Pengaruh Financial Technology Peer to Peer Lending dan Uang Elektronik (E-Money) terhadap Pertumbuhan Ekonomi di Indonesia (Tahun 2021-2023)
Keywords:
Fintech, Peer to Peer Lending, Electronic Money, Economic GrowthAbstract
Rapid technological developments in the last few decades have had a major impact on the financial services industry. On the other hand, technological developments have given rise to new innovations such as peer to peer lending and digital payments. These two types of fintech are currently popular financial services. The existence of these two types helps people in the Covid-19 conditions because relying on technology, all transaction activities can be carried out. This research aims to determine the influence of fintech peer to peer lending and digital electronic money payments simultaneously on economic growth in Indonesia and to determine the influence of fintech peer to peer lending and digital electronic money payments partially on economic growth in Indonesia. The data used in this research is secondary data for 2021-2023. The analysis used is multiple linear regression analysis. The analytical tool used to carry out the analysis is stata 17. The results of the research show that the fintech peer to peer lending variable has a positive and significant effect on Economic Growth in Indonesia, the electronic money (E-Money) variable has a positive and significant effect on Economic Growth in Indonesia, and Simultaneously, the variables of fintech peer to peer lending and digital electronic money payments influence economic growth in Indonesia.
References
Adhinegara, B. Y., Huda, N., & Al Farras, I. (2018). Peran Fintech Lending Dalam Ekonomi Indonesia. Indef Monthly Policy Brief Edisi Riset Ekonomi Digital, 2(2), 1–4. http://indef.or.id/wp- content/uploads/2018/03/IMPACT-Volume-1-Issue-2-Maret-2018-E-Commerce-1.pdf
Fisabilillah, L. W. P., & Hanifa, N. (2021). Analisis pengaruh fintech lending terhadap perekonomian Indonesia. Indonesian Journal of Economics, Entrepreneurship, and Innovation, 1(3), 154-159.
Talahaturusun, J. A., Kohardinata, C., & Widianingsih, L. P. (2023). Pengaruh Pinjaman P2P Terhadap PDB Indonesia Pasca Pandemi Covid-19.
Maulana, Y., & Wiharno, H. (2022). Fintech P2P lending dan pengaruhnya terhadap pertumbuhan ekonomi Indonesia. Indonesian Journal of Strategic Management, 5(1).
Rahma, T. I. F. (2018). Persepsi Masyarakat Kota Medan Terhadap Penggunaan Financial Technology. At- tawassuth: jurnal ekonomi islam, 3(1), 184-203.
Pailaha, E. P., Rotinsulu, T. O., & Mandeij, D. (2023). Pengaruh Fintech Peer to Peer Lending dan Pembayaran Digital Uang Elektronik Terhadap Pertumbuhan Ekonomi di Indonesia. Jurnal Berkala Ilmiah Efisiensi, 23(7), 181-192.
Syafril. (2020). Bank & Lembaga Keuangan Modern Lainnya. KENCANA. Nurjaya, H. (2022). Digital Enterpreneurship. Cipta Media Nusantara.
Suryokumoro H dan Ula H. (2020). Koperasi Indonesia Dalam Era MEA dan Ekonomi Digital. Universitas Brawijaya Press.
Pramaisshella C. A dan Fisabililah L.W.P. (2022). INDEPENDENT : Journal Of Economics E-ISSN : 2798- 5008. 2, 143–154.
Wahyono, K. S., Sihombing, P. R., & Muchtar, M. (2022). Pinjaman Fintech: Pengaruh Pada Perekonomian Dan Inklusi Keuangan Daerah Di Indonesia. Jurnalku, 2(4), 502-512.
Benuf, K. (2020). Urgensi kebijakan perlindungan hukum terhadap konsumen fintech peer to peer lending akibat penyebaran COVID-19. Jurnal Rechts Vinding: Media Pembinaan Hukum Nasional, 9(2), 203.
Bank Indonesia. (2018). Peraturan Bank Indonesia Nomor 20/6/PBI/2018 tentang Uang Elektronik.
Febriaty H. (2019). Pengaruh Sistem Pembayaran Non Tunai Dalam Era Digital Terhadap Tingkat Pertumbuhan Ekonomi Indonesia. Festival Riset Ilmiah Manajemen & Akuntansi, 306–313.
Otoritas Jasa keuangan. (n.d.). Fintech. https://ojk.go.id/id/kanal/iknb/data-dan- statistik/direktori/fintech/Documents/FAQ Fintech Lending.pdf
Downloads
Published
How to Cite
Issue
Section
Abstract Views: 14
| 
File Downloads: 43
