Article Per Year (5 Year)
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This Author published in this journals
All Journal Journal of Islamic Accounting and Finance Research
Fatimah Ath Thahirah
Faculty of Economics and Business, Universitas Indonesia
Religion Economics, Econometrics & Finance

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Does fintech threaten Islamic banking performance in Indonesia? Fatimah Ath Thahirah; Rahmatina Awaliah Kasri
Journal of Islamic Accounting and Finance Research Vol 5, No 1 (2023)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiafr.2023.5.1.13745

Abstract

Purpose - This study aims to examine the impact of P2P Lending on both conventional and Islamic banking performance in Indonesia.Method - It uses a panel data regression method with a random effect model, with a sample of 63 conventional banks and 12 Islamic banks in Indonesia during the 2016-2020 period. The dependent variable is ROA, while the independent variable is the number of P2P Lending companies.Result - The study found that Fintech P2P Lending does not affect the conventional banks’ performance and has a minimal effect on the aggregate banks' performance in Indonesia. However, interestingly, Fintech has a significant positive impact on the Indonesian Islamic banks’ performance. The result is consistent when GMM is used in the robustness model.Implication - The findings indicate the importance of supporting the development of Fintech, especially Sharia P2P Lending, and collaboration between Fintech and banks to optimize the performance of Indonesia’s financial sector.Originality - This research is amongst a few studies that examine the relationship between Fintech and banking performance, particularly Islamic banking performance in Indonesia.
Co-Authors Rahmatina Awaliah Kasri