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All Journal SULTANIST: Jurnal Manajemen dan Keuangan Bantenese Jurnal Pengabdian Masyarakat Dinasti International Journal of Education Management and Social Science Jurnal Ilmiah Research and Development Student Nomico JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI JER
Dian Widyantini
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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The Impact of Fintech Peer-to-Peer Lending Investments on Public Financial Inclusion Alfiana, Alfiana; Mulatsih, Listiana Sri; Widyantini, Dian; Meutianingrum, Farah Juniati; Afrizal, Afrizal
Jurnal Economic Resource Vol. 8 No. 2 (2025): September - February
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v8i2.1638

Abstract

The purpose of this study is to determine the impact of peer-to-peer lending fintech investments on public financial inclusion. This research approach collected data through a literature review, which involved reading literature from various sources, including books, reports, articles, and journals, employing both qualitative and deductive methods. The findings of this study suggest that peer-to-peer lending fintech investments have a positive impact on financial inclusion, including increased economic activity, enhanced financial literacy, and expanded investment opportunities. However, this system still faces various challenges, including the risk of default, data security concerns, a lack of education, and immature regulations. To overcome these challenges and strengthen its positive impact, collaboration between the government and platform providers is necessary to enhance rules, financial education, and digital literacy, as well as develop sharia-compliant and socially responsible products, so that peer-to-peer lending can become an integral part of an inclusive and sustainable financial system.
Co-Authors - Afrizal Alfiana Alfiana Boer, Adlinsyah Farah Juniati Meutianingrum Ilyas Ilyas LISTIANA SRI MULATSIH Mangatas L, Maha Martabar Musran Munizu Nurwenda, Mirna Siti Aisyah Soekanda, Ellya Victor Pattiasina