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All Journal Journal of Indonesian Applied Economics Contemporary Studies in Economic, Finance and Banking (CSEFB)
Kristwanda, Princess Natalie Budi
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Economics, Econometrics & Finance Social Sciences

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ANALISIS PENGARUH PEER-TO-PEER LENDING TERHADAP KINERJA KELOMPOK BANK DENGAN MODAL INDIKATOR KESEHATAN EMPAT (KBMI 4) Kristwanda, Princess Natalie Budi; Satria, Dias
Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2024.03.3.05

Abstract

Over the years, the world of technology and innovation has evolved. One of them is the financial sector, namely financial technology (fintech). This study aims to determine how the presence of peer-to-peer lending in Indonesia can have an impact on banking performance in Indonesia, proxied by return on assets (ROA) because it is indicated that fintech cuts the market segmentation of banks. The variables used are the number of companies, the number of lenders, the number of borrowers, and the number of loans whose data is taken from the Financial Services Authority. This type of research is quantitative research using the Error Correction Model (ECM) method approach. The result of this research is that the presence of peer-to-peer lending will synergize with KBMI 4 Bank and produce a mutually beneficial relationship.
FINTECH LENDING PENETRATION AND BANK PERFORMANCE: EVIDENCE FROM KBMI 4 USING ECM Kristwanda, Princess Natalie Budi; Syafitri, Wildan; Hascaryani, Tyas Danarti
Journal of Indonesian Applied Economics Vol. 14 No. 1 (2026): February - June 2026
Publisher : Department of Economics, Faculty of Economics and Business, Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Purpose This study aims to analyze the influence of fintech lending indicators on the financial performance of KBMI 4 banks in Indonesia, with a focus on two key metrics: Return on Assets (ROA) and Loan to Deposit Ratio (LDR). The research explores the involvement of banks in the fintech ecosystem, particularly through digital lending, as a response to the evolving dynamics of the digital financial industry. Design/methodology/approach The study employs the Error Correction Model (ECM) method based on monthly time-series data from 2020 to 2024. The analyzed indicators include the number of fintech lending companies, the number of lenders, the number of borrowers, loan values, and the non-performing loan (NPL) ratio. Findings The findings indicate that the number of fintech lending companies and the number of lenders have a positive and significant effect on both ROA and LDR, reflecting the potential synergy between banks and fintech firms in enhancing profitability and financial intermediation. Conversely, the number of borrowers and the NPL ratio show a negative impact on the banks' financial performance, suggesting potential risks that need to be addressed within the digital credit ecosystem. Research limitations/implications This study is limited to KBMI 4 banks and a specific data period. Future research is recommended to expand the scope to other types of banks and incorporate additional external variables. Originality/value This study provides an initial contribution to the understanding of the impact of digital lending on bank performance in Indonesia, particularly in the context of ongoing digital transformation.
Co-Authors Dias Satria Tyas Danarti Hascaryani Wildan Syafitri