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

ISYARA, RANIA OCTA and Susetyo, Didik and Igamo, Alghifari Mahdi (2023) SUBSTITUSI ATAU KOMPLEMENTER: PENGARUH PEER TO PEER LENDING TERHADAP KREDIT BANK UMUM DAN KREDIT BANK PERKREDITAN RAKYAT INDONESIA. Undergraduate thesis, Sriwijaya University.

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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.

Item Type:	Thesis (Undergraduate)
Uncontrolled Keywords:	Peer to Peer Lending; Kredit Bank Umum; Kredit BPR; Subtitusi; Komplementer
Subjects:	H Social Sciences > HG Finance > HG1641-1643 Bank loans. Bank credit. Commercial loans H Social Sciences > HG Finance > HG3691-3769 Credit. Debt. Loans Including credit institutions, credit instruments, consumer credit, bank- ruptcy
Divisions:	01-Faculty of Economics > 60201-Development Economics (S1)
Depositing User:	Rania Octa Isyara
Date Deposited:	09 May 2023 04:12
Last Modified:	09 May 2023 04:12
URI:	http://repository.unsri.ac.id/id/eprint/100776

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