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All Journal Excellent Proceeding Seminar LPPM UMP Tahun 2014 Riset Akuntansi dan Keuangan Indonesia Jurnal Analisis Bisnis Ekonomi Performance : Jurnal Bisnis dan Akuntansi Wasana Nyata WASANA NYATA
nugroho wisnu murti
Prodi Akuntansi, STIE Adi Unggul Bhirawa, Surakarta
Humanities Economics, Econometrics & Finance Education Social Sciences Veterinary Other

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Journal : Riset Akuntansi dan Keuangan Indonesia

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FINTECH BASED PEER TO PEER LENDING: AN OPPORTUNITY OR A THREAT? Setyaningsih, Titik; Murti, Nugroho Wisnu; Nugrahaningsih, Putri
Riset Akuntansi dan Keuangan Indonesia Vol 4, No 3 (2019): Riset Akuntansi dan Keuangan Indonesia
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/reaksi.v4i3.8577

Abstract

One dimension of financial inclusion is people's access to loan funds. Fintech facilitates providers of funds (lenders) with those who need funds (borrowers) through the digital market. Fin Tech Peer-to-peer(P2P) lending has two blades for the borrower's perspective, one side as a solution, on the other hand had a risc. This quantitative research used data with research instruments by questionnaires. Data were analyzed from 62 respondents who lived in around Surakarta in Central Java. This study found that potential customers prefer to use this service rather than not using it, when they perceive that P2P lending is a good opportunity to provide financial needs. More important information needs to be conveyed that the decision to delay using these services has a greater tendency to keep using them in the future. These results provide practical implications that doubts about using Fin Tech-based P2P lending financing services are still high even though prospective customers had good perception about the service as an opportunity from the perspective of the prospective customer. Interesting results also showed that the choice remains consistent even though prospective respondents consider the risk of P2P lending.Keyword: Fin Tech Peer to Peer lending, lender, borrower, apportunity, risk
Co-Authors Indriyana Widyastuti Kristina Sisilia Nugrahaningsih, Putri Saptani Rahayu Setyaningsih, Titik Vitri Widyaningsih Widianto, Tri Yenni Khristiana