ANALISIS PENGARUH PENGGUNAAN FINTECH PEER TO PEER LENDING TERHADAP INKLUSI KEUANGAN UMKM DI KOTA MATARAM: Analysis Of The Influence Of The Use Of Fintech Peer To Peer Lending On Financial Inclusion Of MSMEs In Mataram City

Trisdian Fahmi (Sekolah Tinggi Ilmu Ekonomi AMM Mataram)
Indah Ariffianti (Sekolah Tinggi Ilmu Ekonomi AMM Mataram)
Erviva Fariantin (Sekolah Tinggi Ilmu Ekonomi AMM Mataram)
Elvina Setiawati (Sekolah Tinggi Ilmu Ekonomi AMM Mataram)

Ganec Swara
Vol. 19 No. 4 (2025): Desember 2025

This study aims to examine the effect of using fintech peer-to-peer lending on financial inclusion among Micro, Small, and Medium Enterprises (MSMEs) in Mataram City. The approach employed is a quantitative method using simple linear regression analysis. Data were collected through questionnaires distributed to 385 MSME actors in Mataram City who have utilized fintech peer-to-peer lending services as an alternative source of business financing. The results indicate that the use of fintech peer-to-peer lending has a positive and significant impact on improving MSMEs’ financial inclusion, as reflected in easier access to financing, enhanced financial literacy, and greater participation of MSMEs in the formal financial system. Thus, the utilization of fintech peer-to-peer lending can serve as an effective strategy to foster the growth and sustainability of MSMEs in Mataram City.