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All Journal Journal of Institution And Sharia Finance
Dewi Kuntary Ibrahim, Isra
Unknown Affiliation
Economics, Econometrics & Finance

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The Impact of Financial Technology (Fintech) Peer-to-Peer Lending Literacy and Inclusion on MSME Financing Decisions in the Mandalika Special Economic Zone Alpian Muhtarom, Zamroni; Andryan Girsang, Zefanya; Najib Roodhi, Mohammad; Dewi Kuntary Ibrahim, Isra; Safitri, Dhanny
Journal of Institution and Sharia Finance Vol. 8 No. 2 (2025): DESEMBER
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v8i2.8319

Abstract

This study aims to analyze the influence of financial literacy and financial inclusion through peer-to-peer (P2P) lending fintech on the financing decisions of Micro, Small, and Medium Enterprises (MSMEs) in the Mandalika Special Economic Zone (SEZ). The research employs a descriptive quantitative method using Partial Least Squares (PLS) with a Structural Equation Modeling (SEM) approach, involving 210 MSME respondents. The findings indicate that both independent variables have a positive and significant effect on financing decisions. However, financial inclusion exerts a more dominant influence than financial literacy, as reflected in its higher t-statistics and path coefficients. These results suggest that ease of access to digital financial services plays a crucial role in strengthening MSME financing decisions. Therefore, enhancing financial literacy and promoting the use of inclusive financial technologies are expected to expand financing access and stimulate local economic growth.
Co-Authors Dhanny Safitri rodhi, mohammad najib Zamroni Alpian Muhtarom Zefanya Andryan Girsang