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All Journal El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Putti Tara Aliffia
Program Studi Ekonomi Keuangan dan Perbankan, Universitas Brawijaya, Indonesia
Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Pengaruh Perkembangan Peer-to-Peer Lending terhadap Penyaluran Kredit Bank KBMI 1 di Indonesia Putti Tara Aliffia; Tyas Danarti Hascaryani
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 8 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i8.13081

Abstract

The rapid growth of peer-to-peer (P2P) lending in Indonesia raises questions about its impact on banking intermediation, particularly in Bank KBMI 1. This study analyzes the effect of P2P lending growth on Bank KBMI 1 credit growth using monthly data from October 2021 to June 2025 and the Autoregressive Distributed Lag (ARDL) method. The results indicate that P2P lending outstanding and the number of borrowers have no significant long-run effect on credit growth, although they are associated with short-run financing dynamics. Meanwhile, third-party funds and inflation positively and significantly affect credit growth, whereas the BI7DRR has no significant effect. These findings suggest that P2P lending has not replaced the intermediation role of Bank KBMI 1 but instead tends to develop alongside the banking sector in meeting financing needs.
Pengaruh Perkembangan Peer-to-Peer Lending terhadap Penyaluran Kredit Bank KBMI 1 di Indonesia Putti Tara Aliffia; Tyas Danarti Hascaryani
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 8 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i8.13081

Abstract

The rapid growth of peer-to-peer (P2P) lending in Indonesia raises questions about its impact on banking intermediation, particularly in Bank KBMI 1. This study analyzes the effect of P2P lending growth on Bank KBMI 1 credit growth using monthly data from October 2021 to June 2025 and the Autoregressive Distributed Lag (ARDL) method. The results indicate that P2P lending outstanding and the number of borrowers have no significant long-run effect on credit growth, although they are associated with short-run financing dynamics. Meanwhile, third-party funds and inflation positively and significantly affect credit growth, whereas the BI7DRR has no significant effect. These findings suggest that P2P lending has not replaced the intermediation role of Bank KBMI 1 but instead tends to develop alongside the banking sector in meeting financing needs.
Co-Authors Tyas Danarti Hascaryani