Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Journal of Economics Research and Social Sciences
Muhammad Ridho Al Amin
School of Finance and Banking, Faculty of Economics and Business, Universitas Muhammadiyah Metro, Lampung
Economics, Econometrics & Finance

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Drivers and Barriers to Use Fintech P2P Lending among MSMEs in Metro City, Lampung Muhammad Anif Afandi; Muhammad Ridho Al Amin
Journal of Economics Research and Social Sciences Vol 7, No 2: August 2023
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jerss.v7i2.18540

Abstract

This study aims to analyse the driver and barrier factors of MSMEs intention to apply for loan at Fintech P2P Lending in Metro City, Lampung. The driver factors consisting of economic benefit, seamless transaction, and convenience as well as the barrier factors consisting of legal risk, security risk, service products, reputation, and inertia are associated with MSME intentions to apply for loan at Fintech P2P Lending using data analysis techniques in the form of Ordinary Least Square. The results of the study show that the driver factors consisting of economic benefit dan seamless transaction variables have positive and significant effect on the intention of MSMEs to apply for loan at Fintech P2P Lending. Meanwhile, the convenience variable has positive but not significant effect on the MSMEs intention to apply for loan at Fintech P2P Lending. In addition, the barrier factors which consist of the variables of security risk, service products, and reputation have positive and significant effect on the intention of MSMEs to apply for loan at Fintech P2P Lending. Meanwhile, legal risk and inertia variables have negative but significant and not significant effect respectively on the MSMEs intention to apply for loan at Fintech P2P Lending. The results of this study are useful for the Fintech P2P lending industry as an evaluation material regarding the driving and inhibiting factors to apply for loan at Fintech P2P lending as a basis for determining Fintech P2P lending business strategies.
Co-Authors Muhammad Anif Afandi