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All Journal Escalate : Economics and Business Journal
Rika Lidyah
Raden Fatah State Islamic University Palembang
Economics, Econometrics & Finance

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E-Commerce Business Analysis: Challenges and Strategies to Improve Business Performance Muhammad Irhan Arya Fathasyah; Rika Lidyah
Escalate : Economics and Business Journal Vol. 1 No. 03 (2024): Escalate: Economics and Business Journal
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/escalate.v1i03.380

Abstract

The development of information technology is driving the growth of e-commerce as a vital part of the digital economy, offering opportunities for market expansion and increased business efficiency. However, e-commerce businesses also face various challenges that impact their performance and sustainability. This study aims to analyze the main challenges of e-commerce and strategies that can be implemented to improve business performance. The study uses a conceptual approach with qualitative methods through a literature review of national and international scientific literature. The results of the study indicate that the main challenges of e-commerce include high market competition, changes in consumer behavior, limited human resources, and technological and data security issues. Therefore, adaptive strategies such as digital marketing, improving service quality, product innovation, and optimal utilization of information technology are needed.
The Impact of Peer-to-Peer Lending on Conventional Commercial Bank Credit in South Sumatra (2024–2025) Elen Karlina; Rika Lidyah
Escalate : Economics and Business Journal Vol. 1 No. 03 (2024): Escalate: Economics and Business Journal
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/escalate.v1i03.381

Abstract

This study aims to analyze the influence of Peer-to-Peer (P2P) lending on conventional commercial bank credit distribution in South Sumatra Province during the 2024–2025 period. The research problem focuses on the shift in public financing preferences from conventional banking to the rapidly growing P2P lending fintech platform. The research method used is a quantitative approach utilizing secondary data sourced from the Financial Services Authority (OJK) report. Data analysis was conducted using panel data regression with a Fixed Effect model. The dependent variable in this study is conventional commercial bank credit, while the independent variable is outstanding P2P lending, with control variables in the form of third-party funds and the number of bank offices. The results show that P2P lending has a significant effect on conventional commercial bank credit, especially in the MSME credit segment. This finding indicates a tendency for a substitution effect in certain segments, although conventional banking still dominates overall credit distribution. This study concludes that the growth of P2P lending requires conventional banks to adapt through digital innovation and collaboration to maintain the competitiveness and stability of the regional financial system.
Co-Authors Elen Karlina Muhammad Irhan Arya Fathasyah