ANALISIS FAKTOR INTERNAL YANG MEMPENGARUHI PENDAPATAN PEER TO PEER LENDING(STUDI KASUS PADA PT.PASAR DANA PINJAMAN TAHUN 2018-2019)

  • Nurlis Azhar Institut Teknologi dan Bisnis Ahmad Dahlan Jakarta
  • Aldi Novrian Pambudi Institut Teknologi dan Bisnis Ahmad Dahlan Jakarta
  • Helmi Helmi Institut Teknologi dan Bisnis Ahmad Dahlan Jakarta
  • Nurwati Nurwati Institut Teknologi dan Bisnis Ahmad Dahlan Jakarta

Abstract

Peer-to-peer (P2P) lending has emerged as an innovative form of financing that provides individuals and businesses with access to much-needed funding. However, this online crowdfunding platform also carries inherent risks. This research aims to investigate the internal factors that impact P2P lending revenue, focusing on Non-Performance Loans, Fintech Adoption, Fintech Efficiency, Return on Assets (ROA), and Loan to Value (LTV) ratio. Utilizing a quantitative research methodology and data from reliable sources, this study employs statistical analysis using SPSS. The results of the T-test indicate that Non-Performance Loans and Return on Assets significantly influence Peer-to-Peer lending revenue. In contrast, Fintech Adoption, Fintech Efficiency, and Loan to Value Ratio do not have a significant impact on P2P lending revenue individually. Furthermore, the F-test demonstrates that when considered together, Non-Performance Loans, Fintech Adoption, Fintech Efficiency, Return on Assets, and Loan to Value Ratio collectively exert a significant influence on the revenue of PT. Pasar Dana Pinjaman, a company operating in the P2P lending and Fintech lending business

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Published
2023-11-15
How to Cite
AZHAR, Nurlis et al. ANALISIS FAKTOR INTERNAL YANG MEMPENGARUHI PENDAPATAN PEER TO PEER LENDING(STUDI KASUS PADA PT.PASAR DANA PINJAMAN TAHUN 2018-2019). JISAMAR (Journal of Information System, Applied, Management, Accounting and Research), [S.l.], v. 7, n. 4, p. 1051-1058, nov. 2023. ISSN 2598-8719. Available at: <https://journal.stmikjayakarta.ac.id/index.php/jisamar/article/view/1268>. Date accessed: 25 may 2024. doi: https://doi.org/10.52362/jisamar.v7i4.1268.