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All Journal JBMP (Jurnal Bisnis, Manajemen dan Perbankan)
Ahyani, Syafira
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Peer-to-Peer Lending's Influence on Bank Performance: Core Capital Perspectives : Pengaruh Pinjaman Antar Rekan terhadap Kinerja Bank: Perspektif Modal Inti Nisa, Chaerani; Permata, Irma Sari; Mulyadi; Ahyani, Syafira
JBMP (Jurnal Bisnis, Manajemen dan Perbankan) Vol. 11 No. 1 (2025): April: JBMP Volume 11 No. 1 2025
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/jbmp.v11i1.1963

Abstract

The study intends to evaluate the influence of peer-to-peer lending (P2P lending) on banks performance, focusing on differences in core capital classifications. Using data from the Financial Service Authority and Bank Indonesia websites, the analysis spans the fourth quarter of 2021 to the third quarter of 2023. The results reveal that P2P lending negatively affects bank performance, with more significant adverse impacts observed in banks with lower core capital, categorized under KBMI 1 and 2, compared to KBMI 3 and 4. These findings underscore the need for regulatory policies tailored to address the vulnerabilities of smaller banks, including measures to promote consolidation and capital augmentation. This study offers valuable insights into the interplay between financial technology and banking regulations, providing practical implications for policymakers and stakeholders.
Co-Authors Chaerani Nisa, Chaerani MULYADI Permata, Irma Sari