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All Journal Jesya (Jurnal Ekonomi dan Ekonomi Syariah) MABIS: Manajemen dan Bisnis
Angel, Frenita Claudia
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The mediation role of peer-to-peer lending: the impact of inclusion and self-efficacy on MSMEs financial performance Safrianti, Sintia; Lakoni, Idham; Yulianasari, Nina; Angel, Frenita Claudia; Perdiansyah, Perdiansyah; Ismiyanti, Fitri
Manajemen dan Bisnis Vol 25, No 1 (2026): March 2026
Publisher : Department of Management - Faculty of Business and Economics. Universitas Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24123/mabis.v25i1.1027

Abstract

This study aims to examine the role of peer to peer lending (P2P) in mediating the influence of financial self-efficacy, financial literacy, and financial inclusion on the financial performance of MSMEs in Bengkulu City. A study design that was quantitative and explanatory was applied using a survey method involving 108 MSMEs selected through probability sampling across nine districts. Data were collected using questionnaires and analyzed using PLS-SEM with SmartPLS 4.1. The results indicate that financial inclusion and financial self efficacy have a major impact on the adoption of peer to peer lending, while financial literacy does not. Furthermore, peer to peer lending significantly improves financial performance and mediates the effect of financial self efficacy and financial inclusion on performance. Although financial self efficacy, financial literacy, and financial inclusion do not statistically significantly correlate with financial performance. This study is original in integrating behavioral finance constructs with digital peer to peer lending adoption using the Theory of Planned Behavior, contributing empirical evidence to the growing literature on MSME financial performance in underdeveloped regions.
Menilai Kembali Determinan Kinerja Bank Digital: Apakah Fintech Masih Lebih Dominan daripada Efisiensi dan Likuiditas di Indonesia Pasca Pandemi? Yansi, Melvi; Angel, Frenita Claudia; Triyadi, Juanda
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 9 No 1 (2026): Artikel Riset Januari 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v9i1.2546

Abstract

Perkembangan bank digital pasca pandemi menimbulkan pertanyaan mengenai faktor utama yang menentukan kinerja keuangan perbankan digital. Literatur sebelumnya cenderung memosisikan adopsi teknologi, efisiensi operasional, dan likuiditas sebagai determinan yang sama pentingnya, namun bukti empiris terkini masih terbatas. Penelitian ini bertujuan untuk menilai kembali determinan kinerja keuangan bank digital di Indonesia selama periode 2022–2024. Dengan menggunakan regresi data panel terhadap sepuluh bank digital dan pemilihan model melalui uji Chow, Hausman, dan Lagrange Multiplier, penelitian ini menemukan bahwa fintech adoption berpengaruh positif dan signifikan terhadap kinerja keuangan, sementara efisiensi operasional dan likuiditas tidak berpengaruh signifikan secara parsial. Temuan ini menunjukkan bahwa pada fase pasca pandemi, kapabilitas teknologi finansial menjadi determinan dominan kinerja bank digital, sedangkan faktor perbankan tradisional berperan sebagai pendukung. Hasil penelitian ini memberikan implikasi teoretis dan praktis bagi pengembangan strategi bank digital yang berkelanjutan.
Co-Authors Fitri Ismiyanti, Fitri Idham Lakoni Perdiansyah, Perdiansyah Sintia Safrianti Triyadi, Juanda Yansi, Melvi Yulianasari, Nina