Dampak Fintech P2P Lending Terhadap Pembiayaan Bank Umum Di Indonesia
DOI:
https://doi.org/10.37385/msej.v6i4.8092Abstract
Penelitian ini bertujuan untuk menguji dampak Fintech Peer to Peer (P2P) Lending terhadap Pembiayaan Bank Umum di Indonesia. Penelitian ini menggunakan analisis regresi linier sederhana menggunakan data sekunder dengan sampel 5 tahun data statistik fintech P2P lending terkait penyaluran pinjaman P2P lending dan statistik perbankan indonesia terkait total pembiayaan yang disalurkan oleh bank umum di Indonesia, baik konvensional maupun syariah selama periode tahun 2019 sampai dengan tahun 2023. Hasil penelitian menunjukkan bahwa Fintech P2P lending berpengaruh positif dan signifikan terhadap Pembiayaan Bank Umum di Indonesia. Hasil penelitian ini membuktikan bahwa Fintech P2P Lending bukan sebagai ancaman, tetapi sebagai pelengkap (komplementer) Bank Umum di Indonesia yang diwujudkan dengan kolaborasi antara Fintech P2P Lending dan Bank Umum di Indonesia.
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