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All Journal Indonesian Journal of Contemporary Multidisciplinary Research Journal of Economics and Tourism
Hasan, Dina Nurmala
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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Journal : Indonesian Journal of Contemporary Multidisciplinary Research

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Analysis of the Development of Peer-to-Peer Lending in Indonesia and Its Impact on Financial Inclusion: A Literature Review Larasati, Muti; Hasan, Dina Nurmala; Amelia, Fannisya; Gunawan, Ahmad
Indonesian Journal of Contemporary Multidisciplinary Research Vol. 4 No. 1 (2025): January 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/modern.v4i1.13195

Abstract

Advancements in technology have spurred the emergence of digital financial services innovations (fintech) such as peer-to-peer lending, which is rapidly growing in Indonesia, offering easily accessible financing alternatives. The purpose of this article is to analyze the development of peer-to-peer lending in Indonesia and its impact on financial inclusion in society. This research was conducted using a qualitative approach based on literature study. The findings show that peer-to-peer lending plays a role in increasing the reach of financial services for communities that have not yet accessed traditional banks, while also promoting inclusive economic growth. Although it has a significant positive impact, there are challenges or obstacles faced, such as bad loans, data breach threats, and frequently changing regulations. This research provides insights into the importance of regulatory support and financial education to maximize the benefits of peer-to-peer lending in enhancing financial inclusion in Indonesia.
Co-Authors amelia, Fannisya Ayi Nurpadilah, Ayi Nurpadilah Fauziah, Hesti Gunawan, Ahmad Larasati, Muti Octaviani, Lidiyana Tasya Suriyanti