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All Journal JDM (Jurnal Dinamika Manajemen) Trikonomika: Jurnal Ekonomi Mimbar Agribisnis: Jurnal Pemikiran Masyarakat Ilmiah Berwawasan Agribisnis Jurnal Bisnis dan Manajemen Ganaya: Jurnal Ilmu Sosial dan Humaniora Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan International Journal of Supply Chain Management Ultima Management : Jurnal Ilmu Manajemen MABIS: Manajemen dan Bisnis Jurnal MEBIS (Manajemen dan Bisnis) International Journal of Economics Development Research (IJEDR) Ilomata International Journal of Management International Journal of Demos Jurnal Darma Agung Ilomata International Journal of Management Glosains: Jurnal Sains Global Indonesia Jurnal Ekonomi dan Perbankan Syariah Wiga : Jurnal Penelitian Ilmu Ekonomi Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) IIJSE Neraca Manajemen, Akuntansi, dan Ekonomi
Sulaeman Rahman Nidar
FEB Universitas Padjadjaran
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Journal : JDM (Jurnal Dinamika Manajemen)

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Lending Rationale of Financial Institution and Fintech on the Perception of Borrowers: A Qualitative Study Anwar, Mokhamad; Nidar, Sulaeman Rahman; Widianto, Sunu; Layyinaturrobaniyah, Layyinaturrobaniyah
JDM (Jurnal Dinamika Manajemen) Vol 12, No 2 (2021): September 2021
Publisher : Department of Management, Faculty of Economics and Business, Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jdm.v12i2.31896

Abstract

The development of Financial Institutions including Financial Technology (Fintech) in providing loans to borrowers is increasingly important in the current business financing system. This study aims to determine the perceptions of borrowers by exploring their views on lending practices pro- vided by financial institutions and fintech and identifying the factors that influence the institution’s decision to provide loans to them. This study uses a qualitative research method by asking a number of questions to debtors in one of the Micro and Small and Medium Enterprises (MSMEs) commu- nities in the city of Bandung, Indonesia. The questionnaire form is in the form of open-ended ques- tions and is distributed to 47 MSMEs in the city with various types of business fields. The results show that the factors that influence the success of borrowers in obtaining credit from both financial institutions and fintech are the factors classified as 5 Cs of credit in terms of Character, Capacity, Capital, Collateral, and Conditions. All these factors are summarized as soft information and hard information, which are applied by financial institutions and financial technology institutions.
Co-Authors Agustin, Sheilla Putri Aldrin Herwany ARMEN ZULHAM As Shiddieq, Muhammad Faqih Asep Mulyana Azharn Nafis Ihsani Badi'ah, Roudlotul Bahri, Reza Fathul budi harsanto Dian Inda Sari Diana Sari Egi Arvian Firmansyah Elnovani Lusiana Erman Sumirat Hilmiana Ira Aprilianti Ira Aprilianti Kaltum, Umi Kartini, Iis Komala Dewi, Rita Kurniawan Saefullah Kurniawan, Meinanda Layyinaturrobaniyah Layyinaturrobaniyah Meinanda Kurniawan Mokhamad Anwar, Mokhamad Noviany, Henny Nurul Azizah Putra, Wira Pramana Ratna Komara Ratna Komara Rizki Agung Ponco Utomo Rully Setiawan Sirrin Tijan Husnal Maisuri, Adilla Sudarso Kaderi Wiryono Sumengkar, Apung Sutisna Sutisna Syafa'at, Iin Aulia Syafira Widianto, Sunu Wiji Astuti Wirdayanti, Yosita Nur Yudi Ahmad Faisal