Article Sidebar

Download
PDF
Statistic
Read Counter : 42 Download : 16

Main Article Content

Abstract

The purpose of this study is to determine the impact of peer-to-peer lending fintech investments on public financial inclusion. This research approach collected data through a literature review, which involved reading literature from various sources, including books, reports, articles, and journals, employing both qualitative and deductive methods. The findings of this study suggest that peer-to-peer lending fintech investments have a positive impact on financial inclusion, including increased economic activity, enhanced financial literacy, and expanded investment opportunities. However, this system still faces various challenges, including the risk of default, data security concerns, a lack of education, and immature regulations. To overcome these challenges and strengthen its positive impact, collaboration between the government and platform providers is necessary to enhance rules, financial education, and digital literacy, as well as develop sharia-compliant and socially responsible products, so that peer-to-peer lending can become an integral part of an inclusive and sustainable financial system.

Keywords

Fintech Peer-to-Peer Lending Financial Inclusion

Article Details

References

  1. Aditya, N. B., & Rita, M. R. (2024). Inklusi Keuangan, P2P Lending dan Kinerja UMKM: Peran Moderasi Literasi Keuangan. Ekonomis: Journal of Economics and Business, 8(1), 583. https://doi.org/10.33087/ekonomis.v8i1.1590
  2. Aisah, N., Rizkiawan, I. K., & Sholeha, A. (2024). Atensi masyarakat dalam menggunakan peer to peer lending syariah: Mendorong inklusi keuangan syariah. Journal of Management and Digital Business, 4(1), 54–65. https://doi.org/10.53088/jmdb.v4i1.928
  3. Aswirah, A., Arfah, A., & Alam, S. (2024). Perkembangan Dan Dampak Financial Technology Terhadap Inklusi Keuangan Di Indonesia: Studi Literatur. Jurnal Bisnis Dan Kewirausahaan, 13(2), 180–186. https://doi.org/10.37476/jbk.v13i2.4642
  4. Catur Putriwana Malik, M., Syilva Syara Noor Silmi Sudrajat STAI Al Falah Cicalenga Bandung, A., & Triyatun, N. (2025). Inovasi Pembiayaan Mikro Berbasis Peer-To-Peer Lending Untuk Pemberdayaan Ekonomi Desa. Netizen: Journal of Society and Business, 2(5), 1–8.
  5. Fauzia Ulirrahmi. (2023). Peer to Peer Lending Syari’ah. Al-Hiwalah : Journal Syariah Economic Law, 2(1), 18–36. https://doi.org/10.47766/alhiwalah.v2i1.1471
  6. Hidayah, A. (2022). Membongkar Sisi Gelap Fintech Peer-To-Peer Lending (Pinjaman Online) Pada Mahasiswa Di Yogyakarta. Journal of Humanity Studies, 1(1), 1–17. https://doi.org/10.22202/jhs.2022.v1i1.6189
  7. I Gusti Ayu Agung Pradnya Dewi. (2018). Intensi Masyarakat Berinvestasi Pada Peer To Peer Lending: Analisis Theory of Planned Behavior. Jurnal Ilmiah Akuntansi Dan Bisnis, 3(2), 121. https://doi.org/https://doi.org/10.38043/jiab.v3i2.2113
  8. Kusuma, M., Narulitasari, D., & Nurohman, Y. A. (2022). Inklusi Keuangan Dan Literasi Keuangan Terhadap Kinerja Dan Keberlanjutan Umkm Disolo Raya. Among Makarti, 14(2), 62–76. https://doi.org/10.52353/ama.v14i2.210
  9. Marginingsih, R. (2021). Financial Technology (Fintech) Dalam Inklusi Keuangan Nasional di Masa Pandemi Covid-19. Moneter - Jurnal Akuntansi Dan Keuangan, 8(1), 56–64. https://doi.org/10.31294/moneter.v8i1.9903
  10. Mega Lestari, N. P. (2019). Pemahaman Generasi Milenial Berinvestasi di Peer to Peer Lending. Jurnal Manajemen Bisnis, 16(3), 17. https://doi.org/10.38043/jmb.v16i3.2229
  11. Rahadiyan, I., & Sari, A. R. (2019). Peluang Dan Tantangan Implementasi Fintech Peer To Peer Lending Sebagai Salah Satu Upaya Peningkatan Kesejahteraan Masyarakat Indonesia. Defendonesia, 4(1), 18–28. https://doi.org/10.54755/defendonesia.v4i1.79
  12. Rahmah, S. A., & Nurhayati, C. (2024). Analisis Hambatan-Hambatan Inklusi Keuangan Terhadap Petani Rempah Di Sumenep. PERFORMANCE: Jurnal Bisnis & Akuntansi, 14(1), 414–429. https://doi.org/10.24929/feb.v14i1.2996
  13. Sari, A. A., Hidayati, A. N., Nasution, S. W. P., Martanto, M., Limba, F. B., & Sa’diah, K. (2023). Negative Impact of Financial Technology : A Case Study of Illegal Peer to Peer ( P2P ) Lending " Pinjol ". The Third International Conference on Innovation in Social Sciences Education and Engineering, July 1–7.
  14. Septiani, S., Lalita, S. F., & Zahra, D. R. (2024). Pengaruh Financial Technology Peer to Peer Lending dan Uang Elektronik (E-Money) terhadap Pertumbuhan Ekonomi di Indonesia (Tahun 2021-2023). Jurnal Keuangan Dan Perbankan, 21(1), 69–78. https://doi.org/10.35384/jkp.v21i1.591
  15. Serlika Aprita, S. A. (2021). Peranan Peer to Peer Lending dalam Menyalurkan Pendanaan pada Usaha Kecil dan Menengah. Jurnal Hukum Samudra Keadilan, 16(1), 37–61. https://doi.org/10.33059/jhsk.v16i1.3407
  16. Setyaningsih, T., Murti, N. W., & Nugrahaningsih, P. (2020). Pembiayaan Peer-To-Peer Lending Bagi Umkm : Mengatasi Masalah Dengan Masalah? Jurnal IKRA-ITH Ekonomika, 2(3), 74–81.
  17. Talakua, B. A., & Silaya, M. A. (2023). Pengaruh Peer To Peer Lending Terhadap Kinerja Umkm Kota Ambon. Jurnal Manajemen Dan Profesional, 4(2), 194–203. https://doi.org/10.32815/jpro.v4i2.2054
  18. Wulandari, S. T., & Nasik, K. (2021). Menelisik Perbedaan Mekanisme Sistem Peer to Peer Lending pada Fintech Konvensional dan Fintech Syariah di Indonesia. Nuris Journal of Education and Islamic Studies, 1(2), 66–90. https://doi.org/10.52620/jeis.v1i2.7
  19. Yuliyanti, P., & Pramesti, D. A. (2021). Tercapainya Inklusi Keuangan Mampukah Dengan Literasi Keuangan Dan Financial Technology? Kajian Bisnis Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha, 29(2), 57–70. https://doi.org/10.32477/jkb.v29i2.292