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All Journal Jurnal Akuntansi Manajerial (Managerial Accounting Journal)
Santosa, Safira Zakkiyah Dwi
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Economics, Econometrics & Finance Education

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Fintech Peer-To-Peer (P2P) Lending: Explanation For The Issues In Indonesia Permatasari, Sheila Silvia; Julito, Kiko Armenita; Santosa, Safira Zakkiyah Dwi
Jurnal Akuntansi Manajerial Vol 10, No 2 (2025)
Publisher : Universitas 17 Agustus 1945 Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52447/jam.v10i2.9078

Abstract

Financial technology (fintech) in Indonesia is developing rapidly. This is demonstrated by the acceleration of digital development and transformation in this country. The interaction between society and financial services has evolved very quickly over the last few years. On October 9, 2023, there were 101 companies as the total of Fintech peer-to-peer lending companies which listed at Otoritas Jasa Keuangan (OJK) or Financial Service Authority. However, from 2018 to 2023, OJK was recorded as having blocked 6,680 illegal fintech lending companies. The illegal Fintech lending companies have many risks. This research will observe several fintech lending problems in Indonesia along with the explanations of why these things occur. A qualitative approach will be used as a method in this research with NVIVO 14 software as a tool for analyzing data. The results of this study have provided an explanation of several problems that occur in Indonesia regarding FinTech P2P lending. Several of these problems are outlined into five points including: unclear admin fees; illegal access obtained from borrowers; threats, slander, fraud, sexual harassment; data misuse, high interest rates without limits.
Co-Authors Kiko Armenita Julito Permatasari, Sheila Silvia