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

Nurlis Azhar; Aldi Novrian Pambudi; Helmi Helmi; Nurwati Nurwati

doi:10.52362/jisamar.v7i4.1268

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

DOI: https://doi.org/10.52362/jisamar.v7i4.1268

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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