SUBSTITUSI ATAU KOMPLEMENTER: PENGARUH PEER TO PEER LENDING TERHADAP KREDIT BANK UMUM DAN KREDIT BANK PERKREDITAN RAKYAT INDONESIA
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Institusion

Universitas Sriwijaya

Author

ISYARA, RANIA OCTA
Susetyo, Didik
Igamo, Alghifari Mahdi

Subject

HG1641-1643 Bank loans. Bank credit. Commercial loans 

Datestamp

2023-05-09 04:12:09 

Abstract :
The emergence of peer to peer lending as a loan-based financial service platform that operates online raises concerns about the sustainability of banks, especially commercial banks and rural banks that have dominated the credit market. . This research aims to analyze the effect of peer to peer lending on commercial bank credit and rural bank credit in Indonesia, whether the relationship formed is substituted or complementary. The method used in this study is panel data regression estimation, and the data used are monthly data per province in Indonesia for the period of January 2020 to September 2022. The results showed that peer to peer lending is complementary to commercial bank credit and rural bank credit in Indonesia, this relationship can be formed for several reasons, such as for the case of commercial banks because they serve different consumer segments and for commercial banks peer to peer lending is not a threat. As for rural banks, the complementary relationship is the result of the partnership established by AFPI and PERBARINDO. 

File :
RAMA_60201_01021281823054.pdf
RAMA_60201_01021281823054_Turnitin.pdf
RAMA_60201_01021281823054_0010076003_0023069401_01_front_ref.pdf
RAMA_60201_01021281823054_0010076003_0023069401_02.pdf
RAMA_60201_01021281823054_0010076003_0023069401_03.pdf
RAMA_60201_01021281823054_0010076003_0023069401_04.pdf
RAMA_60201_01021281823054_0010076003_0023069401_05.pdf
RAMA_60201_01021281823054_0010076003_0023069401_06_ref.pdf
RAMA_60201_01021281823054_0010076003_0023069401_07_lamp.pdf