v7i2.52715

Abstract

Financial technology innovations that are currently developing have provided convenience for the user community in the fields of financial systems, asset management to micro and small business (MSME) financing. The long objective of this research is to optimize the Peer-To-Peer Lending financing model based on the analysis of the preferences of potential lenders in determining MSME financing decisions. This type of research is descriptive quantitative research. Sampling used purposive sampling of MSME actors throughout Bali. The data analysis technique used is logistic regression analysis. The results showed that the estimation model can determine the decision to provide financing to Peer-to-Peer Lending. The variable amount of credit and the term of financing proved to be able to predict financing decisions significantly. While the financing objective variable is not proven to be able to predict financing decisions significantly in Peer-to-Peer Lending financial institutions.
Co-Authors A A Ngurah Bagus Danendra A. A Sagung Kartika Dewi A.A Ngr Angga Dwipalguna A.A.A. Sriati A.A.S.K. Dewi Ajie Mutiara Ramadhan Anak Agung Ayu Sriathi Anak Agung Istri Cahyani Putri Anak Agung Ngurah Anom Kumbara Anak Agung Sagung Kartika Dewi Asri Ardendy Sitompul Ayu Desi Indrawati Badaruz Zaman Bertha Aprillyanti Jesiecca Worang D. I Gst Agung Rai Cahyadi Putra Denick Ariawangsa Desak Ketut Sintaasih Dewa Made Bayu Adi Putra Dimika Sari Dewi G.M. Sudiartha Gede Sunar Yoga Dharma Budi I Gde Raka Ariana I Gede Krisna Pratama I Gede Nyoman Carlos Wiswanatha Mada I Gusti Agung Ketut Sri Ardani I Gusti Ayu Trisna Dharmapatni I Ketut Merta Darmawan I Ketut Mustanda I Made Manu Parisuda I Nyoman Yoeka Diputra Y. I Putu Galing Aryansuka Mautama Putra I Putu Purnama Putra I Wayan Rera Govinda I.B.K. Surya I.G.N Gede Surya Laksana I.W.M. Utama Ica Rika Candraningrat Ida Ayu Gayatri Putri Kaleran Ida Ayu Gita Dwi Sasmita Kadek Ary Setiawan Kadek Arya Reta Aditeresna Kadek Intan Permata Kusuma Kadek Juli Arthawan Kadek Manik Oko Mahendra Kadek Mia Suciartini Komang Dewi Puspita Made Gerry Dwi Handara Ni Luh Helga Daniati Ni Made Diah Malini Cahyani Ni Made Dwi Sumantri Ni Nyoman Ayu Manik Ankgaryta Pramana Ni Nyoman Kerti Yasa Ni Nyoman Yani Sri Lestari Ni Putu Cempaka Widyawati Ni Putu Dewi Listiniasih Ni Putu Melda Cahaya Santhi Ni Wayan Anik Sugianti Nyoman Abundanti Nyoman Aditya Prabawa Sudja Pande Wayan Agus Sugiartha Putu Erika Meita Rina Dewi Putu Yuwanda Artana Rini Candra Adelia Sita Auliya Permata Vera Intanie Dewi Virgi Fahrezi Wibisono W.M. Utama